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Joana Cardoso

Social Housing

Real Estate | London


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About Joana

Joana Cardoso works with UK social housing associations, providing advice and support on bank and capital markets debt, interest rate management, credit analysis, and stress testing. Joana supported the debut public bond issues for Bromford and Incommunities, as well as the launch of the sector-borrowing vehicle MORhomes. Prior to joining Chatham, Joana worked at S&P specialising in investment management client relationships. Joana is a CFA charterholder and received her degree in management and international business economics from the University of Manchester.


Case Study

£80M debut private placement for Two Rivers Housing

A case study of how Chatham advised Two Rivers on its refinancing, including a debut £80M private placement.
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  • Real Estate
  • UK Social Housing
  • Debt Management
  • Interest Rate Risk Management


  • Chartered Financial Analyst (CFA)

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Discover how we effectively manage and mitigate financial risk with advisory, process, and technology.