Housing finance

We advise on the full spectrum of housing finance matters, acting for registered providers of all sizes, group parent entities, institutional investors, issuers in capital markets, and specialist funding vehicles. Our experience covers transactions of every scale and complexity, from straightforward intra-group funding arrangements, to highly structured financings and capital markets programmes.

Our approach is grounded in a strong understanding of the housing sector and the pressures facing clients. We take time to understand each organisation’s structure, priorities, and strategic objectives so that our advice is practical, commercial, and tailored to the realities of operating in a highly regulated and evolving market.

The team advises on a broad range of funding structures, including bilateral and syndicated lending, private placements, development funding, derivatives, off-balance sheet arrangements, and intercreditor structures. We are also experienced in EMTN programmes, security trust deeds, security charging, and portfolio transactions, helping clients to handle technically complex arrangements with confidence.

We also support clients on green, social, and sustainable finance transactions, including sustainability-linked funding structures. As ESG considerations continue to influence both investor appetite and regulatory focus, we help clients secure funding that aligns with their wider objectives while meeting the expectations of lenders, investors, and stakeholders.

Our housing finance lawyers work closely with colleagues across our housing and banking and finance teams, particularly on secured funding transactions where property security must be prepared and perfected efficiently. This joined-up approach enables us to deliver seamless support across the lifecycle of a transaction and identify solutions that are both compliant and commercially effective.

Clients value not only our technical expertise, but also our understanding of how these structures work in practice. Combined with our strong relationships across the market, this allows us to guide clients through complex transactions smoothly and support their long-term funding ambitions.