Huw Thomas

Legal Director | Real Estate

Huw’s expertise is in both secured lending work and general commercial real estate transactions.

He joined Capital in 2017, having gained extensive experience over 20 years in London (the City and Westminster) and Chester.

He acts for numerous funders involved in facilitating purchases, refinancing (including on property portfolios) and development. In addition, he has acted on various transactions involving site acquisition and development and is lead advisor to Cardiff City Football Club on property related matters.

Huw enthusiastically helps deliver training on property law and developing the skills of trainees.

The Legal 500 publication has stated that Huw is ‘noted for his transactional expertise’ and that a client singled out his ‘astute legal brain’. He has been profiled in Property Week.

Huw is a Trustee of Sherman Cymru, a theatre situated in the heart of Cardiff, and is a fluent Welsh speaker.


  • Recovery and Insolvency
  • Commercial development
  • Development finance
  • Acquisition and disposal
  • Property security work – acting for lenders and borrowers

Recent work

A service station
Advising a service station operator on numerous asset acquisitions, disposals and funding transactions

Leading the team acting for Handelsbanken in respect of a loan to a South Wales company providing small business services for start-ups and growing businesses.

Associated British Ports
Advising Associated British Ports in relation to property matters at ports in Barry and Swansea

Owner of the YMCA building
Lead advisor for the owner of the YMCA building in Pontypridd, involving a major re-development of the property and development funding from the Arts Council of Wales.

Commercial property in and around Cardiff
Advising on a £13m refinancing and intra-group transfer of a portfolio of commercial property in and around Cardiff.

Regularly acting for HSBC and borrowers on a dual representation basis on acquisitions particularly in the holiday park sector.

Wales Council for Voluntary Action (WCVA) and Welsh Local Government Association (WLGA)
Advised WCVA and WLGA on their new Cardiff city centre office lettings including fit out requirements.


  • Welsh




  • I have worked with Capital Law’s debt and real estate finance teams for a number of years, and we have an excellent working relationship. The team are friendly yet professional and extremely responsive which helps me to manage my client’s expectations. They give clear, relevant, and thorough advice and their support has been invaluable. I know I can trust the team and can pick the phone up at any time.

    Alex Loxton | Relationship Director, Corporate Banking South West & Wales
    HSBC UK Bank plc

  • I have always been thoroughly impressed by the professionalism and dedication exhibited by Capital Law. However what I am more grateful for is the relationship built up with the members of the Banking and Property teams in particular. The commitment to understanding our needs and providing tailored advice has been invaluable. It can be rare to find a firm that provides such a high level of expertise with a truly client centred approach.

    I look forward to continuing my relationship with Capital Law in the near and long term future.

    Bryn Adams | Relationship Manager
    Hodge Bank

  • I’d like to thank Huw, on behalf of HSBC, for further deepening our relationship with our client, by supporting and advising expediently on this deal. I’ve never before received such a positive response from a customer relating to the work completed on their Property purchase.

    Joel Dunning | Relationship Manager

  • To the awesome Capital team, you have been phenomenal in your representation of us in the face of mind boggling idiocy. We are extremely grateful for your diligence, professionalism and good humour throughout this process. We look forward to the next one and couldn’t conceive of finding a better business partner to work with us over the next few years.

    Shane Higgon | Finance Director
    Ascona Group