Archive for the ‘Uncategorized’ Category

Lawrence Stephens Ranked Band 1 in Chambers UK 2026 SME Guide

Posted on: October 16th, 2025 by Ella Darnell

Lawrence Stephens is proud to announce its ranking in Band 1 in Chambers UK 2026 SME-focused Firms category. This ranking illustrates our commitment to and excellence in the owner-managed business (OMB), founder-led and SME sector.

This recognition builds on our appearance in last year’s guide and is yet another milestone in the firm’s strategic focus in supporting fast-growth businesses and entrepreneurial clients.

Chambers describes us as being “deeply involved in the SME and entrepreneurial ecosystem”,  a reflection of the work we do every day. We advise clients across a broad range of sectors on incorporation, commercial contracts, commercial property, employment, funding rounds, and M&A transactions.

Jeff Rubenstein, Head of Corporate & Commercial, commented:

“This ranking is a fantastic endorsement of the work we do every day with ambitious SMEs and founders. It reflects our deep understanding of the challenges and opportunities in this space, and our commitment to delivering commercially astute, founder-friendly advice.”

Steven Bernstein, Managing Director, added:

“Being recognised in Band 1 by Chambers UK is not just a win for our firm but confirms our position as the go-to firm for SMEs and OMBs, and builds on our work with FEBE and FOUNDXRS Club to shape a bold, founder-first narrative for Lawrence Stephens.”

Our clients said:

“Lawrence Stephens have a very pragmatic and solutions-driven approach. They are great at keeping the client’s interests at heart and have the ability to distil and simplify complex matters.”

Supporting the SME community

Our SME-focused initiatives and partnerships are designed to empower founders, entrepreneurs, and owner-managed businesses at every stage of their journey:

  • Championing SME growth

    We are proud partners of FEBE, where we collaborate with some of the UK’s fastest-growing businesses to foster innovation and growth. We also regularly work with the Foundxrs Club, helping visionary founders turn bold ideas into thriving enterprises.

  • Tailored Resources for Entrepreneurs

    Our quarterly newsletter, The Fineprint, is crafted specifically for OMBs, founders, and entrepreneurs offering insights, legal updates, and practical guidance to help businesses stay ahead.

    We also created Flourish, our dedicated offering for start-ups, designed to support founders from day one through scale-up and eventual exit.

  • Trusted Legal Advisers to Leading SMEs

    We’re proud to advise a range of dynamic businesses, including:

    • Activate Group Limited, in its acquisition by Elysian Capital.
    • Ansor LLP, where we are the go-to firm for mid-market portfolio transactions, supporting their strategy of acquiring and combining profitable SMEs in high-growth sectors.
    • Genuine Dining, on its acquisition by WSH.
    • FMS Foils limited on its sale after we did the company formation over 25 years ago.
    • HFMC Wealth on various acquisitions.
    • M&A Coachworks, on its sale to The Steer Group.
    • Scutum Group UK in connection with the purchase of a number of alarm maintenance and monitoring SME businesses in the UK.

Whether you’re launching a start-up, scaling a growing business, or preparing for a strategic exit, Lawrence Stephens is here to help you navigate every step with confidence.

Learn more about how we can support entrepreneurial businesses here.

Lawrence Stephens Advises on Sale of FMS Foils Group to WZ Packaging

Posted on: October 15th, 2025 by Ella Darnell

We are proud to have advised on the sale of the entire issued share capital of FMS Foils Group Limited to WZ Packaging Limited, marking not just a successful transaction, but a significant milestone in a client relationship that has spanned more than 25 years.

FMS Foils Group has been a valued client of Lawrence Stephens since 1998, when Jeff Rubenstein, Head of Corporate and Commercial, first began advising the business shortly after joining the firm. Over the decades we’ve had the privilege of supporting the Group and its shareholders through every chapter of their journey, from formation and growth to this successful exit. This enduring partnership is a testament to the trust our clients place in us and the strength of the relationships we build.

The acquisition by WZ Packaging brings together two leaders in aluminium flexible packaging, positioning the combined group for continued innovation and global expansion.

Our Corporate and Commercial team provided end-to-end legal support throughout the transaction.

