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Terence Ritchie

Joint Head of SA Law’s Real Estate department


As Head of Commercial Property, I provide specialist advice on all aspects of this challenging legal field. My expertise covers the needs of large multinationals, SMEs, start-ups and entrepreneurs. I also advise lending institutions, particularly on how they can optimise investment and minimise risk.

I benefit from extensive experience in the legal requirements of large portfolio transactions, acquisitions and disposals, secured lending transactions and asset management. My experience covers most sectors and industries, but I offer niche expertise in the unique issues faced by retailers and charities/not-for-profit organisations.

Clients I advise regularly include Royal Bank of Scotland, HSBC Bank Plc, Svenska Handelsbanken, The Box Moor Trust and numerous retail and investment landlords operating in the regions. I also have experience in the care sector, notably care home acquisitions and disposals.


  • Advising RBS on a variety of development and investment transactions
  • Advising Svenska Handelsbanken on the funding of a residential development in West London
  • Advising HSBC on various property finance transactions including acquisitions in the Home counties.


Commercial Property

Terence Ritchie specialises in property finance, as well as advising on development and investment matters. He also has a particular interest in the care sector. Clients comment on his "good market knowledge" and "very thorough" approach.

Chambers & Partners


  • Qualified in 2001
  • Member of the Chambers of Commerce in Watford and Luton
  • Sits on the Corporate Fundraising Committee for Peace Hospice Care (Formerly The Peace Hospice)
  • Speaks French and basic German
  • Has completed the three peaks challenge and cycled Ride London 100 to raise money for Peace Hospice Care.
Terence Ritchie is noted for his ‘good communication and practical advice’.
The Legal 500
If I wasn’t a lawyer I’d be a teacher
WFC Player of the Season Sponsored by SA Law Terence Ritchie & Almen Abdi
I chose law because it has a great blend of tradition and evolution
At the weekend I Support the Hornets, run, ride my bike and play children’s entertainer to my kids, Maia & Fraser
Watford Football Club Vicarage Road Stadium
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