Real Estate Finance
Our specialist real estate finance team provide advice to lenders and borrowers on a range of property finance transactions including advising on commercial, residential and mixed use investment; development finance acquisitions and refinances; and large portfolio buy to let loan transactions.
We provide expert advice in structuring transactions, security matters and property advice for a range of sectors including mixed use schemes, offices, residential investments and developments, industrial, retail, charity, education and healthcare.
We work closely with our colleagues in our real estate, corporate, construction, planning and environmental teams to provide comprehensive real estate finance expertise tailored to our clients requirements.
Our approach is characterised by proactivity and meeting our clients deadlines.
We acknowledge the significance of commercial advice and efficient deal completion times. We have refined our processes and organised our teams effectively to ensure that our service is unparalleled. Our dedicated real estate finance team will ensure a seamless transaction while mitigating risks and addressing any specific financial challenges.
Our team understand real estate finance from the perspective of both the lender and the borrower. We will provide advice and guidance on the applicable property law and its relationship with the lending terms and how it can affect the loan performance. We will work with you to explore how solutions can be structured to facilitate the transaction to progress within the desired timeframes.
Our clients include a number of lender clients (including major lenders, challenger banks, private banks and short term lenders), borrowers and developers.
Our expertise
We provide expert support in:
- Drafting, reviewing, and negotiating facility agreements
- Drafting and reviewing security documents
- Refinancing and restructuring transactions
- Property aspects of corporate funding arrangements
- Ownership and funding structures for property transactions
- Construction elements of development financing including advice on collateral warranties and underlying construction documents
- Perfecting security over all real estate assets.
I would have little hesitation in saying it was perhaps the most intricate property transaction I have witnessed. I believe Jessica should be justly proud of having successfully brought all the elements together under continued pressure to the very end.
Our work highlights
We are advising a £20m turnover company with a refinancing of their invoice finance and asset finance facilities. Our work involves reviewing and negotiating the terms of the facilities with the incoming financier’s advisors to ensure that they properly suited our client’s business needs, advising on collateral security requirements such as guarantees, warranties and debentures and liaising with the outgoing financier to help coordinate a seamless transfer of services.
We advised an invoice financier on the process of re-registering bills of sale, at the point of expiry. We worked with the financier (who had inherited many of these facilities following a previous acquisition) to understand their exposure in respect of sole traders and the risks involved in continuing the existing facilities versus entering into new ones.
