Real Estate Finance
Hong Kong real estate finance solicitors advising on mortgage transactions, developer financing, and property fund structures with 37+ years of experience.
Our Real Estate Finance Services
Mortgage Transactions
- Acting for lenders and borrowers on first and second mortgage transactions over residential, commercial, and industrial properties
- Preparing and reviewing legal charges, mortgage deeds, and related security documentation
- Advising on equitable mortgages and deposits of title deeds as security
- Handling mortgage registrations at the Hong Kong Land Registry
- Advising on HKMA guidelines and prudential requirements affecting mortgage lending
- Managing the discharge and release of mortgage security upon repayment
Developer Financing
- Advising developers on project finance facilities for residential and commercial developments
- Structuring security packages including charges over project land, shares, and receivables
- Preparing facility agreements, debentures, and inter-creditor arrangements
- Advising on drawdown conditions, cost overrun provisions, and completion guarantees
- Handling refinancing and restructuring of existing development facilities
- Coordinating with project consultants and quantity surveyors on monitoring arrangements
Property Acquisition Loans
- Acting for purchasers and lenders on financing for acquisition of investment properties and portfolios
- Advising on loan-to-value ratios, covenant packages, and security structures
- Preparing facility documentation and associated security instruments
- Handling due diligence on target properties and existing encumbrances
- Advising on the interaction between acquisition financing and stamp duty obligations
Mezzanine and Bridging Finance
- Structuring mezzanine finance facilities secured by subordinated charges or share pledges
- Advising on inter-creditor arrangements between senior and mezzanine lenders
- Preparing bridging loan documentation for time-sensitive acquisitions and developments
- Advising on priority arrangements, standstill provisions, and enforcement waterfalls
- Handling short-term finance facilities with conversion or refinancing mechanisms
- Advising on the regulatory treatment of mezzanine lending structures
Security Documentation and Enforcement
- Drafting and reviewing the full range of real estate security instruments including legal charges, equitable mortgages, assignments of rental income, and floating charges
- Advising on the creation, perfection, and registration of security interests
- Handling enforcement of security including mortgagee sale, appointment of receivers, and possession proceedings
- Advising on priorities between competing security interests
- Managing security reviews and amendments in connection with facility variations
Property Fund Financing
- Advising property fund managers and institutional investors on fund-level and asset-level financing
- Structuring leveraged acquisition facilities for property funds
- Preparing security packages tailored to fund structures including charges over SPV shares and property assets
- Advising on regulatory considerations including SFC licensing requirements for property fund managers
- Handling CSSA mortgage restrictions and their impact on property financing arrangements
- Coordinating with fund administrators and custodians on security arrangements
Our Approach
Transaction-Focused Efficiency
Balanced Lender-Borrower Perspective
Rigorous Security Analysis
Regulatory Awareness
