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Nick Ralph, Principal Associate

Nick Ralph

Principal Associate

Practice areas

  • Financial institutions
  • Retail

Practice notes

Nick is a Principal Associate in our Company Commercial group. He specialises in all aspects of consumer finance retail products and businesses active in the consumer finance markets, and related wholesale market transactions (such as private equity company and asset acquisitions and disposals) where the underlying portfolios comprise regulated consumer products and services. In particular, he advises mortgage lenders, brokers and administrators and unsecured consumer credit businesses, such as car finance providers and consumer credit brokers.

His recent experience includes: updating the buy-to-let mortgage terms and related documentation for a large building society; advising a number of banks and building societies on accessing the Bank of England’s Funding for Lending schemes using residential mortgages and asset finance portfolios as collateral; and advising a major overseas banking group providing retail lending products in the United Kingdom under an EU passport on its Brexit planning arrangements.

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