Jon Lent is a partner in the Financial Services Practice and leads the real estate finance team in the UK, advising borrowers, listed and private funds, family offices and private equity investors – as well as banks, financial institutions, debt and credit funds and alternative lenders – on structured finance transactions secured on real estate and operational assets.

His work includes investment and development facilities for shopping centres, offices, industrial, logistics, high-end residential, holiday parks, co-living and PRS/BTR, and mixed-use portfolio transactions.

Jon is a market leader in hotel finance and development transactions, working closely with the firm's cross-disciplinary – and multijurisdictional – hospitality and leisure, corporate, property, tax and structuring, and other specialist teams, to deliver complex investment and development finance packages for lenders and borrowers for managed, franchised and owner-operated hotels, serviced apartments and other managed residences, as well as negotiating direct arrangements with hotel brands.

He advises borrowers and lenders on care home, learning disability, domiciliary care and specialist unit acquisitions and developments, on capital expenditure programmes, and on the financing and development of senior living, healthcare real assets and hospital assets. Jon is an EMEA lead of the firm’s Healthcare Group, and has particular expertise delivering the financing packages for substantial M&A and portfolio acquisitions, and negotiating priority arrangements and framework agreements between debt financiers, operators and landlords.

Jon acts for lenders and borrowers (with particular in-depth experience advising REITs) on the acquisition and development financing (including funding of forward funds) of campus, out-of-town and city student accommodation schemes, including purpose-built properties and portfolios, and on associated asset management, lease and nominations arrangements.

He has a long-standing practice advising banks, debt/credit funds and alternative credit providers on value-add, highly structured, and alternative financing arrangements. Jon has over many years advised some of the largest and most demanding investor groups, property companies, funds and asset managers, on acquisition, refinancing, capex and development projects secured on leased and operational real estate assets across numerous sectors.

He has particular expertise advising on complex commercial and residential development projects, including green and sustainability loan linked facilities and fundings of forward funds, on projects spanning logistics, industrial and retail; BTR/PRS, PBSA, co-living and other living arrangements; ground-up and high-spec hotel developments and redevelopments; and purpose-built sustainable healthcare projects.

He also advises on all aspects of senior and mezzanine financings, inter-creditor and upside arrangements, and has considerable experience acting on special situations distressed real estate, encompassing debt restructuring, distressed loan acquisitions, loan-on-loan and strategic loan-to-own.

He also has experience advising on international real estate transactions; fund finance; Islamic finance; loan trading; and loan-linked derivatives.

Jon has been listed as a leading finance lawyer in both Chambers UK and The Legal 500 UK.

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  • Advised the HC-One care group on £635 million facilities with Welltower Inc.
  • Advised HSBC on investment and development facilities for hotels, including the Lore Shoreditch (now One Hundred Shoreditch), Standard Camden, Mama Shelter Shoreditch, Edwardian Hampshire and The Londoner, Marriott West India Quay, Hilton Manchester Deansgate, Grecian, and the Langley and Wellesley Luxury Collection hotels, with associated direct arrangements.
  • Advised the M-Core group on investment and development facilities with HSBC, NatWest, Handelsbanken, Lloyds, Barclays, Santander and Aviva, aggregating well in excess of £1 billion, and substantial facilities in Germany and Poland.
  • Advised the JV partners on phases 1 and 2 of a multi-use c550 BTR PRS and c250,000-square-foot commercial development scheme in Berkshire, England, with senior funding from AIG and junior funding from Homes England, and senior financing from BentallGreenOak.
  • Advised a US PE investor on £150 million development facilities for a forward-funded flagship build-to-rent scheme in Manchester, with financing from private credit specialist Carlyle.
  • Advised specialist lender London Wall on a development and refurbishment facility for an ESG-focused office in Cardiff.
  • Advised a listed AIF on a fund-level NAV facility with a specialist fund-finance lender for European logistics asset purchases.
  • Advised a debt fund on the purchase of distressed real estate debt and the subsequent sale to a financed special purpose vehicle, for repositioning and stabilisation via consensual loan-to-own.
  • Advised GCP Student Living PLC on investment, redrawable and development facilities in excess of £500 million with Barclays, PGIM and Wells Fargo.


  • College of Law, Guildford, PGDLP, 2003
  • College of Law, Guildford, PGDL, 2002
  • University of Warwick, MMATH (first class), 2001


  • England and Wales, 2005

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