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Matthew Howling

Principal Associate

What can I do for you

Matthew is a specialist in banking and finance law, with a particular emphasis on the not-for-profit sector. He advises lenders and borrowers on all aspects of debt finance. In recent years, Matthew has been at the forefront of advising not-for-profit entities on public bond issues, private placements and traditional bank facilities.

Supporting your ambitions

Matthew recently advised the University of Cambridge on its £600m public bond issue. Although the University had issued £350m of bonds in 2012 (on which Mills & Reeve also advised), we were advising an entirely new team at the University, none of the senior members of which were involved in the original transaction. Working closely with the Interim Head of Legal, Director of Finance and Chief Operating Officer, we were able to guide the University through the prospectus disclosure and authorisation process, at a time when an entirely new regulatory framework was being introduced for UK higher education.

What do others say

Matthew recently advised the University of Sussex on its £100m private placement. The Director of Finance said: "thanks for your unstinting support over the transaction. I have always felt the benefit of your experience and cool and thorough counsel through the process which has been reassuring and positive throughout."

What else should you know

Matthew speaks fluent French and was recently seconded to FIDAL, the largest law firm in France and our preferred supplier of French legal services.

What our clients say about us

  • I think Mills & Reeve are a wonderful firm. The support they have provided to us in a really difficult area has been brilliant, collaborative and commercially minded. The team were absolutely wonderful and a joy to work with. Amazing advice and support and a real collaborative effort with us. I can't thank them enough for getting us through some really tough times and doing so with an amazing can-do attitude.
  • They are friendly, fast, always available and always on top of the game. I tend to judge my legal team against the other side's legal team and never doubt Mills & Reeve is the better of the two.
  • All interactions have been very clear. Responses to questions have always been very swift and unambiguous. Our company, and my family, have used various services in Mills & Reeve with the same level of satisfaction.
  • I value the fact that Mills & Reeve are recognised as a good place to work in the UK Best Companies survey. This aligns with the values of our business and means that Mills & Reeve can share what is required to achieve this status with our business.

As many clients will testify, too many lawyers deliver the required legal expertise but fail to deliver an outstanding client experience. Which is why we always listen to our clients and constantly ask ourselves what we can do to deliver the results you expect.

You expect a close and attentive working relationship, with a lawyer that is responsive and available when you need them. You also want clear, pragmatic and commercial advice tailored to your needs, and transparency and certainty on costs. We completely agree. That’s why every day, through our culture and approach we are committed to delivering the exceptional results and service our clients expect of us.

Related sectors and services

  • Finance
  • Charities and social enterprise
  • Education
  • Higher education and research
  • Health and care
  • University financial resilience
  • Sustainable finance