Next Generation Partners

Leading Associates

Banking and finance in North

Muckle LLP

Working in close cooperation with the firm’s real estate, construction, and property teams, the banking and finance offering at Muckle LLP spans the full range of banking, finance, and fundraising advice on both the borrowing and the lender side. Counting national banks, start-ups, and publicly listed companies, among its impressive roster of borrower-side clients, the team is described by clients as ‘extremely responsive with a practical approach to solving issues.’ Louise Duffy heads the team, and advises banks, corporate clients, and financial institutions on loan portfolios, fundraising, and sports finance matters. Zoe Ditch is adept at asset finance transactions, while Georgia Sproat advises on general banking and security arrangements. On the real estate finance side, Gail Bennett is the key name to note. Andrew Coddington left the team in August 2023.

Responsables de la pratique:

Louise Duffy


Autres avocats clés:

Zoe Ditch; Georgia Sproat; Gail Bennett


Les références

‘Great team. Great availability. Good concise advice. Very personable.’

‘Louise Duffy, Zoe Ditch and Georgia Sproat are excellent.’

‘The team is very approachable, extremely knowledgeable and very diligent. The Muckle team takes the time to understand legal requirements and provides practicable advice and solutions in a timely manner.’

Principaux clients

Hampshire Trust Bank plc


HSBC UK Bank plc


Santander UK Bank plc


NEL Fund Managers


Weldfast (UK) Limited


The English Sports Council/Sport England


Wilton Engineering Services Limited


National Westminster Bank plc


ESJ DOR 1 Limited


Esh Holdings Limited


Principaux dossiers


  • Advised Hampshire Trust Bank in tandem with the property and construction teams on the provision of £21.1m in funding for development of two commercial units.
  • Advised Esh Holdings Limited (Esh) on their £6m refinance with Bibby Financial Services, liaising directly with Esh and a third-party debt advisory team acting for Esh.
  • Advised ESJ Dor 1 Limited (ESJ) on the £31.8m development facility for their on-going development of a 406-room student accommodation.

Ward Hadaway LLP

Ward Hadaway LLP’s full-service banking and finance team acts for lenders and borrowers on matters relating to corporate and leveraged lending structures, real estate and structured finance, and asset-backed lending. Additionally, the ‘exceptional’ team has recently seen an increase in instructions concerning development and growth capital investments for non-bank lenders. The ‘pragmatic, determined, and thoroughImogen Holland oversees the department and takes point on acquisition finance and real estate finance, and also has a strong practice advising private equity and venture capital-backed borrowers on private equity transactions and structuring priorities. Simon Errington attracts praise for his proficiency in property finance transactions.

Responsables de la pratique:

Imogen Holland


Autres avocats clés:

Simon Errington


Les références

‘Strong collaboration between the different teams at Ward Hadaway means you are getting the correct experience in the correct places at all times. Good communication during a transaction, easy to speak to and can explain things in a simple way where required but equally good to have on the side during legal negotiations. ’

‘Simon Errington is accessible and approachable, happy to answer queries and resolve complex issues. Good person to have on our side in property transactions.’

‘Imogen Holland – Very approachable and knowledgeable, happy to discuss matters and provide informal advice when required. Great attention to detail and has provided invaluable support to the bank. ’

Principaux clients

Royal Bank of Scotland plc/National Westminster Bank plc


Santander UK plc


Lloyds Bank plc


Develop North PLC and Tier One Capital Limited


GB Bank Limited


Clydesdale Bank plc trading as Yorkshire Bank/Virgin Money


North East LEP


OakNorth Bank plc


Inn Collection Group


Prefequity LLP


Burnetts

The ‘very experienced and extremely practical’ banking and finance team at Burnetts has a strong track record advising clients in the real estate, agriculture, and healthcare sectors on investment deals, development finance, loan agreements, and re-financings handling both lender- and borrower-side instructions. Practice head Nicola Nutley leads the firm’s property finance offering and takes point on funding transactions. Also in the core team is Rebecca Joy, who advises lenders on property refinances and purchases as well as debentures, guarantees, and drafting facility agreements. Sarah Willshire left the team in September 2023.

Responsables de la pratique:

Nicola Nutley


Autres avocats clés:

Rebecca Joy


Les références

‘The team is very experienced and extremely practical – the communication through the various stages of a transaction is excellent.’

‘They are just very good at what they do – highly deal-focused.’

‘Have got really good experience of speed of delivery and also expertise.’

