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Charlotte advises on all aspects of financing, acting for a wide range of international and domestic borrower and lender clients, often on complex cross-border transactions.

Charlotte works with both lenders and borrowers – including financial institutions, public and private companies, family offices, trustees and private individuals – on a broad range of banking and finance transactions, including high-value, syndicated, bilateral, secured and unsecured lending transactions. 

Charlotte has extensive experience in real estate finance transactions involving both residential and commercial property. She also has a particular interest in, and experience of, advising on Sharia-compliant finance transactions.

Charlotte also undertakes a significant amount of enforcement-related work, acting for lenders – including private banks – and advising them on enforcement options available to them with regard to corporate and individual insolvency. She also assists clients through the enforcement process, including through refinancings. 

She also has particular expertise in art finance, across transactional and enforcement matters, as well as in luxury asset finance. She often works closely with other teams within the firm to help meet the lending requirements of individuals and trustees.   

Work highlights

Multi-jurisdictional art and luxury asset financing and subsequent enforcement: advised an international special situation fund as lender on the negotiation, implementation and subsequent enforcement, litigation and partial settlement of $40 million loan made to a high-net-worth individual and secured against art, IP rights in art, classic cars, property and shares.

Development and acquisition financing: acted for a private bank on the amendment and restatement of a £150 million facility, incorporating an on-demand revolving credit facility, longer-term acquisition facilities, and mechanisms to allow for specific development tranches.

Acquisition financing: advised an ultra-high-net-worth individual on a £62 million financing to acquire a prime London office.

Islamic Finance: advised a number of private banks in relation to Sharia-compliant facilities secured on commercial and prime central London real estate properties.

Documentation projects: advised a number of financial institutions on the preparation of new template documentation for their regulated and unregulated mortgage products, including advising on LIBOR transition.

Memberships and affiliations

Member of the Art Lawyers Association

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