Helen Lucas
Head of Property Law
Helen Gerrard
Head of Corporate Law
Fiona Morris
Corporate Lawyer
Read some quick takeaways from the session below:
- Types of Real Estate Finance: Common facilities include investment loans (for income-generating property), development loans (for construction/redevelopment), bridging loans (short-term funding), and mezzanine/subordinated debt (higher-risk supplementary funding).
- Key Legal Documents & Terms: Finance agreements cover drawdown conditions, interest rates, fees, repayment schedules, and financial covenants like loan-to-value and interest cover ratios. Events of default often include property-specific risks.
- Security Structures: Lenders typically take security through debentures, legal mortgages, share charges and guarantees. SPV borrowers often have limtied assets, so the focus is on securing the property and related income streams.
- Property Considerations: Lease status, property use, and financing ype drive due diligence requirements. Critical documents include certificates of title, valuations, planning consents, and management/development agreements with lender protections.
- Joint Venture in Real Estate: JVs enable partners to pool capital and expertise, share risks, and access broader resources. Common structures include equity JVs, landowner JVs, and developer-financier partnerships.
- Intercreditor Arrangements: Crucial for projects with layered financing. These agreements establish payment priorities, enforcement rights, and control mechanisms between senior lenders and subordinate creditors (often JV partners).
About Ignition Law’s General Counsel Know-How Series
Ignition Law’s General Counsel Know-How webinar series delivers technical legal insights designed to make a real impact. Originally created to upskill our team, we found these sessions would provide valuable guidance for in-house counsel, seasoned entrepeneurs, and business leaders too, so we now ask our clients and network to join as well. Focused, practical, and technical, these webinars help you navigate challenges and stay ahead.
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