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Clarke Willmott LLP

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Wales: Finance

Banking and finance
Banking and finance - ranked: tier 3

Clarke Willmott LLP

Led by the 'calm and experienced' Fraser MacRae, Clarke Willmott LLP 's four-partner team provides a 'proactive service' to lenders and borrowers on real estate finance matters. It is particularly accomplished in relation to social housing finance, where the firm's work includes advice on syndicated loans, securitisations and private placements, for lenders and housing associations.

Practice head(s):Fraser MacRae

Other key lawyers:Bethan Evans; Clare Gregory


The team is knowledgeable and provides a great relationship based working arrangement to foster confidence.

A friendly, can-do and commercial culture allied to strong technical expertise

Bethan Evans is task-focused and approachable in heat of battle

Key Clients

Triodos Bank


Santander Bank

Lloyds Bank

Allied Irish Bank

Homes England Investment

Wellesley Finance

Secure Trust Bank

One Housing Group

Melin Housing

Rhondda Housing Association

Grŵp Cynefin

Work highlights

  • Providing a bespoke facility for AIB Group (UK) Plc for the management buyout of a recruitment company based in South Wales.
  • Advising a significant Welsh social housing provider on a loan and amendments to financial covenants across its borrowing arrangements.
  • Instructed by Lloyds Bank in relation to a revolving credit facility made available to Valleys to Coast Housing Association.
  • Advised the Principality Building Society in relation to a £10m loan to Taff Housing Association.
  • Instructed by Santander in relation to a further loan to Cardiff and Vale College, to purchase a building adjoining its main Cardiff site.

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Wales: Real estate

Commercial property
Commercial property - ranked: tier 5

Clarke Willmott LLP

Able to leverage the firm's strong ties with numerous national lenders and also gaining increased traction in the local market, the Cardiff-based team at Clarke Willmott LLP is particularly strong at handling real estate finance, across general commercial property as well as social housing finance, where Vicky Kells has a particular niche.

Practice head(s):Vicky Kells

Other key lawyers:Clare Gregory


The team takes a very collaborative approach and provides timely and constructive support and advice.

No matter how awkward the title, or how complex the underlying transaction, or how restrictive the timescales, the team delivers.

Clare Gregory always goes the extra mile to make a completion happen - working above and beyond for all transactions.


Key Clients

Santander UK

Rhondda Housing Association

Principality Building Society

Urban Mining Energy

Cambridge & Counties Bank

Careers Wales

Wales & West Housing

Svenska Handelsbanken

Tridos Bank

Lloyds Bank

Secure Trust Bank

Work highlights

  • The firm advised Santander in relation to a loan facility to Cardiff and Vale College, to facilitate the purchase a building adjoining its main Cardiff site
  • The firm advised the housing association on the acquisition of a development site that was transferred to the client by way of a same day transfer from a third party to the seller.    
  • The firm advised the lender on the provision of a loan facility to the borrower to refinance some of its property portfolio.

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Further information on Clarke Willmott LLP

Please choose from this list to view details of what we say about Clarke Willmott LLP in other jurisdictions.


Offices in London

North West

Offices in Manchester

South East

Offices in Southampton

South West

Offices in Bristol and Taunton


Offices in Cardiff

West Midlands

Offices in Birmingham

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