A picture of Financial Services solicitor Sam Payne

Financial Services

Finance is the common thread running through all businesses. Without it, no business plan can become a reality and the right kind of finance can support growth and expansion. But it can also prove a major stumbling block when it’s at the root of disputes or legal challenges.

Key contact

Clare Day

I am Head of the Real Estate Finance team and also the Financial Services Sector. I guide my clients, lenders and borrowers through all stages of financing, bringing high-end solutions within often tight timeframes. I regularly advise high street banks, challenger banks, bridging funders and borrowers on an array of matters.

Meet the team

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Keeping you one step ahead

The financial services sector is a complex and highly regulated area. Understanding your obligations and the options available to you is critical to avoid sanctions and to keep transactions moving.

Our team is highly experienced, working on deals from a few hundred thousand pounds to £50m plus. Many have trained or worked at city firms, and we understand the funding landscape. We get deals done with your risk profile in mind, keeping your customer happy and delivering on time and on budget.

Should you find yourself being investigated or having a claim made against you, we will guide you the process, making sure you comply with statutory requirements and supporting you if you are subject to an investigation or subsequent prosecution.

Expert financial advice

Our lawyers are experts in a number of areas including:

  • Banking – advising on all types of loans and funding structures, loan agreements and security
  • Real estate – supporting portfolio refinancing, retail and leisure projects and both residential and commercial developments
  • Insolvency and restructuring – advising on appointing insolvency practitioners (IPs), acting for IPs in the sale or administration of a business and pursuing breaches on behalf of lenders and IPs.

If you’re looking to buy or sell a regulated business, we will support throughout, keeping you compliant and driving the deal forward to completion.

Solicitors at a desk

Our clients

We provide expert advice to companies and directors, so you are always on the right side of the regulations.

We act for clearing and private banks, building societies, specialist lenders and corporate and individual borrowers. With our experience of working with lenders and borrowers on a variety of banking transactions, we understand how to help our clients navigate through a range of complex legal issues with positive results.

Our team also acts for a range of financial services clients, from start-ups to large corporate groups, financial advisers, credit brokers, funeral plan providers, insurance intermediaries and fintechs. We also advise in house legal teams and help them to navigate through the financial services regulations to mitigate risk.

We’re committed, tenacious and entrepreneurial, with a keen eye on the detail. In a competitive and highly regulated environment such as financial services, you’ll want our expert team by your side.

Legal updates and thought leadership

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Hear what our clients say about us

Clare Day and Tom Matthews were quick to act when Mr and Mrs Griffiths wanted to buy a new property. They turned to them for expertise and advice in both real estate and financial services. Clare and Tom’s tenacity and know-how led to a smooth completion for their client. Following the transaction, Mr Griffiths said:

“I cannot recommend Clare Day, Tom Matthews and HCR enough. They were absolutely fantastic from start to finish in quite a complicated and complex purchase. They kept me updated on an almost daily basis and explained everything in a simple to understand manner.

“They went above and beyond – including both of them working on days off to achieve a completion as soon as possible for us. I would not hesitate in recommending them to anyone and very much look forward to working with them in future.”

Tenacity and hard work leads to property completion and high praise

Really pleased to have completed on further residential development transactions with HCR Law acting on behalf of the lender on a number of cases. As a broker, it makes such a difference when you can advise the client, with complete confidence, that it won’t be the lenders’ solicitor delaying their completion – and all without having to pay extortionate rates too. A big thank you to both Clare Day and HCR, and looking forward to working with you again in the near future.

Broker Blaise Commercial Finance

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