Patrick Keown

Expertise Patrick Advises Experience Highlights Career History

Partner

Banking and Finance / Real Estate and Property

+44 (0)7944 741465

Expertise

Patrick is a senior banking and finance lawyer with more than 25 years’ experience advising lenders, institutional investors, corporates and real estate-sector borrowers on complex debt finance transactions.

He helps clients structure, negotiate and complete finance arrangements across corporate and acquisition finance, real estate investment and development finance, asset-based lending, receivables finance, securitisation, refinancing, restructuring, enforcement and corporate reorganisations.

Patrick is particularly experienced in transactions involving complex security packages, intercreditor arrangements, cross-border elements, time-critical execution and coordination with multidisciplinary adviser teams.

In addition to mainstream lender and borrower-side finance work, Patrick has a strong track record advising charities, faith-based organisations, social enterprises, housing associations, care providers and other purpose-led organisations on funding, refinancing and governance-sensitive matters.

Having held senior partner and banking and finance leadership roles, he brings both board-level perspective and hands-on transaction experience to his work.

Areas of expertise:

  • Corporate, acquisition, leveraged and investment-grade finance
  • Real estate investment, development and purpose-built student accommodation finance
  • Refinancing, restructuring, enforcement, security reviews and intercreditor issues
  • Asset-based lending, receivables finance, securitisation and specialist funding structures
  • Funding for charities, faith-based organisations, social enterprises, housing associations and care providers

 

Patrick Advises

Patrick’s sector experience includes real estate investment and development, purpose-built student accommodation, healthcare and care homes, charities, faith-based organisations, social enterprise, fine art and the creative industries, hospitality, sport and leisure, minerals and natural resources, technology, consumer finance, self-storage, restaurants, wine distribution and advertising.

  • Banks, challenger banks, specialist lenders, institutional investors and asset-based lenders
  • Listed companies, privately owned corporates, sponsors, investors, joint ventures and portfolio companies
  • Boards, business owners, finance directors, in-house legal teams and management teams
  • Real estate investors, developers, operators and other property-sector borrowers
  • Charities, faith-based organisations, social enterprises, housing associations and care-home operators

Experience Highlights

  • Advised AIM-quoted SigmaRoc plc on €875m debt facilities arranged by BNP Paribas and Banco Santander to part-fund its approximately €1bn acquisition of CRH plc’s European lime businesses, involving quarrying and lime-production businesses across several European jurisdictions.
  • Advised the English subsidiary of an international technology group on debt facilities exceeding US$1bn.
  • Advised on the £172m restructuring of a mixed-use development loan, including complex security and intercreditor issues.
  • Advised on the £159m refinancing of a regional purpose-built student accommodation portfolio.
  • Advised on the £112m refinancing of a care-home portfolio across England and Scotland.
  • Advised HomeNow on a £65m funding line to support the planned delivery of more than 800 affordable rent-to-own homes.
  • Advised Goodwin Properties on the refinancing of five purpose-built student accommodation assets in Nottingham, Loughborough, Guildford, Colchester and Sheffield.
  • Advised a UK developer and international investment manager on the refinancing of three substantial purpose-built student accommodation assets in England.
  • Advised the Rugby Football Union in connection with its funding lines.
  • Advised Peterborough United Football Club in connection with its funding lines.
  • Advised a UK bank on a portfolio of secured financings across the fine-art and creative industries, restaurant, wine-distribution, self-storage and advertising sectors.
  • Advised a leading social lender on club financings for housing associations, charities and care-home operators, including refinancing and development facilities.

Career History

Previous Law Firms

  • Howard Kennedy LLP — Partner and Head of Banking & Real Estate Finance, May 2022 – March 2026
  • Bates Wells Braithwaite LLP — Partner and Head of Banking & Finance, May 2015 – May 2022
  • Freeths LLP — Partner, December 2013 – January 2015
  • Hill Dickinson LLP — Partner, October 2006 – October 2013
  • Addleshaw Goddard LLP — Associate, September 2000 – October 2006

Memberships

  • Law Society of England and Wales

Education

  • Solicitor, England and Wales, admitted September 2002
  • Diploma in Legal Practice, Distinction, De Montfort University, 1999–2000
  • LLB (Hons) Law, 2:1, University of Liverpool

Expertise

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Patrick is a senior banking and finance lawyer with more than 25 years’ experience advising lenders, institutional investors, corporates and real estate-sector borrowers on complex debt finance transactions.

