Kate Lane

Partner - Banking and Finance

Kate is a highly experienced banking and finance lawyer who provides specialist advice to financiers, borrowers, and other market participants.  Kate advises across a broad range of areas, from institutional finance to consumer finance.

Her clients include all of New Zealand’s major banks, a variety of listed and other major companies, investment banks, and other financial institutions.  Clients value Kate’s combination of legal technical excellence and commercial understanding of their complex financing needs.  This includes expertise in asset, corporate and acquisition finance, securitisation and receivables finance, derivatives, syndicated lending, and debt capital markets transactions.

Kate enjoys working with clients on critical and reputational matters, large and complex deals, and “New Zealand firsts” such as this country’s first environmental, social and governance (ESG) loan and its first social loan.  She has a particular personal interest in ESG finance.

Kate also specialises in advising financial institutions on compliance and risk issues and achievement of good customer outcomes.  She understands the complexities of bank systems and frameworks and has significant experience of managing change projects within the finance industry.  This is informed by her deep understanding of New Zealand’s banking legislation and regulatory framework.  Her expertise includes the Personal Properties Securities Act (PPSA), Credit Contracts and Consumer Finance Act (CCCFA) (including the Responsible Lending Code), Fair Trading Act (FTA), Financial Markets Conduct Act (FMCA), Reserve Bank of New Zealand Act, and the Reserve Bank’s BS11 Outsourcing Policy.

Recognised in all key international directories as a leader in her field, Kate is considered a trusted adviser by clients.  As one client says: “Kate Lane stands out as someone who has a real interest in understanding the commercial drivers behind any piece of work and is quickly able to combine that understanding with her obvious legal expertise to drive an efficient result. With any piece of work, Kate will always consider the broader legal implications for our business and flag these, making her a valuable adviser for our business.’ – The Legal 500 Asia Pacific 2022.

 Kate was named as an IFLR1000 Women Leader for 2021 and 2022 and is the only New Zealander listed for banking and finance in the Expert Guides: Women in Business Law directory.  In her role as an advisory board member to ArcAngels, a platform dedicated to connecting female entrepreneurs to investors, Kate is actively involved in promoting women and diversity in business.

She has international experience through five years in the banking and finance team at Clifford Chance in London.

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Professional background

Recent work

Major refinancing

Trusted adviser to Mediaworks including supporting it with a refinance of its loan facilities and various mergers and acquisitions including the merger with QMS Media.

CCCFA compliance

Advising major banks on significant regulatory and compliance projects relating to their consumer lending (including home loans).  Role has included reviewing and modernising banks’ policies, processes, systems, and controls and providing extensive advice on complex compliance and risk matters.

Tourism Holdings Limited merger with Apollo

Advising Tourism Holdings Limited (NZX:thl) on the banking and finance aspects of its recent entry into a Scheme Implementation Deed to merge with Apollo Tourism and Leisure Limited (ASX:ATL) through an Australian Scheme of Arrangement.  This is the first takeover of an ASX listed company by a NZX listed company by way of a Scheme of Arrangement.

Unfair contract terms

Advising a variety of banks and other financial institutions on their significant change projects as a result of the extension of the unfair contract terms regime in the Fair Trading Act 1986 to small business contracts.  This is the most fundamental change to finance contracts in a generation.

New Zealand’s first ESG Loan

Acting for Synlait Milk Limited and its related entities in connection with its entry into an Environmental, Social and Governance (ESG) linked loan with ANZ Bank New Zealand Limited.  This was the first ESG loan in New Zealand. Our role involved advising Synlait on the terms relating to the ESG arrangement and documenting the ESG mechanics.


  • 1999, England and Wales
  • 1994, New Zealand


  • LLB (Hons), University of Otago


  • Member, Institute of Finance Professionals New Zealand Inc (INFINZ)
  • Advisory board member, ArcAngels


  • Asset Finance
  • Aviation
  • Banking Regulation
  • Corporate Finance
  • Debt Capital Markets
  • Derivatives
  • Securitisation
  • Structured Finance
  • Sustainable Finance
  • Syndicated Lending


  • Ranked as a leading Banking and Finance lawyer, Chambers Asia-Pacific
  • Ranked as a Leading Individual – Banking and Finance, The Legal 500 Asia Pacific
  • Ranked as Highly Regarded – Banking, IFLR1000
  • Recognised by Expert Guides: Women in Business Law directory (the only New Zealander listed for Banking and Finance)
  • Named as an IFLR1000 Women Leader for 2021 and 2022, the elite cohort of leading female transactional experts
  • Recognised for Banking and Finance Law and Structured Finance Law, Best Lawyers
  • Recognised for Banking and Finance and Structured Finance and Securitisation by Expert Guides: Banking, Finance and Transactional Law directory
  • Recognised as a Global Leader in Banking - Finance and Transport – Aviation Finance, Who’s Who Legal
  • Recognised as a National Leader (Australia and New Zealand) in Banking and Aviation, Who’s Who Legal
  • Partner in Banking and Finance team, ranked Tier 1 by The Legal 500 Asia Pacific