Commercial Law

The following case studies are based on clients' specific circumstances and should not be viewed as advice. Please seek independent financial advice before embarking on a course of action.

Business Protection

Gareth recently arranged a mortgage for a business client who was a 50% owner in a local light engineering firm. During the fact find he discovered that other than the life cover being arranged to protect the mortgage there was nothing in place to secure the interests of his family and co-owner if he were to be seriously ill or to die. In conjunction with the company Solicitors and Accountants a meeting was arranged to discuss the best way to protect everyone involved, both financially and within the terms of the company's Articles of Association. This was particularly important as his wife had no desire to be actively involved in the company and would possibly sell her shares if he died. By providing suitable protection this would enable the remaining co-owner to purchase the shares, at the market price, without any personal financial commitment.

Commercial Finance

Mr and Mrs K were existing clients and hoped to purchase an agricultural property to set up as poultry farmers. Through our extensive commercial finance and banking connections, we were able to secure them a competitive mortgage, with additional working capital to minimise their initial outlay.

The Financial Services Authority does not regulate commercial finance.