Rowena Downie

Senior Associate

Rowena Dowie Hugh James Solicitors
Department telephone
029 2039 1038

Rowena works primarily on banking and debt finance matters, together with some corporate finance work.

Her main clients are commercial lenders including Santander, RBS, NatWest , Metro Bank, HSBC and Lloyds Bank. She also frequently advise the Welsh Government and Finance Wales on debt investments.

Rowena also works in the team which advises Santander and Metro Bank advising on loan and security documentation for secured commercial lending transactions up to £2.5m on matters across England and Wales.


  • Real estate finance
  • Acquisition finance
  • Renewables finance
  • Development finance

Career history

  • Trained at Hammonds LLP (London) 2008 – 2010
  • K&L Gates LLP: 2011
  • Joined Hugh James: 2011
  • Associate at Hugh James: 2014
  • Senior associate at Hugh James: 2016


  • Advised London based WSM Communications Group on the sale of two of its businesses to Porta Communications, the AIM quoted international marketing and communications business.
  • Advising the  Welsh Government on several multi-million loan facilities providing support to local businesses
  • Advising a high-tech company based in Wales on £6m loan note issue
  • Advising Santander on £1.95m loan in connection with the Circuit of Wales development
  • Advising Finance Wales  on  £1.15m loan from for a wind turbine development
  • Advising HSBC as senior lender on £1.8m loan for purchase of business premises involving other secured lenders and extensive intercreditor negotiations
  • Advising senior lender on £1.25 loan for finance of an MBO, including intercreditor issues with private equity investors

Rowena is well respected for her banking and debt finance experience. “Her greatest strength is her technical knowledge.”
Chambers UK 2018

Senior associate Rowena Downie is also recommended for her ‘excellent real estate finance work’.
Legal 500 2017


  • College of Law, Moorgate (LPC)  2007-2008
  • College of Law, Bloomsbury (GDL )  2006-2007
  • Imperial College London (Chemistry)  2002-2006


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