Property finance and secured lending

Navigating the intricacies of property finance can be complex, but it is a crucial part of any commercial property transaction. Therefore, to enable each investment and transaction to be protected and run smoothly, it is vital that the right legal advice is obtained from the very beginning.

Businesses regularly review their arrangements with their bank and/or lease provider to achieve more favourable terms.

Napthens’ property finance solicitors have vast experience in acting for both borrowers and lenders across a wide range of transactions, including property development funding, commercial refinance, regearing and the charging of existing stock.

How Napthens can help

At Napthens the team will dedicate time to understand all the objectives and goals, to ensure the most appropriate avenues are found.

We’ll work with all parties and lenders, to ensure a commercial finance or refinance transaction proceeds smoothly to settlement.

Whether the finance options are for acquisitions, development, expansion, investment or diversification of a property portfolio, we can provide the help you need.

This includes:

• Acquisition and investment financing
• Advice on loan documentation
• Conventional facilities secured on property
• Deeds of priority between lenders
• Development and construction financing
• Joint ventures
• Mezzanine financing
• Perfection of security
• Preparation and negotiation of Certificates of Title
• Property related financial solutions
• Refinancing

During the process on refinancing and regearing the Napthens team will:

• Answer the questions raised by the lender’s solicitors
• Deal with completion process and the requirements of the lender’s solicitors in respect of the executed security documentation
• Liaise with any existing lender and their solicitors to make arrangements to discharge and repay the existing loan
• Review the security documentation they provide
• Where required, report on the security documents and explain what they mean
• Work closely with the lender’s solicitors in respect of the various post-completion registration requirements to perfect the new security