Natalie Singh

Natalie is a nationally recognised affordable housing finance lawyer and an acknowledged market leader. 

Natalie has extensive experience in advising housing providers on all aspects of their funding needs including syndicated and bi-lateral borrowing, capital market issues, ESG, green and sustainability-linked finance, intra group lending, hedging arrangements and security portfolio matters.  Natalie also provides strategic advice in relation to large scale restructurings, funding and treasury matters connected with mergers, treasury vehicle structures and group reorganisations.  

Natalie also sits as a Non Executive Director on the Board of Habitare Homes, a for profit registered provider established by MAN Group plc.

Natalie is described by clients as:  'One of the most proficient and professional people to deal with.  Always willing to give up her time to ensure the client gets the right service and [Natalie] stands out as an excellent adviser not only because she provides everything you would expect from a top flight professional lawyer in terms of great service, but also because she couples this with a lovely personal style.'

Legal directories include the following:  'Natalie Singh is very knowledgeable and great to work with, Chambers, 2024

Relevant Experience 

  • Advising Citizen Housing Group on its £280m public bond issue alongside advising on the restructure of its existing bank facilities to route borrowings via a treasury vehicle.  Subsequent to this advising on the funding aspects of the amalgamation of four group registered providers into one (Citizen Housing Group).
  • Advising Futures Housing Group on its debut £200m bond issue and associated refinance of its bank term debt.  Natalie also advised Futures on their £70m bond tap.
  • Advising EMH Group on its £150m bond tap and on the subsequent £50m sale of retained bonds on a deferred basis.
  • Advising EMH Group on its £370m refinancing including a refinance of £270m of bank facilities (to include £90m of new finance) and a sale of £100m of its retained bonds.
  • Advising West Kent Housing Association on its £399m refinancing package which includes new funding of £175m (including funding from Allied Irish Bank and THFC).  This exercise also included a harmonisation of financial covenants.
  • Advising Raven Housing Trust on its sustainability-linked funding package (including a £130m private placement, £145m of restructured and new debt from Lloyds Bank and a new £25m RCF from Barclays Bank plc).
  • Advising Thirteen Housing Group on its debut private placement.
  • Advising Southway Housing Trust on a sustainability-linked £120m private placement (one of the first such issuances in the social housing sector).
  • Advising Clwyd Alyn on its £250m debut bond issuance (the first by a Welsh RSL) and its subsequent £150m bond tap.
  • Walsall Housing Group – Advising on their debut £250m bond issuance and on the restructure of £120m of bank loan facilities.
  • Housing Plus Group – Advising on the funding aspects of two mergers, the establishment of a treasury vehicle funding structure (including a restructure of all existing borrowings) and on the subsequent funding aspects of a group collapse of three registered providers into one registered provider (Homes Plus).

Professional Qualifications

  • Solicitor of England & Wales (Qualified 2002)

Trowers & Hamlins welcomes sector expert Natalie Singh to its market-leading housing finance team


IPF Midlands: Energy transition for the real estate sector


Moda Angel Gardens and the rise of sustainability linked loans


Trowers partners appointed to key committees at the British Property Federation


Trowers advises on sale of Blackmore Vale Farm Cream Limited (BV Dairy)


Trowers advises Peabody on the establishment of its £1bn Medium Term Note Programme