Principaux clients

Lloyds Bank plc


Atom Bank plc


Oxbury Bank plc


Handelsbanken


Clydesdale/Virgin Money


Cumberland Building Society


Bank of Scotland plc


Agricultural Mortgage Corporation


Principaux dossiers


  • Acted on behalf of Lloyds Bank plc for the funding of an asset purchase of 12 pharmacies from Lloyds Pharmacy Limited and the refinancing of 23 pharmacy properties owned by that borrower, with a deal size of approximately £10.5m.
  • Acted for Lloyds Bank PLC in taking security over a mixed portfolio of 14 properties that were being transferred to a company which was incorporated in Gibraltar, with a deal size of £3,4m.
  • Acted for the Cumberland Building Society in relation to the re-finance of 18 holiday let properties that were held by a trust, with a deal size of just over £1m.

Sintons LLP

With particular strength acting for borrower-side clients and operators in the healthcare and real estate sectors, Sintons LLP’s banking and finance offering works closely with the firm’s corporate and real estate teams to provide a multidisciplinary offering that spans acquisition finance, corporate refinancings, and funding advice. Practice head Jane Meikle acts for banks, other financial institutions, and corporate borrowers, advising on debt restructuring, refinancing, guarantees, and major funding transactions. David Ferguson is a name to note for real estate finance and heads the firm’s specialist offering in this space; Alok Loomba is another notable individual here. October 2023 saw the team strengthening its lender-side agriculture, property, and real estate finance offering with the arrival of Sarah Willshire, previously at Burnetts.

Responsables de la pratique:

Jane Meikle


Autres avocats clés:

Sarah Willshire; David Ferguson; Alok Loomba


Les références

‘Pragmatic.’

‘Jane Meikle and her team are my go to people when it involves any dealings with our banking side of the business.’

Principaux clients

Lloyds Bank plc


National Westminster Bank plc


Atom Bank plc


AIB Group (UK) p.l.c.


Handelsbanken plc


Bank of Scotland plc


Royal Bank of Scotland plc


HSBC UK Bank plc


Mincoffs Solicitors LLP

Paul Hughes leads the banking and finance offering at Mincoffs Solicitors LLP, which leverages the firm’s corporate and real estate capabilities to provide a multidisciplinary offering with particular strength in advising on revolving credit facilities, institutional debt, and private equity raises. Luke Philpott left the team in August 2023.

Responsables de la pratique:

Paul Hughes


Les références

‘I can’t speak highly enough of Mincoffs and their knowledge of the sector, I would not hesitate to recommend them.’

‘The team is very approachable, extremely knowledgeable and very diligent. The Mincoffs team takes the time to understand legal requirements and provides practicable advice and solutions in a timely manner which are easy to understand.’

‘Mincoffs remains the most approachable and client-led firm in the region. It has sufficient depth and quality to maintain a high level of service throughout any standard transaction.’

Principaux clients

Mercia Fund Management


Oak North Bank


Reward Finance Group


Singha Estate


Arbatel Capital


The Inn Collection Group


EBAC Ltd


Cairn Hotel Group


Northern Bear PLC


ART Health Solutions


NEL Fund Managers


Amplyfi


Lugano Group


Rannagh Capital


Maven Capital Partners


Principaux dossiers


  • Advised Northern Bear plc on a refinance of its existing £3.5m facilities and a subsequent £1m extension to fund its share buyback programme.
  • Advised various funds managed by Maven Capital Partners on a number of debt and equity investments.
  • Advised Ascot Care on a multi-million pound loan facility with HSBC.

Swinburne Maddison LLP

Fielding a ‘highly skilled and knowledgeable’ team, the Durham-based banking and finance offering at Swinburne Maddison LLP sits within the firm’s corporate, commercial, and commercial property teams. Acting for major national and international banks, the team is led by Victoria Walton, a commercial property specialist with a focus on acquisitions, leases, and general real estate finance work; she is ably assisted by Charlotte Excell, who also advises on secured lending transactions.

Responsables de la pratique:

Victoria Walton


Autres avocats clés:

Charlotte Excell


Les références

‘Highly skilled and knowledgeable people who are easily accessible, friendly and personable.’

‘Victoria Walton has worked on several transactions I have been connected with. She has managed expectations and worked well to deadlines. Her knowledge and expertise have been shared in an easy-to-follow fashion. She is a pleasure to work with.’

‘My interactions with the firm and individuals have always proved to be professional, efficient, and knowledgeable in their areas of expertise.’

Principaux clients

Atom Bank Plc


Handelsbanken Plc


Esh Group


Barclays Bank Plc


NatWest


GB Bank


Principaux dossiers


  • Acting on behalf on Atom Bank plc in connection with 69 separate instructions over the course of the year with a cumulative lending total of over £27m.
  • Acting on behalf of Barclays Bank in relation to £1,2m finance to fund the acquisition of a pharmacy.
  • Acting on behalf of Handelsbanken in relation to the redemption of £4,5m of funding secured on a large office building.