Jeff Rubenstein, Head of Corporate and Commercial, commented:

“It has been an honour and a privilege to work alongside and support FMS Foils Group for over 25 years. This transaction reflects the value of long-term client relationships and the importance of consistent, trusted legal guidance. I’m incredibly proud of the trust David and Paul have placed in us over the years, it’s been a true partnership.”

David Watson, FMS Foils Group, added:

“Jeff and the team at Lawrence Stephens have been with us since day one. Their advice has always been clear, commercial, and deeply supportive. We couldn’t have asked for better legal partners on this journey.”

Read more about our Corporate and Commercial services.

Lawrence Stephens Advises Maidenhead Aquatics on Acquisition of New Nottingham Store

Posted on: October 15th, 2025 by Ella Darnell

Lawrence Stephens has advised fishkeeping and aquatics supplier Maidenhead Aquatics on the acquisition of their new store at 66 Castle Boulevard, Nottingham. This strategic move marks a consolidation of the company’s presence in the city and reinforces its position as an industry leader. 

Founded in 1984, Maidenhead Aquatics has evolved into the UK’s premier destination for fishkeeping and aquatic supplies. With over 130 stores nationwide and a well-established online platform, the company is continuing to expand its footprint. With the acquisition of the new store in Nottingham, Maidenhead Aquatics is further strengthening its presence in the region and displaying their commitment to growth in the aquatics sector. 

Supervising Partner in the Commercial Real Estate team, Matt Hind added:

“We are delighted to have acted for Maidenhead Aquatics on this transaction.  From start to finish my colleague Mo has been instrumental in driving this deal for Maidenhead Aquatics. He has done a terrific job at delivering a successful result for the client and supporting them in their expansion.”

Solicitor Mohammad Hammoud commented:

“Maidenhead Aquatics now have a large new location where they can continue their excellent work and growth in the historic city of Nottingham. Their growth is a testament to their commitment to being the best in the aquatics business and I look forward to seeing them thrive in their new store.”

Sam Kent, a Partner at Maidenhead Aquatics commented:

“Working with Mohammad Hammoud at Lawrence Stephens to get this acquisition completed has been so efficient. Complex issues were dealt with, explained fully and communication was outstanding throughout. I wouldn’t hesitate to use Mo in the future.”

This deal was handled by Mohammad Hammoud and assisted by James Parker. To read more about the Commercial Real Estate team and their services, please click here.

Kaur -v- Estate of Karnail Singh & Others [2023] EWHC

Posted on: October 14th, 2025 by Ella Darnell

This was an interesting case which attracted a lot of media attention. Whilst it was not an unusual case, many called the actions of the deceased an injustice which required the court to put right.

Background

Mr Karnail Singh (the “Deceased”) died on 21st August 2021. He made a will dated 25th June 2005 in which he left his entire estate to two of his 6 surviving children, both were sons.

The Deceased made no provisions for his four daughters nor his wife. The Deceased’s intention was to leave his estate to the “male line” of his family.

The Deceased married his wife Harbans Kaur in 1955, a long marriage spanning 66 years, they had 7 children together although only six survived the Deceased.

The Deceased and his wife both worked in the family clothing business although she did not have a direct stake within it and nor did she receive a salary. She remained fully dependent on the Deceased, and he met all her financial needs throughout their long marriage.

Given that the Deceased left no provision in his will for his wife, she issued a claim under the Inheritance (Provision for Family and Dependant’s) Act 1975 (the “1975 Act”), seeking an order that she should receive half of the estate, whatever the value may be. She made it clear that her intention was to be able to purchase a property for herself which was close to her daughter, and she was unable to do this given her only income was £12,000pa from state benefits and she had very modest assets.

Judgement

Mr Justice Peel found that the Deceased’s estate did not provide reasonable financial provision for the claimant and as such she was awarded 50% of the net value of the Deceased’s estate, she would also receive £20,000 forthwith on account of the final distribution due to her.

Further, the claimant’s costs were to be paid out of the gross value of the estate before any distribution was made to her, therefore her costs were treated as an administration expense.

Mr Justice Peel commented that:

“It is hard to see how any other conclusion can be reached. After a marriage of 66 years, to which she made a full and equal contribution, and during which all the assets accrued, she is left with next to nothing.

