PANEL OF SOLICITORS - AvivaPANEL OF SOLICITORS Approved for client use curtisbanks.co.uk For the Aviva Commercial Property Investment provided by Curtis Banks as part of a Pension

PANEL OF SOLICITORS

Approved for client use

curtisbanks.co.uk

For the Aviva Commercial Property Investment provided by

Curtis Banks as part of a Pension Portfolio

This document is part of a set, all of which should be read together:

• Key Features

• Application Form

• Schedule of Fees

• Administrative Terms and Conditions

• Privacy Information Notice

• Property Form

• A Guide to Property Purchase

• Property Disposal Guide

• Panel of Solicitors• Panel of Surveyors

Panel of Solicitors for the Aviva Commercial Property Investment provided by Curtis Banks as part of a Pension Portfolio

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Working with many different professionals has taught us the value that experience can add.

We’ve used that experience to assemble a panel of solicitors who are tried and trusted when it comes to commercial property and pension schemes.

To help you with your choice, we have included some information on the following pages.

The panel is available for properties in England, Wales, Scotland and Northern Ireland. You can still use your own choice of solicitor and are not restricted to this panel but note an additional non panel fee of £200 will be payable.

Panel of Solicitors for the Aviva Commercial Property Investment provided by Curtis Banks as part of a Pension Portfolio.


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England and Wales

Ashfords is one of the UK’s leading law firms with over 70 partners and 500 staff spread across offices in London, Bristol, Taunton, Tiverton, Exeter and Plymouth.

We have a strong working relationship with the Curtis Banks Group, having advised them on their own commercial property requirements since its opening in 2009. Nowadays, our specialist SIPP and SSAS Real Estate team, led by Andrew Worley, work closely with the Curtis Banks Group to administer the SIPP and SSAS schemes for their members’ and beneficiaries’ specialist property investment and management requirements. Our advice includes real estate (both contentious and non-contentious) regulatory, banking, tax and corporate matters.

As a firm, we provide legal advice that is not just technically sound, but is rooted in a wider appreciation of the real world in which we all exist. A world that is constantly changing, frequently surprising and invariably hard to navigate.

We recognise that no two clients’ legal issues are the same and always aim to provide straightforward, timely advice, delivered in clear and simple language. Excellent client service is at the heart of everything we do.

Contact details Andrew Worley Tel 0117 321 8089 Email [email protected]

Birketts LLP is a long established and highly successful law firm, holding a place in the Lawyer’s Top 100 UK law firms and recognised in the industry’s leading independent directories as a top tier regional heavyweight. With a total headcount of 500, it is large enough to provide specialist skills in most areas of law but small enough to maintain a highly personalised service.

Birketts’ property team is one of the best regarded in the east of England, serving clients nationwide and is noted in Chambers as being “the strongest property team in East Anglia”.

It comprises over 60 specialists dealing with all types of commercial property transactions, supported by colleagues with construction, planning and commercial expertise. The depth and range of expertise means the team can work together on major and complex transactions on cost effective terms and also deal with high volume and bulk transactions, providing clients with true value for money.

Birketts’ specialist SIPP property team is led by Oliver Crichton. Its experience, knowledge and unique understanding of the issues particularly relevant to Curtis Banks (including SIPP rules, scheme structures and procedures and risks) results in a seamless process for all transactions.

Contact details Oliver Crichton, Partner Tel 01473 232 300 Email [email protected]


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England and Wales (continued)

Coffin Mew is a bold and entrepreneurial law firm working across Sussex, Hampshire and the Thames Valley specialising in four key sectors: Real Estate, Care and Protection, Technology and Agriculture and Rural Business. Its team provides legal advice to individual clients, entrepreneurs, SMEs and corporate organisations across a wide range of legal matters. The firm prides itself on its innovative and modern culture, depth of legal and commercial expertise and exceptional client service.

Its services to the Real Estate sector include: commercial, residential and new homes transactions, investments and development, property finance, landlord and tenant, commercial agreements, corporate restructuring and insolvency, construction and property litigation advice, wealth management, estate planning and property pension investments.

Its specialist property pension investments team have spent many years as panel solicitors for some of the biggest and best known pension providers in the country.

Contact details Amanda Read Tel 0238 048 3787 Email [email protected]

Rivergate Legal, a Curtis Banks Company, is dedicated to providing specialised and experienced advice to SIPP and SSAS clients seeking to invest commercial property within their pension portfolios.

