Banking & Finance

Real Estate Finance

Balancing the legal and commercial risks in real estate-focused lending transactions is vital, so our experts are here to provide you with strategic advice.

We can help lenders, real estate debt funds and borrowers on financial matters where the main security is real estate. By bringing together our knowledge of banking and finance, real estate, construction, planning and tax, we can offer you advice on a range of issues including:

  • Bilateral and syndicated loan agreements
  • Domestic and cross-border transactions
  • Intercreditor arrangements
  • Loan acquisitions
  • Drafting and negotiating amendments, waivers and variations
  • Title diligence
  • Negotiating and reporting on construction documents
  • Securitised loan control rights

We have a nationwide network of offices, which means our lawyers have local knowledge and a network of contacts throughout the real estate market in the UK. We understand the need for innovation in real estate finance and therefore offer flexible pricing including fixed or capped fees where appropriate.

We have the knowledge and experience needed to ensure success in real estate transactions, and have previously worked with a range of clients including high net worth individuals, property companies and asset managers.

Our real estate finance lawyers are also recognised by leading legal guides. Our team was ranked in band three for real estate finance in London by the Legal 500 in 2015.

Key Contacts

Our key contacts our all experts in their fields. Feel free to email or phone them to find out how we can help your business.

Recent Work

US Private Equity Fund

Advised on the £137m financing provided by Lloyds Bank and Wells Fargo for a Central London development of 335 residential units and c. 40,000 square metres of commercial space.

HSBC Bank plc

Advised on a range of development and investment transactions. Recent highlights include a £39.5m investment facility for the acquisition of a shopping centre in Reading and a £33m high end residential redevelopment in central London.

Deutsche Hypo

Advised on a range of development and investment transactions, recent highlights include a £37m senior and mezzanine PRS development loan, £22m investment facility secured against a shopping centre in Ireland and a c. £45m investment facility, secured against retail property situated in the UK.

Castleforge Partners

Advised on the acquisition of Mitre House, London EC1 and negotiated the pre-letting to DLA Piper UK LLP. We subsequently worked with our client to agree a £108m of development financing for the property, provided by Deutsche Bank.


We truly value the feedback we receive from both our clients and legal accreditation societies, such as The Legal 500 and Chambers & Partners.


"They are very approachable and good with clients."

Chambers & Partners, 2016


“Very high performing team with the qualities you would expect of one of the best teams in the property sector. Technically superb, dynamic and hungry. I cannot recommend the services or Irwin Mitchell highly enough.”

Development Director, Global Logistics Company

Legal 500

“A good firm to have on your side.”

Legal 500, 2015

Awards & Accreditation

We're always proud to be recognised for the work we do for our clients and have been named as a leading firm in the latest legal guides - which provide information and recommendations about lawyers and law firms in the UK.

Leading Firm - Chambers & Partners 2017 Leading Firm - Legal 500 2017 Shortlisted for Property Law Firm of the Year - Yorkshire Insider Property Industry Awards 2016 5th Most Active Mergers & Acquisitions Firm - Experian 2016 Lex 100

We Work Nationally

We have offices in major cities throughout the UK and our lawyers can arrange to visit you or your business in person if necessary. We also have international capability, with global links to other legal specialists.

Business News

Our lawyers are regularly asked to provide expert insight, advice and analysis for the national media. Take a look at the stories below to see what we’re saying, as well as some of the recent deals we have completed for our clients here in the UK and abroad.

Property Lawyer Predicts Brexit Will Increase Dilapidation Claims

07 / 12 / 18 Read More

Businesses Urged To Speak To Suppliers Ahead Of Brexit

04 / 12 / 18 Read More

UK Manufacturing Recovers From Dip According To IHS Markit/CIPS

03 / 12 / 18 Read More