Real Estate Finance

Dedicated and driven real estate financial expertise.

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Specialist real estate finance lawyers

Real Estate Finance matters are all about facilitating a deal that has already been done rather than trying to reshape it. Our real estate finance lawyers focus on ensuring smooth transactions while mitigating risks and addressing the unique financial challenges of each deal.

We have a dedicated real estate finance team who specialise in real estate finance transactions, keeping a close eye on generally acceptable trends in the marketplace so that commercial and timely advice can be given. Whether it’s property finance for residential property, commercial projects, or managing an expanding property portfolio, we provide expert legal support.

Our services

Our real estate finance experts provide clear, commercial advice to protect your interests. We can help you with:

  • Advising banks, fintechs, private credit providers, and other financial institutions on UK real estate finance.
  • Acting for UK and international borrowers and investors on acquisitions, refinancings, and portfolio finance.
  • Structuring, drafting, and negotiating real estate finance and security documents.
  • Advising private and international banks on UK real estate finance transactions.
  • Supporting the development of new real estate finance products.
  • Advising on development finance and complex funding structures.
  • Advising on sukuk structures for real estate transactions.

Related services

Related services

Conveyancing

Efficient, accurate conveyancing is key to completing property transactions tied to financing arrangements. Our team supports buyers, lenders, and investors with all aspects of residential and investment conveyancing, ensuring titles are clean, risks are flagged early, and transactions proceed smoothly to meet funding deadlines.

More about our conveyancing legal services

Corporate Real Estate

The use of corporate structures for the acquisition, holding and disposal of assets is an integral part of the real estate sector.

Our expertise means we can help with all aspects of the life cycle of real estate assets and have core sector experience in student accommodation, hotels, office, MMC, BTR, housing and affordable housing.

More about our corporate real estate law services

Property Litigation

When financing arrangements are affected by disputes, such as title issues, tenant defaults, or enforcement of security, our Property Litigation team steps in to protect your position. We advise lenders, borrowers, and investors on resolving real estate conflicts quickly and commercially, helping to safeguard asset value and maintain deal momentum.

More about our property disputes legal services

Projects, Infrastructure & Construction

Financing is often the foundation of successful project delivery. Our construction and infrastructure team works alongside our finance specialists to support the full project lifecycle, from procurement and contract structuring to risk management and delivery.

More about our consturction law services

Real Estate

The world of real estate is changing fast. The way we construct, operate, invest in and use property has been transformed. At Foot Anstey, we have the in-depth understanding to help you navigate this rapidly changing market.

More about our real estate legal services

Property Development

Successful development relies on robust funding and smart structuring. We advise developers, investors, and lenders on financing strategies that support property development from land acquisition through to sale or letting.

More about our property development law services

Why choose Foot Anstey?

Most law firms will profess to be capable in Real Estate Finance, and the truth is there is no magic to dealing. However, we are different to most in that we are real estate finance lawyers who also have a deep understanding of the sector which allows us to know the positions that borrowers, lenders, and lenders’ credit teams are likely to take on different matters. This enables us to move quickly and with the minimum of fuss, facilitating a matter through to completion. Being commercially minded and advising accordingly is the key. No-one wants a lawyer who identifies an academic problem that does not cause an issue in reality. Similarly, clients should be advised how best to proceed in order to protect their interests and move ahead, rather than not being given guidance and left to make up their own minds.

Our real estate finance expertise extends to development finance, ensuring that investment funding is structured effectively to support projects from inception to completion. Additionally, we work closely with private equity funds, helping clients secure financing strategies that align with their long-term investment goals.

Our people

Our size, being one of the largest real estate law firms in the United Kingdom with multiple offices around the country, including London, Bristol and Manchester, means our real estate finance team draw upon other expert lawyers including those working exclusively in teams devoted to banking, planning, construction, and environmental regulation.

Our real estate finance solicitors collaborate across disciplines to offer comprehensive guidance on complex financial arrangements.

Meet our team
Three diverse business people going over paperwork together at a table.

Key contacts

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What do our clients say?

Foot Anstey distinguishes itself through a combination of deep sector expertise, a client-centric ethos, and a progressive approach to legal service delivery. The practice is recognised not only for its technical proficiency and commercial insight but also for the strength and accessibility of its people.

Legal 500 , 2026

Foot Anstey take a pragmatic and resolution-based approach

Chambers and Partners, UK, 2026

We appreciate their solid, pragmatic advice, attention to detail and responsiveness.

Chambers and Partners, UK, 2026

They have an immensely commercial aptitude, while simultaneously offering technically robust advice. They are consistently able to meet tight deadlines.

Chambers and Partners, UK, 2026

(Foot Anstey) are commercial, readily available, and have a collaborative attitude that encourages long-standing relationships.

Legal 500, 2025

Frequently asked questions?

A real estate finance lawyer acts as that crucial advisor to lenders, borrowers and investors on the very real legal side of securing the right property finance deals and bringing them to life. Their day job involves:

  • Structuring and negotiating loan agreements
  • Drafting security documents (e.g. legal charges, debentures, guarantees)
  • Coordinating due diligence on property titles, leases, and planning matters
  • Managing drawdowns, conditions precedent, and completion
  • Advising on refinancing, enforcement, or loan workouts

All in all, they help ensure property finance deals run as smoothly as possible, and get repaid when they’re supposed to, from the initial term sheet right through to repayment time.

ESG (Environmental, Social, Governance) and sustainability are making a huge impact on real estate finance and lawyers are right in the thick of it. Here are some of the key changes we’re seeing:

  • Stricter lending criteria: Lenders increasingly require evidence of strong environmental credentials (e.g. energy efficiency, carbon reduction) before advancing finance.
  • Green finance and loan structures: Legal support is needed for structuring green loans and sustainability-linked financing, including drafting covenants tied to environmental performance.
  • Due diligence and risk assessment: ESG risk factors—such as poor energy ratings, flood risk, or stranded asset concerns—must be identified during legal due diligence to protect all parties.
  • Regulatory and compliance requirements: Real estate finance deals must account for evolving obligations like minimum energy standards or biodiversity net gain.
  • Contract drafting and security structures: Lawyers increasingly incorporate ESG-linked responsibilities into loan agreements, security documents, and property contracts.

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