Rachel Luo is a senior associate in the Financial Services Practice Group, based in Sydney.

Dual-qualified in Australia and China, Rachel has experience advising on a range of banking and finance transactions, funds management and financial services regulation. She advises lenders (banks and non-bank lenders) and sponsors in a wide range of jurisdictions on acquisition and leverage finance, project finance, property finance, structured finance and general corporate finance.

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Banking and Finance
  • Acting on project and acquisition financing of power and other infrastructure assets, including thermal and renewable energy power plants and ports.
  • Acting on acquisition and leveraged financing, including the financing for the acquisition of a leading company in the mining, construction and energy industries.
  • Acting for developers, lenders and real estate investment funds on the financings of commercial property acquisitions and developments, including advising on green financing of a commercial property in Victoria.
  • Advising global commodity trading corporations on commodities finance and prepayment facilities.
  • Acting for borrowers and lenders on general corporate finance transactions.
  • Advising banks and non-bank lenders on sub-participation of syndicated facilities.
  • Advising global corporate groups on secured and unsecured intercompany loans and corporate debt restructure.
  • Advising various corporate suppliers on the Personal Property Securities Act 2009 (Cth) and retention of title arrangements.
Financial Services
  • Advising real estate investment funds in respect of trust operation and distribution.
  • Advising on regulatory issues in relation to financial products, financial markets and the provision of financial services.
  • Advising on licensing and data reporting obligations under Australian financial services laws.
  • Advising on contractual arrangements with custodians, trustees and investment managers.
  • Advising on registration as a foreign company in Australia, foreign investments, consumer credit and AML/CTF laws.
  • Advising Web3 services platforms in respect of the issue of tokens and Restricted Token Units.
  • Advising corporate groups on deeds of cross guarantee.
  • Advising charity trusts on change of funding purposes.


  • College of Law, GDLP, 2019
  • University of Sydney, J.D., 2018
  • Beijing Foreign Studies University, LL.B., 2016


  • Supreme Court of New South Wales, 2019
  • People's Republic of China, 2016


  • English
  • Mandarin
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