What is property finance and how can solicitors help?

Property finance involves securing funding for the purchase, development, or refinancing of real estate. Our property finance solicitors support both lenders and borrowers by drafting and negotiating loan documentation, managing risk, conducting due diligence, and ensuring that funds are released securely and efficiently.

Do I need a solicitor for a commercial property loan?

Yes. Property finance transactions are complex and require a solicitor to review and draft loan agreements, register security (such as charges), and ensure compliance with Land Registry and Companies House formalities. Legal advice ensures your interests are protected and avoids delays in completion.

How quickly can a property finance deal be completed?

Timelines depend on the complexity of the deal, but speed is often crucial in finance transactions. Our team works proactively to meet tight deadlines, with a focus on responsive communication and efficient coordination between all parties.

Can you act for both lender and borrower in a property finance transaction?

Usually, separate legal representation is required to avoid conflicts of interest. However, in some cases (such as intra-group lending or certain bridging finance arrangements), acting for both parties may be possible with consent and appropriate safeguards.

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Real estate finance

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Our Real Estate Finance team advises both lenders and borrowers on a broad range of property finance transactions. We know that speed and precision are critical in real estate finance, and we work proactively to keep all parties informed and deals progressing smoothly.

With extensive experience in handling complex funding arrangements, development finance, and secured lending, our solicitors ensure transactions are delivered on time and in line with commercial objectives. Whether you're a bank, private lender, developer, or investor, we offer clear, responsive legal advice at every stage of the deal.

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Our team work closely with our client’s appointed finance advisers and brokers to ensure that all stakeholders are kept up to date.

By working for both lenders and borrowers, we know what is needed to achieve both side’s respective goals. We can anticipate what might cause additional enquiries during the early stage of due diligence.

We will also work with larger deal teams on corporate acquisitions and portfolio property deals, with our Construction team on lender warranty and contract requirements for development finance, and our Planning team on all aspects of planning and licensing, particularly HMOs.

Our team has many years’ experience in charging and certifying title to social housing stock for registered providers.

We also use a tech solution to investigate transactions at quote stage to ensure pricing is accurate. This helps us to adopt fixed fees where possible.

Our areas of expertise include:

Real Estate Finance from banks and other market lenders – ranging from short term bridging, acquisition and development finance to development exit on all types of properties, be that residential, commercial or mixed use
Drafting bespoke finance documents including loan and facility agreements, mortgages and other security documents, intercreditor agreements and novations
Guarantees
Variations to agreements and any required security confirmations
Releases of security

We work regularly in the following sectors:

Property Development
Healthcare and in particular care homes, dentists and pharmacies
Social Housing
Car dealerships
Agriculture

Click here to see examples of our varied experience.

FAQs

What is property finance and how can solicitors help?

Property finance involves securing funding for the purchase, development, or refinancing of real estate. Our property finance solicitors support both lenders and borrowers by drafting and negotiating loan documentation, managing risk, conducting due diligence, and ensuring that funds are released securely and efficiently.
Do I need a solicitor for a commercial property loan?

Yes. Property finance transactions are complex and require a solicitor to review and draft loan agreements, register security (such as charges), and ensure compliance with Land Registry and Companies House formalities. Legal advice ensures your interests are protected and avoids delays in completion.
How quickly can a property finance deal be completed?

Timelines depend on the complexity of the deal, but speed is often crucial in finance transactions. Our team works proactively to meet tight deadlines, with a focus on responsive communication and efficient coordination between all parties.
Can you act for both lender and borrower in a property finance transaction?

Usually, separate legal representation is required to avoid conflicts of interest. However, in some cases (such as intra-group lending or certain bridging finance arrangements), acting for both parties may be possible with consent and appropriate safeguards.