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We act for both lenders and borrowers on real estate finance transactions, from loan origination to enforcement. This enables our finance practice to see both sides of the lender/ borrower relationship on institutional and unconventional transactions.

We are able to draw on extensive in-house experience in European “Bad Banks”, giving direct insight into the decision making process which precedes enforcement of loans in default.  Our in-house experience also enables us to appreciate the pressures on banks in the lending process, particularly in this heightened regulatory era.  For borrowers, we advise on the full life cycle of the borrowing process, including setting up the most tax efficient funds and providing support at exit.

Bristows’ real estate finance practice has experience of the full lifespan of the lending process, from setting up new funds and SPVs, to negotiating loan facilities and security documents, and advising on enforcement action against defaulting borrowers.

We have a wide network of offshore lawyers with whom we work closely when a party is located in another jurisdiction.

Experience

As part of Santander’s panel we have acted on loans secured on in excess of £100m of real estate assets.

Advising a Spanish borrower on the English law aspects of a development loan facility.

Acting for a UK pension fund providing mezzanine development finance to complete a mixed use commercial/ residential development in Cambridge.

On the Borrower side, acting for a Royal Charter Body securing finance to extend its long lease of a trophy building in St James;

Advising a Guernsey LP securing development finance to build a Morrisons filling station in North London.

What others say

“Bristows offer a personalised service, are very responsive and have always been able to deal with issues arising. I have always found them to be professional and attentive.”

Chambers and Partners UK 2026

“The team at Bristows are very commercial and look to find solutions for clients quickly. They are open to problem solving and understand the real estate market very well.”

Chambers and Partners UK 2026

“Bristows apply their detailed legal knowledge in a clear, concise way coupled with commercial advice. The service they provide is already first class and absolutely solid at all levels.”

Chambers and Partners UK 2026

“The team has been in place for many years, and the continuity that it provides is immeasurably valuable. I am rarely presented with a problem without a suggested solution, which comes from a long history of working with the same team.”

Legal 500 2026

“The team take the time to learn their clients’ risk tolerance and preferences and can be trusted to make determinations with that in mind.”

Legal 500 2026

Recent rankings and awards

Commercial property - corporate occupiers - Tier 2

Commercial Contracts

Real Estate: £10-50 million

Key contacts

Tim Allen's headshot
Tim Allen
Partner – Real estate