Reshma Jogia Legal Director

Photograph of Reshma Jogia

Contact Details

“Reshma Jogia often advises Welsh banks on their local and national lending activity, and is specialised in work involving the education, healthcare and property development sectors. Clients highlight her "practical, approachable and calm" manner. She is also praised for being "very thorough, knowledgeable and focused on getting things over the line."”

Chambers and Partners 2019
Reshma is in our Banking and finance team and acts for a variety of lenders as well as borrowers.

Main areas of practice

Reshma's work includes negotiating loans, working capital facilities, security, intercreditor and priority deeds and related documents including advising on syndicated multi-currency facilities, project finance, invoice discounting, management buy-outs and buy-ins, agreeing and issuing secured and unsecured loan stock, dealing with debt restructuring, undertaking security reviews for lenders and advising on and undertaking restructuring of security, advising on trade finance, asset finance, and regulatory advice, particularly Consumer Credit Act and the Financial Services and Markets Act.

Significant experience

Development Finance

  • Acting for the Royal Bank of Scotland Plc on their £13.7m facility to fund the development of a new private hospital in Cardiff.
  • Advising the MedicX Fund Group in connection with its acquisition and development of healthcare centres where funding of £100m was provided by The General Practice Finance Corporation and syndicated facilities of £22.5m with Deutsche Postbank AG which involved negotiating the terms of the loan agreement and Master ISDA documents and related security and £25m has recently been provided by the Royal Bank of Scotland plc which involved negotiating the terms of the loan agreement and Master ISDA documents and related security and priority arrangements with the existing lenders to the Group and being lead lawyers also played a project management role.

Social Housing

Acting for various Housing Associations in connection with their funding arrangements including:

  • Clwyd Alyn Housing Association in connection with funding from Abbey National Treasury Services of £50.5 million, and from the Royal Bank of Scotland Plc of £50 million involving a security trustee arrangement. Reviewing and negotiating the loan agreements and dealing with satisfaction of the conditions precedent.
  • Clwyd Alyn Housing Association in connection with its funding of £14m from Lloyds Bank Plc.
  • Cardiff Community Housing Association in obtaining additional facilities totalling £16 million from Nationwide Building Society which involved negotiating the loan agreement for the new facility.

Public Sector

  • Advised South Wales Fire Authority on a refinancing of the senior debt in its PFI Fire Training Centre Project with the Authority’s interests in mind. This involved reviewing the private sector funding and security documents and negotiating the direct agreement.

Health & Social Care

  • Advised the Department of Health on the funding aspects of the Avon Gloucestershire and Wiltshire £200 million plus Phase 2 Electives Scheme.
  • Advised an independent healthcare provider on project finance for the acquisition and development of care homes, including facilities from Allied Irish Bank of £12 million and dealing with the security documents, deed of subordination and ISDA Agreement.


  • Reshma has acted in the completion and registration of Mortgages over pleasure boats, fishing vessels and licences.

“She is very responsive.”

Chambers UK 2018


Articles by Reshma

Do you need to apply to the FCA to move your landing slot? If so act without further delay


Where you carry on Consumer Credit Act (CCA) activities you should currently hold interim permission to carry on these activities.

Financing: getting your house in order


With a house building target of 7,500 by 2016 we were delighted when the Welsh Government announced that it is to inject a further £400 million (a mixture of private finance and a direct contribution from the Government to supplement private finance

Consumer credit activities: transfer of responsibility


You will need to apply for an interim permission to continue with activities covered by your licence from 1 April 2014. Applications are to be made online and are subject to the payment of a fee.

Related Knowledge & Resources

FCA Motor Finance Report - Final Findings

The long awaited final part of the FCA's review of the motor finance sector has arrived; are there any nasty surprises lurking for the industry to be worried about?

Criminal Finances Act 2017 - what organisations need to do now to manage risk

Our expert explains the changes to the Criminal Offences Act and what you need to to to reduce the risk to your business.

Do sleep-in shifts qualify for the minimum wage?

In HR Magazine, Holly Cudbill, considers the vexed question of whether employees who undertake sleep-in shifts are entitled to the national minimum wage (NMW) throughout the entire time they are asleep, or only when they are awake to carry out duties.

PSD2 – Are you Ready?

With the clock ticking, and just over a month until the changes to the regulation of payment services and e-money come into force, the revised regime will see a significant change to the way in which payment services and e-money are regulated.