Real Estate & Development Finance

If you’re preparing, negotiating or restructuring real estate finance transactions, we help you move with clarity and control.

We act for lenders, investors, borrowers and developers across the real estate market. We bring together the legal, commercial and regulatory angles on each transaction so you can make informed decisions at the right time.

If you’re reviewing funding options or strengthening your security position, we can help you decide the next step and move forward with confidence.  We structure, draft and negotiate secured lending, investment and development facilities, syndicated arrangements and refinancings across residential, commercial, mixed-use and logistics assets. The focus is simple: documentation that protects your position without slowing momentum.

Adept in development finance

Our development finance experience spans:

• Residential development and regeneration - from site assembly to phased delivery.
• Planning and Section 106 agreements - aligning planning obligations with funding requirements.
• Build to Rent, affordable housing, care and leisure - funding structures tailored to long-term operational models.
• Financing and charging - portfolio and single-asset structures, security reviews and enhancements.
• Construction (contentious and non-contentious) - funding arrangements that reflect construction risk and programme.
• Debt recovery, dispute resolution, insolvency and enforcement of security - practical options if a project or counterparty is under stress.

This mix of experience means we help you see how each part of a transaction connects and what that means for timing, risk and delivery.

Working with colleagues in construction, real estate and commercial, we guide you through development funding from site assembly and planning to joint ventures, forward funding and practical delivery.

A recent example includes a £100m+ rolling credit facility where we designed and implemented a bespoke reporting methodology to streamline funding and charging across multiple stakeholders. Adopted by the client, the lender and all panel firms, it now supports the development and acquisition of thousands of affordable homes.

Clients rely on us for calm, practical support on development funding matters. We keep you focused on the decisions that move the transaction forward and flag issues early so they can be managed in good time. When you need clear direction, our development finance lawyers guide you through the detail, and our wider real estate finance team supports you at every stage.

Our Services

We work with lenders, borrowers, developers and housing providers across the full spectrum of real estate finance.  

Our work typically includes:

• Development and investment facilities for residential, commercial, mixed-use and logistics schemes.
• Funding for regeneration, estate renewal and major refurbishment projects.
• Private placements, note issues and other capital markets funding for social housing and real estate-backed borrowers.
• Sustainability-linked and ESG-driven funding, including retrofit and decarbonisation programmes.
• Portfolio and single-asset refinancings, including security reviews and reorganisation of existing debt.
• Charging programmes supported by our specialist property charging team, ensuring efficient due diligence and reporting.

Our team is fluent in Loan Market Association (LMA) recommended forms for acquisition, development and security work, helping transactions move smoothly from heads of terms through to completion.

For social housing providers, our understanding of the regulatory environment helps you structure arrangements that align with governance and compliance requirements.  

Because our banking and property charging teams work as one, you have a single route through the funding and charging process and joined-up advice on structure, documentation, security and delivery.