Property Financing

Our Property Finance Legal Services

Acquisition Finance

When you are purchasing commercial property using borrowed funds, the legal process involves more than conveyancing. We advise on the full suite of finance documentation alongside the acquisition itself, so your transaction moves forward as a single coordinated process. This is particularly valuable for buyers acquiring commercial property through structured transactions where timing is critical.

• Facility letters and loan agreements
• Legal charges and debentures
• Title due diligence and lender reporting
• Condition precedent review and satisfaction

Development Finance

Development finance involves a more complex legal structure than standard investment lending. Drawdown mechanisms, construction warranties, monitoring surveyor requirements and planning conditions all need careful legal management. Our property financing solicitors advise developers and funders on transactions from smaller residential conversions through to large mixed-use schemes.

• Development facility agreements and drawdown structures
• Construction documentation review
• Section 106 and planning condition compliance
• Monitoring surveyor appointment and reporting requirements

Refinancing and Loan Restructuring

Refinancing an existing commercial property or portfolio requires careful legal coordination to transfer security, discharge existing charges and put new documentation in place. We act for both the incoming lender and the borrower, managing the process to minimise delays and protect all parties’ interests. This includes advice on commercial investment portfolios where multiple charges may be involved.

• Redemption of existing facilities and discharge of charges
• New security documentation and registration
• Intercreditor and priority arrangements
• Portfolio refinancing across multiple assets

Bridging Finance

Bridging loans are a common tool for commercial buyers needing to act quickly, particularly at auction or when purchasing before a longer-term facility is in place. We advise borrowers and specialist lenders on short-term secured lending, ensuring the documentation is tight and the exit strategy is clearly reflected in the legal structure. Our team also supports clients acquiring property at auction where completion deadlines are non-negotiable.

• Bridging facility agreements for commercial property
• First and second charge bridging structures
• Exit strategy review and documentation
• Fast turnaround where timescales are tight

Mezzanine and Alternative Finance Structures

Commercial property transactions increasingly involve layered finance structures combining senior debt, mezzanine lending and equity. Each layer of finance requires distinct documentation, and the intercreditor arrangements between lenders need careful drafting. Our property financing solicitors advise on complex structures where multiple funders are involved, including transactions linked to property development and regeneration schemes.

• Mezzanine loan agreements and subordination arrangements
• Intercreditor and standstill agreements
• Equity co-investment structures alongside debt
• Preferred equity and profit participation arrangements

Secured Lending for Lenders and Financial Institutions

We act for specialist lenders, bridging finance companies and financial institutions providing secured lending against commercial and mixed-use property. Our team handles the legal due diligence, security documentation and title reporting that lenders need to satisfy their credit requirements. We also assist with commercial lease review as part of the lender’s security assessment where the property is tenanted.

• Lender due diligence and title reporting
• Facility and security documentation drafting
• Valuation and planning condition review
• Enforcement advice and LPA receivership support