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Overview

Our cross-disciplinary team advises private banks and wealth advisers on the array of services provided to their customers including lending, cross border provision of trust and banking services, international trust product development, tax-product and tax-reputational advice, efficient offshore structures, European real estate and financial products and services.

We also advise HNW and UHNW individuals and their trusts and family offices on the structuring and financing of worldwide transactions.

Our expert lawyers provide a fully integrated service working closely with other practice areas, in particular the corporate, real estate, tax and private client services teams to provide a single piece of tailored advice.

Our funds and financial regulation team advises FCA and dual regulated wealth advisers on all regulatory aspects of their businesses.

Areas of focus

Our expertise in private banking includes the following:

  • Bank lending to trusts, private individuals and corporate entities, including for the purposes of financing real estate acquisitions and large ticket assets such as yachts and business jets.
  • International trust product development.
  • Tax-product opinions and tax reputational advice.
  • Advice on efficient offshore structures.
  • European real estate structuring.
  • Training to various covering legal and regulatory updates and advice on transaction management and avoiding pitfalls in security and loan documentation.

Our expertise advising wealth advisers includes the following:

  • Drafting and negotiating client documentation.
  • Advising on the development of new investment products and services (such as the establishment of pooled investment vehicles).
  • Advising on all aspects of regulatory compliance including assisting on complex applications to regulators and other regulatory processes and procedures.
Experience

Advising banks on the revision of mortgage documentation for secured lending to HNWI's, their companies or trusts to ensure MCOB compliance, and review of Consumer Credit Act regulated documentation.

Creating private trust company structures for Middle Eastern, European and Latin American clients.

Advising banking client on portfolio of over 100 non-UK real estate transactions in jurisdictions including France, Spain, Portugal, Italy and Croatia.

Advising a global private bank on the establishment of an investment portfolio for a widely held umbrella open-ended investment company with five sub-funds.

Providing detailed advice and a tax opinion to an international private bank in relation to investment products being a new stream of preference shares in an offshore company to act as a wrapper for structured note and other derivative products.

Advising banks, individuals and family offices in relation to multi-jurisdictional corporate jet and luxury yacht sales and financings.

Acting for a UHNW family business behind an ethical organic beauty brand in respect of extendable working capital facilities.

Advising corporate trusts on guarantee arrangements for US $75 million bridging facility and a US $18 million facility provided to UHNWIs' family businesses.

Advising on the development of new investment products and services for St. James’s Place and Sarasin & Partners.

Our specialist financial services disputes and enforcement team advises numerous major financial services providers – including Bank of Ireland, Nationwide, Handelsbanken and Openwork – on financial services disputes, regulatory investigations and anti-money laundering/terrorist financing.

Advising a global private bank in respect of a complex series of loans to assist an UHNW to acquire high value property located in the UK with a multi-jurisdictional security package.

Advising a global private bank of potential enforcement options for a security package granted by a corporate trustee over property held in the UK.

Acting for a large number of private banks on joint instructions with buyer or borrower clients including Kleinwort Benson (Channel Islands) Limited, C. Hoare & Co, Julian Hodge Bank, Weatherbys Bank and Coutts to finance real estate.

Meet the team
Racheal Ruane

Rachael Ruane Partner

  • Corporate Banking
  • Real Estate Finance
  • Asset Finance and Asset Backed Lending
John Barnett

John Barnett Partner

  • Head of Private Client Services
  • Head of Partnerships
  • Tax
Suzanna Harvey

Suzanna Harvey Partner

  • Private Client Services
  • International Tax
  • International Trusts
Beatrice Puoti

Beatrice Puoti Partner

  • Head of Private Wealth
  • Private Client Services
  • International Tax and Trust
Jim Aveline

Jim Aveline Partner

  • Private Client Services
  • Family Offices and Family Businesses
  • Food and Farming
Sarah Woodsford

Sarah Hoskinson (Woodsford) Partner

  • Family Law and Divorce
  • Private Client Services
  • Private Wealth
Richard Leeming

Richard Leeming Partner

  • Banking and Trade Finance
  • Derivatives, Debt Capital Markets and Securitisations
  • Real Estate Finance
Patrick Cook

Patrick Cook Partner

  • Banking
  • Business Transformation
  • Corporate
Tom Hewitt

Tom Hewitt Partner

  • Private Wealth
  • Head of Estates and Land
  • Head of Food and Farming
Graham Soar

Graham Soar Partner

  • Banking
  • Derivatives, Debt Capital Markets and Securitisations
  • Project Finance
Justin Briggs

Justin Briggs Partner

  • Pensions Disputes
  • Trustees and Trust Companies
  • Professional Negligence
Tom Dunn

Tom Dunn Partner

  • Head of Funds and Financial Regulation
  • Regulated Funds
  • Financial Services
Kevin Kennedy

Kevin Kennedy Partner

  • Agricultural Disputes
  • Trust and Probate Disputes
  • Estates and Land
Sian Edmunds

Sian Edmunds Partner

  • Food and Farming
  • Food and Drink
  • Estates and Land

Key contact

Racheal Ruane

Rachael Ruane Partner

  • Corporate Banking
  • Real Estate Finance
  • Asset Finance and Asset Backed Lending
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