It is worth noting that in this case there was discussion over what the value of the estate was. The claimant’s claim was 50% of the estate and this is what was awarded. The court did not specify exactly what the amount was as it was clear that even at the lower end of the values, it would still be sufficient to provide for the claimant.

Conclusion

The judgement did not necessarily come as surprise to many practitioners, however the key takeaway from this case must be that whilst testators do enjoy the freedom to leave their estate as they wish, the courts are looking at cases with the view to stand against injustice and equality.

Lawrence Stephens Advises HFMC Wealth on a Series of Strategic Acquisitions

Posted on: October 13th, 2025 by Alanah Lenten

Lawrence Stephens advises top 100 UK IFA HFMC Wealth on a series of acquisitions as part of its ongoing consolidation strategy in the financial services sector. Our Corporate, Banking, and Property teams collaborated seamlessly to ensure smooth and efficient transactions.

The firm has completed a handful of key transactions for the  business over recent years:

The acquisition of R&S Financial Planning, a wealth planning business, adding £145 million to HFMC’s assets under advice.

The acquisition of Harford Financial Limited, a specialist mortgage brokerage.

The acquisition of Generic Financial Management, contributing an additional £150 million in assets under management.

The acquisition of Weston Cummins Limited, a wealth planning firm, adding a further £350 million in assets under advice.

These acquisitions significantly expand HFMC Wealth’s national footprint and reinforce its position as a leading independent financial adviser (IFA) in the UK.

We also advised HFMC Group in connection with a multi-million pound refinance of its existing loan facilities with Thincats Loans Limited to support their ongoing acquisition strategy.

Reflecting on the deals, Jeff Rubenstein, Head of Corporate and Commercial, expressed his pleasure in working with HFMC on these acquisitions. He commended the exceptional performance of our team and witnessing HFMC’s ongoing growth.

Phil Patient, Group COO of HFMC Wealth, commented:

“We are thrilled to continue a strong year of acquisitions for HFMC and to continue working with the crucial assistance of the team at Lawrence Stephens, who handled the transactions swiftly and with the utmost professionalism and attention to detail.”

These transactions reflect Lawrence Stephens’ continued commitment to supporting clients in the rapidly evolving financial services and IFA landscape.

Patel v Patel [2025], a reminder on how to avoid a dispute over funeral arrangements

Posted on: October 10th, 2025 by Ella Darnell

The case of Patel v Patel [2025] EWHC 560 (Ch) explores an issue which rarely tends to find its way before a Judge but one which is nonetheless an important issue to consider, this being what happens when executors cannot agree on funeral arrangements and who can make the final decision.

This case involved a dispute between the deceased’s son and daughter over the funeral arrangements for their late father. Both were been named as executors in the deceased’s will.

Background

The deceased was born in India but moved to England in 1954 with his wife. This is also where their children were born and raised. The deceased and his wife were devout Hindus.

The deceased’s wife died first, on 24th February 2024, and in accordance with Hindu traditions her body was cremated (she had clearly expressed in her will that she wished to be cremated), and her ashes were scattered in England.

The deceased died on 30th December 2024, he had made a will dated 22 December 1993 however his will did not provide any directions as to his funeral arrangements.  Following his death, the executors were at war, his son, the claimant in this case, maintained that his father had told him after his mother had died, that he wanted the same funeral arrangements as his wife, this being cremated and his ashes scattered in England. However, the deceased’s daughter, the defendant in this case, presented a different position to the court, she stated that her father had told her in the months leading up to his death that he wished to die in India and in the event where he died in England then he wanted his body to be taken to India and buried. 

The Law

HHJ Matthews stated that the law was clear in respect of the rights of a personal representative to the possession of the deceased’s body for the purposes of a funeral and referred to the case of  Buchanan v Milton [1999] 2 FLR 844,  where Hale J said:

“There is no right of ownership in a dead body. However, there is a duty at common law to arrange for its proper disposal. This duty falls primarily upon the personal representatives of the deceased (see Williams v Williams (1881) 20 Ch 659 ; Rees v Hughes [1946] KB 517). An executor appointed by will is entitled to obtain possession of the body for that purpose (see Sharp v Lush (1879) 10 Ch 468 at 472; Dobson v North Tyneside Health Authority [1997] 1 WLR 596 at 600 obiter), even before there has been a grant of Probate. Where there is no executor that same duty falls upon the administrators of the estate, but they may not be able to obtain an injunction for delivery of the body before the grant of letters of administration (see Dobson).”

