Real Estate Finance

From refinancing your property portfolio to funding the development of commercial and residential property, our dedicated finance solicitors can help you secure what you need to progress your transaction. We provide specialist advice for all types of businesses and act for both lenders and borrowers.

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Meet the team

Three real estate solicitors discussing

Real estate advice from agreement to completion

Every day, we advise lenders and borrowers on loans related to property sales and acquisitions, and we help to finance property development and refinance existing debt. Our dedicated finance solicitors work with all kinds of lenders, including mainstream banks, bridging loan companies, challenger banks and peer-to-peer lenders and individual borrowers so we can find a finance solution for your property. We know the funding landscape well, and know how to enable borrowers to access funds quickly and efficiently.

We cover every aspect of a real estate deal – from negotiating the loan agreement and undertaking due diligence to preparing warranties for development projects. We provide finance advice across acquisition and investment finance, property development finance, buy-to-let portfolio acquisitions and refinancing – ranging from a single asset to large portfolios.

As asset finance solicitors and real estate finance solicitors, we also advise on bridging finance, secured lending and acquisition through to development finance, acting for lenders and borrowers on transactions ranging from a single asset to large portfolios.

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Working with our real estate clients

Our experience ranges from mezzanine to bridging and Islamic finance, and our specialisms cover a range of sectors, including agriculture, healthcare and education. Taking a pragmatic approach to lending, we never sit on the fence; finding solutions to any problems that arise. A clear scope of work is provided at the outset, and we’re very happy to work on a fixed-fee basis.

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Services from our Banking and Finance team

Recognition of our work

Legal 500 2026 – Leading Firm

Legal 500 2026 – Leading Firm

Legal 500 2026 – Top Tier Firm

Legal 500 2026 – Top Tier Firm

Legal insights and thought leadership

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Hear what our clients say about us

Lucie Byron is also well-regarded by clients. ‘The team takes a commercial view, reacting quickly to turn around documents and move things forward.

Client testimonial Legal 500 UK

HCR understands how the bank operates, what is important to us and provides tailored advice.

Client testimonial Legal 500 2026

Responsive, pragmatic, easy to get on with. Hannah Oseland has been great to work with over. They have been easy to get hold of and have acted quickly and diligently when up against tight deadlines.

Client testimonial Legal 500 2026

I just wanted to say thank you to you both for helping me getting the completion done today. Appreciate all the help you gave during this process.

Client testimonial Real Estate Finance

You were always contactable by phone and email and this gave me peace of mind and made it really easy to exchange information. In the event, the bridging loan company was much more difficult to deal with than either of us expected, but you rose to the challenge and gave me absolute confidence that you would do all you could to meet the impending deadline. You have restored my confidence in the legal profession, and I can honestly say that the service you provided was the best I have received in almost 40 years of conducting legal transactions of one kind or another. I hope to use your services for all future commercial transactions, and cannot thank you enough.

Client testimonial Bridging loan advice

Emme has proven herself to be a thoroughly professional property lawyer handling a wide range of property types and values from modest residential to high value commercial units.

Approachable and readily contactable, she is easy to work with, and I would have no hesitation recommending her to other lenders or clients who require a reliable, technically competent and very thorough property lawyer.

Mark Walker Lloyds Bank’s commercial banking division

Just wanted to send a quick note over to thank you once again for your hard work in delivering the deal in time for Christmas!

Throughout the process you were both incredibly helpful and pragmatic which has led to the deal getting done. Thank you. Look forward to working together again in the new year.

Successful nursery acquisition following Real Estate Partner’s expertise

Now that we have completed, can I thank you all for all the hard work and professional advice you have undertaken in dealing with my matter. Every dealing with your company has been done in a timely and pleasant manner and you have made the whole process very easy for me. I am so grateful that Henry recommended you and I would wholeheartedly recommend the team at HCR Law.

Harvey Cohen Trinity Dental

Really pleased to have completed on further residential development transactions with HCR Law acting on behalf of the lender on a number of cases. As a broker, it makes such a difference when you can advise the client, with complete confidence, that it won’t be the lenders’ solicitor delaying their completion – and all without having to pay extortionate rates too. A big thank you to both Clare Day and HCR, and looking forward to working with you again in the near future.

Broker Blaise Commercial Finance

Many thanks for all your work on this and speedy responses to everything, you have made the whole process very simple for us. Thanks again!

Darren Gordon – General Manager Concept Environmental Solutions

We would like to thank you for going the extra mile to get this deal completed before our year end.

Client New Development Finance

How can we help you?

Frequently Asked Questions

Bridging finance is short term funding used to cover a gap, most commonly buying a new property before an existing one has sold, or funding a purchase quickly ahead of longer term finance being arranged. It’s faster to arrange than a standard mortgage but carries a higher interest rate, reflecting the short term nature of the loan. Our bridging finance solicitors act for both lenders and borrowers on these transactions.

Real estate finance covers the loans and funding structures used to buy, develop or refinance property, spanning everything from residential mortgages through to complex development and investment finance for lenders and borrowers alike. Our real estate finance lawyers advise on the full range, negotiating loan agreements, handling due diligence and preparing the security lenders need.

Secured lending is a loan backed by an asset, usually property, which the lender can claim if the borrower doesn’t repay. It typically allows for larger loan amounts and better interest rates than unsecured lending, since the asset reduces the lender’s risk. We advise both lenders and borrowers on structuring secured lending correctly from the outset.

A bridging loan is typically secured against property and arranged for a fixed term, often 12 months or less, with interest either paid monthly or rolled up and repaid at the end. It’s designed to be repaid quickly, usually once a sale completes or longer term finance is put in place. Our bridging finance solicitors help clients structure the loan and plan that exit from the outset.

Asset finance is a way of funding the purchase of equipment, machinery or other business assets by spreading the cost over time, rather than paying the full amount upfront. It can also refer to using existing assets as security to release funds for other purposes. Our asset finance solicitors advise both lenders and borrowers on structuring these agreements correctly.