From 1st July the Council of Mortgage Lenders is integrated into a new trade association, UK Finance. For the time being, all UKF mortgage information will continue to be published on this website, and UKF member-only mortgage information will only be available here.

UK Finance represents around 300 firms in the UK providing credit, banking, markets and payment-related services. The new organisation takes on most of the activities previously carried out by the Asset Based Finance Association, the British Bankers’ Association, the Council of Mortgage Lenders, Financial Fraud Action UK, Payments UK and the UK Cards Association. Please go to for wider content and updates from UK Finance.

A secured lender's guide to Scotland's debt arrangement scheme

Published: 23 May 2013

We have produced in consultation with Aberdein Considine, Solicitors and in consultation with the Accountant in Bankruptcy a secured lender’s guide to the Debt Arrangement Scheme (DAS) in Scotland. While DAS has been in place in Scotland for almost the last decade its prevalence has increased, particularly over the last 2 years and increasingly mortgage arrears are beginning to form part of DAS. The Guide also contrasts and compares DAS with Debt Relief Orders and Debt Management Plans in England and Wales.