Legal experts in Property and Development Finance

Our expert Property and Development Finance team advises on all aspects of real estate finance.

Our core market for lending transactions is for debt deals between £5,000,000 and £50,000,000. Our Property Finance team also specialises in agricultural lending, which is rare in the legal market.

We will work closely with you (and our specialist banking team) to ensure that your targets and deadlines are achieved, using standard documentation, robust due diligence and reporting procedures tailored to your needs. We work closely alongside our Construction team who advises on all major industry standard forms of contract (JCT, NEC, FIDIC, GC/Works), a wide spectrum of bespoke construction agreements and on third party security (warranties, bonds and guarantees).

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Main Areas Of Practice

We can advise you in all aspects of secured lending, including:

Mortgages and debentures

Our expert property finance lawyers provide expert advice on mortgages and can provide specialist advice on the legal issues that may arise when drafting a debenture.

Refinancings and restructurings

Our expert Property Finance team works closely with our clients to understand their business so that it can advise on how to use refinancing and restructuring as a management tool to get the best outcome for your business.

Revolving credit facilities

Revolving credit facility is a flexible form of business finance that gives you access to cash when you need it, and can be simpler than a normal loan. Our team is experienced in advising on the legal aspects of setting up revolving credit facilities.

Syndicated loans

A syndicated loan is financing offered by a group of lenders. Our expert Property Finance team is experienced in advising on the legal issues surrounding syndicated loans so that you get the right terms for you and your business.

Forward funding/forward sale agreements

Our expert Property Finance team can help you draw up forward funding and forward sale agreements.

Corporate funding arrangements

We advise on all property aspects of corporate funding arrangements.

Ownership and funding structures

There are a wide range of options available when it comes to ownership and funding structures for property transactions. Our expert lawyers provide commercial advice to find the right one for you.

Our Clients

The team acts for banks, building societies, mezzanine and other lenders (including providers of Islamic finance) and various borrower clients including companies, LLPs, funds, individual investors and developers.


We advised on a series of financings to purchase portfolios of ground rents totalling £35 million. We structured the loan facility, ensured adequate protection on potential collective investment scheme issues, managed a large number of leasehold and freehold titles and secured a series of completions, bringing some properties into charge on less than 48 hours' notice.

Our experts advised on the moving of banking facilities including charging of 37 retail and office units (£15 million facility). We advised our bank client in connection with a revolving credit facility which included taking security over 37 retail and office units. The deal was completed on budget and within timescale and illustrates Blake Morgan's ability to charge a sizeable portfolio quickly and economically.

We led on the mixed financing and refinancing of property portfolio and developments (£30 million facility). Management of title investigation on a substantial and fluctuating pool of properties, structuring and negotiating a mixed application facility, subsequently restructured to term, and revolving facilities for a range or purposes and with miscellaneous borrowers.

Our Experts



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Awards & Accolades

BM Insights


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We look at landlord's repairing obligations following recent reports published by the Housing Ombudsman.

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One of the most dynamic parts of the real estate industry, the industrial and logistics sector, came under the microscope at our Developing Connections webinar on Tuesday 1 February. Levels...

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