Toby Joy

Senior associate | London


Client services contact Pam Taaffe

Toby is a senior associate in the banking and finance team. 

Toby is dual qualified in England and Wales and the British Virgin Islands. He is a banking and finance specialist, acting for both lenders and borrowers in a range of areas, including property finance (development and investment), general corporate lending and aviation and yacht finance.  His clients include banks, family offices, sports teams, developers, hotels, trustees and ultra-high net worth individuals.  Toby has acted on transactions involving a range of assets classes from hotels, high-end residential properties, industrial estates, private and commercial jets, yachts, landed estates and art to care homes and motorsport teams (and everything in between!).

Toby has been at the firm for over eleven years, during which time has built close working relationships with its various practice areas, including Real Estate, Construction, Corporate, Private Client and Tax.  Toby also works regularly with the firm's Family team structuring security for lump sums in the context of divorces.  

As a qualified pilot, Toby has a particular interest in aviation and flies most weekends.

Track record

Acting for a motorsports team

Acting for a motorsports team on multiple financings, including most recently to develop its factory facility.

Hotel acquisition

Advising on financing the acquisition of a 4* hotel and spa.

Formula One

Advising on all finance aspects of Renault Sport SAS's acquisition of the Lotus Formula One team.

Care home

Acting for a care home provider in a £24m refinancing of its residential care home portfolio.

Hotel refinancing

Acting for a Malaysian bank on its refinancing of two London hotels.

State Bank of India loan facility

Advising State Bank of India in a £300 million loan facility for the acquisition of The Old War Office, 57 Whitehall, London. The landmark property, located in the heart of Westminster, was acquired by The Hinduja Group in partnership with Spanish development company Obrascon Huarte Lain Desarrollos. The site has been converted into a luxury hotel.

Luxembourg fund borrowing

Acting for a family office borrowing £21 million from a Luxembourg fund for the development of a substantial commercial building in North London into flats, including negotiating a private equity style profit sharing agreement.

Boeing Business Jet refinancing

Acting on a refinancing of a Boeing Business Jet for an ultra-high net worth client with a major European bank

Admissions

  • England and Wales, 2014
  • British Virgin Islands, 2022

Education

  • Keble College, Oxford, MA (Oxon) in German and Linguistics
  • University of Law, LLB (Hons)

Languages

  • English
  • German

Key dates

  • Year joined: 2012