He helps clients structure, negotiate and complete finance arrangements across corporate and acquisition finance, real estate investment and development finance, asset-based lending, receivables finance, securitisation, refinancing, restructuring, enforcement and corporate reorganisations.

Patrick is particularly experienced in transactions involving complex security packages, intercreditor arrangements, cross-border elements, time-critical execution and coordination with multidisciplinary adviser teams.

In addition to mainstream lender and borrower-side finance work, Patrick has a strong track record advising charities, faith-based organisations, social enterprises, housing associations, care providers and other purpose-led organisations on funding, refinancing and governance-sensitive matters.

Having held senior partner and banking and finance leadership roles, he brings both board-level perspective and hands-on transaction experience to his work.

Areas of expertise:

  • Corporate, acquisition, leveraged and investment-grade finance
  • Real estate investment, development and purpose-built student accommodation finance
  • Refinancing, restructuring, enforcement, security reviews and intercreditor issues
  • Asset-based lending, receivables finance, securitisation and specialist funding structures
  • Funding for charities, faith-based organisations, social enterprises, housing associations and care providers

 

Patrick Advises

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Patrick’s sector experience includes real estate investment and development, purpose-built student accommodation, healthcare and care homes, charities, faith-based organisations, social enterprise, fine art and the creative industries, hospitality, sport and leisure, minerals and natural resources, technology, consumer finance, self-storage, restaurants, wine distribution and advertising.

  • Banks, challenger banks, specialist lenders, institutional investors and asset-based lenders
  • Listed companies, privately owned corporates, sponsors, investors, joint ventures and portfolio companies
  • Boards, business owners, finance directors, in-house legal teams and management teams
  • Real estate investors, developers, operators and other property-sector borrowers
  • Charities, faith-based organisations, social enterprises, housing associations and care-home operators

Experience Highlights

Back to top
  • Advised AIM-quoted SigmaRoc plc on €875m debt facilities arranged by BNP Paribas and Banco Santander to part-fund its approximately €1bn acquisition of CRH plc’s European lime businesses, involving quarrying and lime-production businesses across several European jurisdictions.
  • Advised the English subsidiary of an international technology group on debt facilities exceeding US$1bn.
  • Advised on the £172m restructuring of a mixed-use development loan, including complex security and intercreditor issues.
  • Advised on the £159m refinancing of a regional purpose-built student accommodation portfolio.
  • Advised on the £112m refinancing of a care-home portfolio across England and Scotland.
  • Advised HomeNow on a £65m funding line to support the planned delivery of more than 800 affordable rent-to-own homes.
  • Advised Goodwin Properties on the refinancing of five purpose-built student accommodation assets in Nottingham, Loughborough, Guildford, Colchester and Sheffield.
  • Advised a UK developer and international investment manager on the refinancing of three substantial purpose-built student accommodation assets in England.
  • Advised the Rugby Football Union in connection with its funding lines.
  • Advised Peterborough United Football Club in connection with its funding lines.
  • Advised a UK bank on a portfolio of secured financings across the fine-art and creative industries, restaurant, wine-distribution, self-storage and advertising sectors.
  • Advised a leading social lender on club financings for housing associations, charities and care-home operators, including refinancing and development facilities.

Career History

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Previous Law Firms

  • Howard Kennedy LLP — Partner and Head of Banking & Real Estate Finance, May 2022 – March 2026
  • Bates Wells Braithwaite LLP — Partner and Head of Banking & Finance, May 2015 – May 2022
  • Freeths LLP — Partner, December 2013 – January 2015
  • Hill Dickinson LLP — Partner, October 2006 – October 2013
  • Addleshaw Goddard LLP — Associate, September 2000 – October 2006

Memberships

  • Law Society of England and Wales

Education

  • Solicitor, England and Wales, admitted September 2002
  • Diploma in Legal Practice, Distinction, De Montfort University, 1999–2000
  • LLB (Hons) Law, 2:1, University of Liverpool