HHJ Matthews then had to consider the way in which the Court was able to intervene, and he looked at:

  1. 116 Senior Courts Act 1981 which provides that:

“(1) If by reason of any special circumstances it appears to the High Court to be necessary or expedient to appoint as administrator some person other than the person who but for this section would in accordance with probate rules have been entitled to the grant the court may in its discretion appoint as administrator such person as it thinks expedient.

(2)  Any grant of administration under this section may be limited in any way the court thinks fit”.

However, the claimant and the defendant had been both named as executors jointly and the decision to make in respect of the funeral agreements was one for them to make together but they were not able to agree.

  1. The courts inherent jurisdiction

HHJ Matthews considered the case of Oldham Metropolitan Borough Council v Makin [2018] Ch 543  where Sir Geoffrey Vos, stated:

“80. In my judgment, the court does have an inherent jurisdiction to direct how the body of a deceased person should be disposed of. The court will normally, as I have said, be deciding between the competing wishes of different sets of relatives, and will only need to decide who should be responsible for disposal rather than what method of disposal should be employed. I cannot see, however, why the court’s inherent jurisdiction over estates is not sufficiently extensive to allow it, in a proper case, to give directions as to the method by which a deceased’s body should be disposed of. In my view, it is. Moreover, I am, for the reasons I have given in relation to section 116, prepared to exercise that jurisdiction in this case”.

HHJ Matthews relied on this authority to use the Courts Inherent jurisdiction to provide directions on the method of disposal of the deceased’s body.

Judgement

In his judgment, HHJ Matthews found that it had been difficult to determine the wishes of the deceased, and he found both the claimant and defendant to be reliable in their evidence. “[B]oth the claimant and the first defendant were telling the truth as they believed it to be, and neither was attempting to mislead the court”.

He noted that the family were all in agreement with the views of the claimant and it was only the defendant who had a different view, and this was based on the “perception of what the deceased wished for himself, and not on what she herself wishes for him.” It was the defendant’s case that she was not advocating her personal view on this.

In reaching a conclusion, HHJ Matthews considered a number of factors including the place where the deceased was most closely connected. He found this to be England as the deceased had lived here for 70 years (the majority of his life) with his wife, and it was where he raised his family. In comparison the deceased had not been back to India in over 20 years; and only extended family remained in India. Whilst England was not his place of birth it was his chosen home. Further, his wife’s ashes had been scatted in England.

He also considered the costs involved in transporting the deceased’s body to India would be significantly more, there would be the legal and administrative costs involved for the international transportation of human remains too. There would also be the costs for those family members who would have to travel to and from India.

In terms of timeframes, there had already been a period of three months since the deceased’s death where the body had remained undisposed of, to transport it to India would cause further delays.

HHJ Matthews when taking these various factors and the evidence into account, was of the view that the “right decision is to direct that the body of the deceased be cremated and his ashes scattered here in England, in accordance with the appropriate Hindu rites. In my judgment there is no sufficient justification for directing a burial in India on the facts of this case.

He also added that he placed greater weight on the wishes of the wider family, he said that their needs were the “needs of the living”, they would be the ones that would be attending the funeral and the ones that would be grieving, and the funeral would give them both comfort and closure. He was of the view that the deceased’s views on his funeral arrangements were not legally enforceable but rather one of several factors which he was considering. The reason why it was not enforceable and only just a factor was because the deceased had not included directions in his will as to the disposal of his body.

Costs

HHJ Matthews was then asked to consider the issue of costs. Whilst costs are generally in the court’s discretion, it is common practice for the losing party to pay the winning parties costs, therefore the claimant sought an order the defendant should be ordered to pay his costs.

When considering this issue, it was HHJ Matthews view that the dispute was because of the deceased not expressly setting out in writing what his wishes were in relation to his funeral arrangements and had he done so he had no concern that the defendant would have acted in accordance with those wishes. It was on this basis that he ordered that the costs of the parties were payable from the estate.

