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Laytons' banking practice includes both acting for banks (whether UK or from other jurisdictions) and for a wide variety of businesses and individuals using banking services. We advise on taking and perfecting security (including charges, mortgages, pledges and liens), loan agreements, registration of company charges, facility letters, credit agreements, guarantees, factoring, invoice discounting, hire purchase agreements, leases and other asset finance agreements.

Lending and Security

  • Loan agreements, facility letters and other documentation of loans, both secured and unsecured, whether in sterling or other currency
  • Preparation and perfection of security documentation of all kinds, including guarantees and debentures and other security documents
  • Banking opinions in international transactions
  • Trade finance documentation
  • Consumer credit
  • Factoring
  • Equipment finance including finance of ships and aircraft

Property Finance

  • Secured lending
  • Development finance
  • Regulated mortgage lending
  • Mezzanine finance for residential development


  • Advice to lenders on recoveries including realisation of security and the appointment of administrators and receivers
  • Disputes arising from a variety of financial agreements and contracts, including loan agreements and guarantee and security issues
  • Tracing, preservation and recovery of assets
  • Disputes arising out of cheques, bills of exchange, promissory notes and other instruments
  • A specialist Property Recovery Service aimed at banks wishing to dispose of distressed property


  • Developing precedent and template documents for banks
  • Bank group restructuring work
  • Islamic banking


Andrew Gosnay
Tel:  +44 (0) 20 7842 8000
Fax: +44 (0) 20 7842 8080