Expertise

  • Real estate-driven banking
  • Islamic financing structures including commodity murabaha and diminishing musharakah structures.
  • Shariah compliant property ownership and leasing

Related Sectors

Related Services

Career & Experience

Kate is an experienced real estate finance solicitor who advises banks and financial institutions on complex investment, development and refinancing transactions, including both Islamic and conventional financing structures.

She acts for banks on single-asset and portfolio acquisitions, refinancings and development financings across the commercial and residential real estate sectors, often involving cross-border structures and offshore elements.

Kate is recognised as a Leading Associate in the Legal 500 2027, where clients describe her as “very approachable, responsive and knowledgeable”.

Notable experience includes advising Riyad Bank (London Branch) on its largest real estate financing transaction to date, a £64 million facility to refinance the UK headquarters of an international law firm in Moorgate, London.

Outside of work, Kate enjoys playing netball, surfing and spending time outdoors.

Accolades

  • Leading associate in the Legal 500 2027
  • Rising star in the Legal 500 2025 and 2026
  • Key lawyer in the Legal 500 2023, 2024 & 2025
  • Islamic Finance Qualification from the Chartered Institute of Securities and Investment
  • Member of the Loan Market Association

Career & Experience

Kate is an experienced real estate finance solicitor who advises banks and financial institutions on complex investment, development and refinancing transactions, including both Islamic and conventional financing structures.

She acts for banks on single-asset and portfolio acquisitions, refinancings and development financings across the commercial and residential real estate sectors, often involving cross-border structures and offshore elements.

Kate is recognised as a Leading Associate in the Legal 500 2027, where clients describe her as “very approachable, responsive and knowledgeable”.

Notable experience includes advising Riyad Bank (London Branch) on its largest real estate financing transaction to date, a £64 million facility to refinance the UK headquarters of an international law firm in Moorgate, London.

Outside of work, Kate enjoys playing netball, surfing and spending time outdoors.

Accolades

  • Leading associate in the Legal 500 2027
  • Rising star in the Legal 500 2025 and 2026
  • Key lawyer in the Legal 500 2023, 2024 & 2025
  • Islamic Finance Qualification from the Chartered Institute of Securities and Investment
  • Member of the Loan Market Association

Testimonials

Don't just take our word for it

I have had the pleasure of working with Zahir Nayani and Kate Heard on a number of transactions. They are both very knowledgeable and were always available to offer clear and thoughtful guidance. Beyond their expertise, they are genuinely personable and kind, making interactions both professional and enjoyable.

Legal 500, 2026

‘Zahir Nayani and Kate Heard are both very knowledgeable and proactive in handling transactions. They have a wealth of experience and apply this in both a legal and commercially practical sense.’

Legal 500 UK, 2024

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