Conclusion

This case is another helpful reminder that when you are preparing your will it is essential you set out clearly what your wishes are in respect of your funeral arrangements to avoid a situation such as this. This avoids further unnecessary anguish between the family members and could save the estate from incurring these legal costs.

HHJ highlighted that disputes such as these cause a great deal of sadness and prevent the family from moving on with their lives and coming to terms with their grief.

For more information on our Private Wealth and Succession Planning services, click here.

Senior Associate Ona Proctor Joins Lawrence Stephens’ Expanding Real Estate Finance Team

Posted on: October 10th, 2025 by Ella Darnell

We’re pleased to announce that Ona Proctor has joined Lawrence Stephens as a Senior Associate in our Real Estate Finance team.

Ona is a bilingual Korean real estate finance and commercial real estate lawyer with over 10 years’ experience advising Korean and international banks, asset managers, and institutional investors. Ona joins us, having previously worked at several international law firms, most recently gaining experience at Howard Kennedy LLP and Osborne Clarke LLP.

Her practice focuses on investment and secured lending across a wide range of asset types, including hotels, retail parks, care homes, and education facilities. Ona also has extensive experience managing cross-border transactions for Korean clients.

Ona’s appointment follows the recent hire of two new directors in the Real Estate Finance team, marking a significant time in the team’s expansion and strategic development.

Ann Ebberson, Director and Head of Real Estate Finance, commented:

“Ona’s arrival marks a significant step in the expansion of our Real Estate Finance team. Her technical ability, international experience, and deep sector knowledge will be invaluable to our clients and our growth.”

For more information on the Real Estate team and their services, click here.

Lawrence Stephens Recognised in Legal 500

Posted on: October 3rd, 2025 by Ella Darnell

Lawrence Stephens is delighted to share that it has been recognised in the 2026 Legal 500 Directory in the Commercial Property: Occupiers, Property Finance, Residential Property, Retail and Consumer and TMT: Sport categories.

The Sport and Entertainment team’s ranking has improved, moving up to Tier 4, and our Banking and Real Estate Finance teams have maintained their Tier 7 ranking in the very competitive Property Finance category.

We were also pleased to be recognised as a ‘Firm to Watch’ for the first time in the Commercial Property: Occupiers, Residential Property, and Retail and Consumer categories.

This widening of recognition reflects the increased awareness and profile we have achieved with our clients and other legal sector intermediaries.

We continue to grow, undertaking larger and more complex assignments, and these more substantial mandates, increased bench strength and our distinctive approach are helping build our reputation across the board. It is very rewarding to hear our clients talk about our “ability to be commercial, decipher a client’s needs, and provide recommendations accordingly”, we couldn’t have hoped for more.  

Managing Director Steven Bernstein commented: “This is very much a journey. We’re proud of what we’ve achieved and, like our clients, we are ambitious and keen to learn. We look forward to building on these strong foundations”.

Lawrence Stephens Welcomes Two New Directors to Real Estate Finance Team

Posted on: October 3rd, 2025 by Ella Darnell

Lawrence Stephens is pleased to announce the appointment of two new Directors to the Real Estate Finance team, Joe Jarvis and Josip Stajfer who both join from Arch Law. 

Joe Jarvis brings extensive experience across commercial and residential property finance. Known for his pragmatic approach and strong communication skills, Joe has built a reputation as a trusted legal advisor who consistently delivers high-quality results under pressure. He has acted for a broad range of clients including banks, borrowers, PLCs, overseas investors, and trusts, with particular expertise in development finance and planning matters. 

Joe Jarvis said: 
“I’m excited to be joining Lawrence Stephens at such an exciting time for the firm. I look forward to working with the Real Estate Finance team and continuing to deliver commercially focused, solutions-driven advice to our clients.” 

Josip Stajfer’s practice centres on lender-side transactions, with particular experience in bridging, development, and residential finance. He also brings specialist knowledge in co-living and hotel finance and has advised on a wide range of investment and corporate real estate matters. Josip’s international experience, especially across Central and Eastern Europe, adds a valuable cross-border dimension to the team’s capabilities. 

Josip Stajfer said: 
“Joining Lawrence Stephens is a fantastic opportunity to contribute to a forward-thinking and ambitious team. I’m looking forward to supporting our clients across a broad spectrum of real estate finance matters.” 

