Practice Areas

Introduction

At Zharif Nizamuddin, we understand that financing and property transactions are often critical milestones in a business or individual’s journey. Whether it involves securing funding for growth, acquiring strategic assets, refinancing existing facilities, or completing complex real estate transactions, clients require practical legal advisors who can balance commercial objectives with regulatory and transactional requirements.

Our Banking, Finance & Real Estate Practice Group advises financial institutions, private lenders, corporations, investors, property developers, high-net-worth individuals and family offices on a broad range of financing and real estate matters. We work closely with clients to structure transactions that are commercially viable, legally robust and aligned with their long-term objectives.

Drawing on the Firm’s extensive experience in corporate commercial transactions, private capital, private wealth and dispute resolution, we provide integrated solutions that consider not only the transaction itself, but also the broader commercial, regulatory and risk implications.

The Practice Group is led by Khairunnisa Khalid, a Partner of the Firm with extensive experience in banking documentation, security arrangements, property transactions, refinancing exercises and real estate advisory matters. Supported by a dedicated team of lawyers and conveyancing professionals, the Practice Group delivers efficient, practical and commercially focused solutions across the full spectrum of banking and real estate transactions.

Our Areas of Expertise

Banking and Financing

We advise lenders, borrowers and investors across a broad range of financing transactions, including:

• Conventional and Islamic financing facilities
• Corporate and commercial lending
• Acquisition and leveraged financing
• Project and infrastructure financing
• Venture debt and alternative financing structures
• Shareholder and shareholder-backed financing
• Asset-backed financing
• Refinancing and restructuring exercises
• Intercreditor and security sharing arrangements
• Trade and working capital facilities
• Personal and private banking transactions

Security and Collateral Arrangements

Our team regularly advises on the creation, perfection and enforcement of security interests, including:

• Debentures
• Fixed and floating charges
• Charges over shares and securities
• Assignments of receivables and contractual rights
• Corporate and personal guarantees
• Security trust arrangements
• Security packages for syndicated facilities
• Security reviews and due diligence

Real Estate and Conveyancing

We provide comprehensive advice across all stages of real estate ownership and investment, including:

• Residential property acquisitions and disposals
• Commercial and industrial property transactions
• Development and project land acquisitions
• Agricultural and plantation land transactions
• Lease and tenancy arrangements
• Build-to-suit and development agreements
• Property refinancing
• Perfection of transfer and charge
• Estate administration involving real property
• Cross-border property acquisitions

Private Clients and Wealth-Related Property Structuring

Working closely with our Private Clients Practice Group, we assist clients in:

• Family wealth and property succession planning
• Property holding structures
• Trust and foundation-related real estate arrangements
• Asset protection strategies
• Family office real estate investments
• Multi-jurisdictional property ownership structures

Notable Transactions

Banking and Finance

• Advised on the structuring and documentation of a Shariah-compliant Murabahah financing facility for the enhancement and upgrading of renewable energy infrastructure in Malaysia.
• Represented a Private Equity Management Corporation in the establishment and structuring of a venture debt fund under Malaysia’s Penjana Kapital initiative, including regulatory and financing documentation.
• Advised private investors and high-net-worth individuals on secured investment structures involving equity, debt instruments and security packages across multiple sectors.
• Assisted corporate clients in reviewing and negotiating financing arrangements, security documentation and guarantees in connection with acquisitions, investments and growth capital requirements.

Real Estate

• Represented a client in the alienation of substantial land parcels with an estimated value exceeding RM237 million in Mukim Batu, Kuala Lumpur for a mixed development project.
• Prepared and negotiated transaction documents for the acquisition of commercial, industrial and agricultural properties with an aggregate value exceeding RM12 million.
• Reviewed and advised on land lease arrangements relating to the development and operation of a large-scale solar photovoltaic project in Kuala Terengganu.
• Assisted clients in negotiating and documenting joint venture and development arrangements involving multiple land parcels and property development projects.
• Advised high-net-worth individuals and family structures on property acquisitions, asset holding arrangements and succession planning involving significant real estate portfolios.