What are you looking for?


Real estate assets form a core part of the business strategy of many lenders, investors and trading businesses. Our leading real estate finance lawyers have a diverse range of experience in all aspects of real estate finance, to ensure that you receive specialist, tailored advice to guide you through your transaction.

We take pride in the quality and speed of delivery of our advice, our innovative thinking and, most importantly, our commercial awareness. We provide creative, practical and commercial solutions to get your real estate finance deal done.

Our specialist services

We advise on:

  • acquisition and investment finance
  • refinance
  • development and construction finance
  • mezzanine finance
  • preparation of certificates/reports on title
  • intercreditor arrangements
  • ESG and sustainable finance

Our team acts for a wide variety of commercial lenders and well-known borrowers from across the public, private and third sectors. We have advised clients in respect of lending secured against a range of property assets including:

  • buy to let assets and portfolios (from one property to portfolios with in excess of 100 properties)
  • stadiums, sports grounds and leisure complexes
  • retail shops and shopping centres
  • film and television filming and production studios
  • car dealerships
  • petrol stations
  • mixed-use properties
  • pubs, restaurants and hotels
  • residential healthcare sites and care homes
  • pharmacies, doctors and dental surgeries
  • commercial and office spaces
  • manufacturing sites, warehouses and light industrial units and estates

We aim to facilitate draw down of funds on time by taking a commercial approach, providing concise advice, and fundamentally, anticipating and highlighting problems as early as possible in every transaction.

We offer a fully transparent scale of fees to provide a clear, complete package of costs at the outset of every instruction we receive.

Key contact

Dominic Marshall


Dominic is a partner and head of the banking and finance team. Dominic is a vastly experienced banking and finance lawyer who, since joining Hugh James in 2010 has grown and developed the banking team into a leading player, acting for high street banks, challenger banks, financial institutions and building societies.

Why use us?

Our specialist team of Banking and Finance lawyers are based between our Cardiff and London offices and form one of the UK’s leading teams.

We advise a broad spectrum of clients on their debt finance arrangements with lenders. Our clients range from large multi-national corporates and SMEs to public bodies, social housing providers and charities. You will benefit from our strong relationships with our lender clients, together with our in-depth understanding of bank requirements through our work with the same.

We are appointed to the panel of many of the UK’s leading clearing banks and private bank and we are proud to work with a number of exciting challenger banks, FinTechs and alternative lenders. We also have extensive experience acting for Welsh Government and other public bodies in providing debt finance and grant funding for projects in Wales.

Many of our lawyers have worked for leading firms in London, large corporate groups and financial institutions both in the UK and abroad. We also have a long history of placing our lawyers on secondment with clients. You will benefit from our insight and understanding of your commercial needs, demonstrated through the quality and speed of our delivery of our services and advice.

How we act for our clients

Each matter will be supervised by a Partner and supported by another team member and you will be provided with their contact details at the outset of the transaction. We will usually arrange a call with you to discuss how you wish to proceed and expected timescales. We will them liaise with you by calls, emails and Teams meetings as required.

Our clients

Our lender clients include:

  • major UK banks such as HSBC, Santander, Lloyds, Natwest and RBS;
  • challenger banks such as Metro Bank, Hodge Bank, Atelier Finance, Arbuthnot Latham, Investec;
  • alternative finance lenders such as the Development Bank of Wales;
  • building societies such as Principality.

Our borrower clients include:

  • private companies from a wide range of sectors including: manufacturers, pubs, bars and breweries, hotels and conference facility providers, financial service providers, technology design and manufacture companies, sports clubs, and property developers, ranging from private investors to large multi-national companies;
  • not-for-profit entities including education providers and charities; and
  • housing associations.

We act for a number of high profile Welsh clients including:

  • Welsh Government
  • Welsh Rugby Union (WRU)
  • Great Point Studios
  • FEI Foods
  • Celtic Manor Resort

Next steps

We’re here to get things moving. Drop a message to one of our experts and we’ll get straight back to you.

Call us: 033 3016 2222

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