Together, Joe and Josip’s appointments reflect the firm’s continued investment in building a versatile and high-performing Real Estate Finance team, capable of supporting clients across a wide range of sectors and deal types. 

Ann Ebberson, Director and Head of Real Estate Finance as Lawrence Stephens said: 

“I’m thrilled to welcome Josip Stajfer and Joe Jarvis to our Real Estate Finance team. Both bring outstanding experience, excellent sector knowledge, and strong client relationships that will further enhance our capabilities and broaden our commercial reach. Their appointments mark an exciting chapter for our team, and I’m confident they’ll play a key role in our continued growth.” 

To read more about the Real Estate Finance team’s services, please click here.

Matt Green Shares Expertise on BBC’s File on 4: Investigating Crypto Crime in the UK

Posted on: October 2nd, 2025 by Ella Darnell

Matt Green, Director and Head of Blockchain and Digital Assets, is a regular commentator on all things crypto and recently featured in BBC’s File on 4, one of the UK’s most respected investigative journalism programmes.

File on 4 has built a reputation for in-depth investigative reporting on some of the most pressing topics in society, from political scandals and corporate misconduct to human rights and financial crime. Produced by BBC Radio 4, the programme is known for shaping public understanding and policy on the UK’s most complex issues and has a weekly audience running into millions.

In this episode, which aired on the 30 September, File on 4 investigated the surge in phone thefts across London and the associated theft of funds from online accounts. In 2024 alone, there were up to 80,000 devices stolen in London’s streets and transport network. The loss to users goes far beyond having to replace stolen devices, as gangs are now exploiting unlocked phones to access victims’ online banking and cryptocurrency accounts.

Matt offered his expert insight into why crypto assets are particularly attractive to criminals, and how victims’ funds are emptied and transferred into criminal accounts: “The problem is that there are no regulatory provisions that ensure you can get your money back. You have to spend, as a consumer, a good deal of money paying for investigators and lawyers to seek to recover your funds. That is expensive, it doesn’t always work because funds can be sent to various jurisdictions which don’t always comply with court orders, and it makes the process a lot more difficult. I would like it so that there is some sort of duty or obligation for crypto currency exchanges to play a role in helping consumers and protect them further.”

Known for his work tracing and recovering crypto assets across borders, Matt regularly advises on high-value disputes involving blockchain technology and has helped shape UK legal precedent on digital property. As part of his role as chair of techUK’s Digital Asset Working Group, he is closely involved in the drive to improve regulation to help consumers recover stolen digital assets.

You can listen to the full podcast here, Matt enters the conversation at 29m16s.

To read more about our blockchain, digital and crypto assets services, please click here.

Lawrence Stephens Strengthens Corporate Team With Director Hire

Posted on: September 29th, 2025 by Ella Darnell

Lawrence Stephens is pleased to announce the appointment of Director, Ryan D’Souza, who joins the firm to further strengthen its Corporate & Commercial offering.

Ryan brings with him over 20 years’ experience in corporate and commercial law, advising clients on complex mergers and acquisitions, corporate finance, private equity and restructuring matters across a broad range of sectors and jurisdictions.  Ryan’s practice includes advising on corporate and commercial contracts for companies, shareholders and partnerships, with an additional focus on employment law matters. He is particularly noted for his experience in the sale and acquisition of Lloyd’s LLVs, which own underwriting capacity in Lloyd’s of London insurance market and provide capital to the Lloyd’s syndicates. He also advises on legal issues relating to blockchain and crypto-assets, a growing area of interest for the firm’s technology and innovation clients.

With an MBA complementing his legal expertise, Ryan offers clients a commercially attuned perspective that underpins his practical, business-first approach to legal strategy. He is also a Solicitor-Advocate and was called to the Bar by Lincoln’s Inn in 2003, a background which gives him a strong understanding of contentious issues and offers clients added reassurance when navigating high-value, high-stakes transactions.

At Lawrence Stephens, Ryan will play a key role in growing the firm’s Corporate & Commercial team and supporting the wider firm with specialist knowledge of digital asset transactions.

