Kathryn Witton

Senior Associate

Kathryn advises on a wide range of real estate practice areas, including acquisitions and disposals, social housing finance transactions, commercial leasing and borrowing and lending secured against real estate assets.

Kathryn also advises clients on loan portfolio sales and purchases of both secured and unsecured debt.

Kathryn is part of the Property Finance Working Group, made up of representatives from the social housing sector (including lawyers, borrowers and valuers) – this group of professionals in the social housing sector collaborate to provide standardised drafting and processes in relation to social housing finance transactions.


Representative matters

Loan Portfolio Sales and Purchases, Residential Mortgage Back Securitisations and Bank of England’s Discount Window Facility

The arranger and joint lead managers on the circa GBP10bn securitisation of a portfolio of buy-to-let mortgage loans originated by Bradford & Bingley and Mortgage Express on the sale of a portfolio of loans by Bradford & Bingley following a competitive bidding process arranged by United Kingdom Asset Resolution.

The financing banks on the acquisition by Cerberus Capital Management of GBP13bn Northern Rock Mortgage assets from UKFI. The sale comprised of performing and non-performing residential mortgages and unsecured loans from the legacy book of NRAM, the former Northern Rock mortgage business.

A British Retail Bank on the sale of circa GBP 4bn residential mortgage portfolio to a large financial services organisation.

Pro bono

Working with other advisors to provide free legal advice across a range of topics including housing, consumer and debt claims at Toynbee Hall Legal Advice Centre.
Kathryn Witton is my go-to lawyer – knowledgeable, experienced and always delivers. Brilliant person to have on a deal team
Legal 500 UK, 2021



Solicitor, England and Wales, 2013


The College of Law (now The University of Law), Guildford Branch, LPC, 2010 - 2011 

The College of Law (now The University of Law), Guildford Branch, GDL, 2009 - 2010 

BA (Hons), University of Nottingham, 2006 - 2009

A&O Shearman was formed on May 1, 2024 by the combination of Shearman & Sterling LLP and Allen & Overy LLP and their respective affiliates (the legacy firms). Any matters referred to above may include matters undertaken by one or more of the legacy firms rather than A&O Shearman.