Commenting on his appointment, Ryan said:
“It’s an exciting time to be joining Lawrence Stephens, a firm with a strong entrepreneurial ethos and growing reputation for its expertise in cutting-edge sectors. I look forward to collaborating with colleagues across the firm to deliver strategic advice that meets the needs of our dynamic client base.”

Jeff Rubenstein, Head of Corporate at Lawrence Stephens, commented:
“Ryan’s breadth of experience across corporate and commercial law makes him a great addition to our team. His track record advising on complex transactions, from M&A and private equity to corporate finance and commercial contracts, aligns perfectly with our strategic growth in these areas. In particular, his specialist knowledge of the wider insurance market adds a valuable dimension to our offering. We’re excited to welcome Ryan and look forward to the impact his insight and commercial acumen will bring to our clients.”

What To Do If Your Marriage May Be Over: A Supportive Guide

Posted on: September 29th, 2025 by Ella Darnell

If you’re wondering what to do if your marriage is ending, start with three key actions: speak to a family law solicitor, gather essential financial records, and keep your children’s routines stable.

Realising that your marriage may be coming to an end can feel overwhelming. It’s not just a legal process—it’s an emotional journey, and often one that touches every part of your life. You may be worried about your children, your home, your finances, or even how to begin having the conversation with your partner. Many people feel guilt, confusion, or fear of the unknown.

The important thing to remember is: you are not alone, and you don’t need to have all the answers straight away. Taking small, informed steps now can give you a sense of control and help you move forward with clarity and confidence.

Here are ten practical and constructive steps to consider:

  1. Speak to a family lawyer early

Even if you’re not sure whether you want to separate, getting clear advice can take away some of the uncertainty. We’ll explain the divorce process, what happens with finances, and how children’s arrangements are dealt with.

Early legal advice helps you understand your options before making big decisions.

  1. Understand how divorce works now

Since April 2022, divorce in England and Wales is “no-fault.” This means you don’t have to blame your spouse for the breakdown of the marriage. This change reduces unnecessary conflict and makes it easier for couples to separate constructively.

You can now apply for divorce without assigning blame—simply stating the marriage has irretrievably broken down.

  1. Organise your finances

Start by pulling together key information on:

  • Assets (homes, pensions, savings, businesses)
  • Income (Salary, dividends, benefits)
  • Debts (Credit cards, mortgages, loans)

You don’t need everything at once, but a broad picture helps. It can be important to record the facts at the date of separation, as these could be important later when financial claims are considered and often there is a delay between separation and dealing with financial claims and facts are lost.

  1. Put your children first

Children’s wellbeing is the court’s first priority. Try to reassure them, keep routines stable, and avoid involving them in adult conflict. If communicating directly is difficult, consider using a parenting app such as OurfamilyWizard, which helps parents to make arrangements, organise schedules and communicate constructively.

  1. Consider mediation

Mediation is a voluntary process where a trained mediator helps you agree on finances and children’s arrangements without going to court. It’s often quicker, cheaper, and less stressful.

  1. Make safe housing arrangements

Think practically about where each of you will live. Will one person remain in the family home? Will the property need to be sold? Taking time to plan calmly avoids unnecessary upheaval later.

  1. Stay constructive in communication

Try to avoid hostile emails, text messages, or social media posts. The way you communicate now sets the tone for negotiations and may influence outcomes if your case reaches court.

  1. Take care of yourself emotionally

Lean on trusted friends or family. Consider counselling or support groups. A divorce is as much an emotional journey as it is a legal one. The end of a long standing  relationship is equivalent to a bereavement, treat it as such and realise it will take time before you come to terms with the situation.

  1. Don’t make rushed financial moves

Avoid transferring assets, cashing in pensions, or moving out of the house without advice or entering into financial arrangements like refinancing mortgages. These decisions can have lasting legal consequences.

  1. Keep the bigger picture in mind

The goal is a fair and workable outcome, not “winning.” A constructive approach reduces cost, stress, and time, and helps everyone move forward with dignity.

Final thoughts

Ending a marriage is never easy, but you don’t need to face it on your own. The law is designed to support both parties and, most importantly, to protect children’s best interests. With the right advice and support, you can move forward into the next stage of your life with confidence.

If you feel your marriage may be ending, contact our family law team today. We’ll guide you through the process step by step—with compassion, clarity, and practical advice to protect your future.