Their professional team draws on significant experience advising within the SIPP and SSAS market, from both private practice and in-house as part of the Curtis Banks Group.

They promote a clear, focused and progressive service to individuals, trustees and businesses on a full range of property transactions throughout England and Wales.

Contact details Gemma Millard Tel 0117 440 5000 Email [email protected]


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As a leading business law firm, DWF is dedicated to offering robust legal advice rooted in specialised sector expertise. This approach enables them to understand the issues, anticipate obstacles and help their clients successfully negotiate the particular challenges of their business landscape. With DWF you will get a dedicated team with current, relevant experience and lawyers with a pragmatic approach and enthusiasm for delivering the highest quality service and ensuring the right solutions are delivered to meet your objectives.

DWF has one of the largest commercial real estate practices in the UK with the capacity to provide a wide range of property services. Combine this with their extensive sector knowledge and the result is a commercially focused approach to real estate matters, backed up with excellent service. Their Scottish Pensions Property team (working from offices in Glasgow and Edinburgh) is approachable and easy to work with and, wherever appropriate, they can call on expertise from colleagues in other disciplines to help you get the best results. This includes one of Scotland’s most well thought of pensions teams who have worked together for decades to build one of the most respected reputations in this field.

DWF’s Property Pensions team and Pension Specialists work together to provide a fully integrated SIPP/SSAS property service to a range of clients. Working together the teams secure for their clients efficient and compliant investment with appropriate risk control.

Experience includes advising many of the UK’s leading SIPP and SSAS providers on property investment and management matters. This includes more complex transactions involving multiple SIPP members or third parties.

Contact details Chris McLeish, Partner, Real Estate Tel 0141 2288 052 Email [email protected]

Morton Fraser is a top ten, full service independent Scottish Law firm. We’ve grown to become one of Scotland’s leading players, recognised by independent Legal directory Legal 500, who rank us in their top tier for commercial real estate in Scotland.

Our Property in Pensions Team which is one of the largest in the country completes hundreds of pension real estate transactions each year representing many of the UK’s leading SIPP and SSAS providers. We advise on all aspects of real estate transactions for providers across the UK from acquisition through management and disposal.

Contact details Fergus McDiarmid Tel 0141 375 0796 Mobile 07758 517 908 Email [email protected]


Scotland


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Northern Ireland

Tughans is one of Northern Ireland’s longest established and most respected commercial law firms, recognised as being eminent across all commercial practice areas. Specialist partner-led teams are at the core of their business, offering bespoke client-focused solutions.

They place the same emphasis on commercial intelligence as legal expertise, which is why they are trusted advisers to many of Northern Ireland’s leading organisations and international companies investing in the region. They work alongside a diverse range of clients, from local entrepreneurial start-ups to pension funds, the public sector and large multi-national organisations.

Clients value how they work with them not just as legal counsel but as business partners, resulting in their strong reputation for providing pragmatic, commercially realistic guidance, with significant partner level involvement providing a personal touch.

To ensure their clients’ needs are met throughout the UK and Ireland they have a significant number of dual qualified lawyers working across the different jurisdictions and they work directly with leading Dublin law firm William Fry, while internationally they have strong ties with firms across Europe, the USA and Asia to ensure a seamless multi-jurisdictional service.

They have a dedicated team that focuses on providing the full range of property and banking legal services required by both large institutional and smaller personal pension funds, along with the specialist advice required in establishing trusts and dealing with governance issues. As a result, Tughans is the law firm of choice for a significant number of pension fund providers across the UK and Ireland.

Contact details David Jones, Partner Tel 0289 0820 531 Email [email protected]


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Value of property Fee

£0 - £249,999 £1,200

£250,000 - £499,999 £1,400

£500,000 - £749,999 £1,750

£750,000 - £999,999 £2,100

£1m+ to be agreed on a case by case basis

Purchase or part-purchase of a commercial property (including a transfer of a property into your plan)1 Other charges

Additional charges will apply in the following cases:

Sale or part-sale of a commercial property (including a transfer of a property out of your plan)

Additional charges will apply in the following cases:

Please note that all fees are subject to possible review, depending on the exact nature of the service provided, including but not limited to transactions of a more protracted/complex nature.

In the event a transaction aborts, fee will be charged in accordance with the value of time recorded subject to a cap equivalent to 80% of the solicitors’ fees for the particular transaction.

All fees are subject to VAT and any Stamp Duty Land Tax and disbursements (for example Land Registry fees and out of pocket expenses) will be payable in addition.

Solicitor fees The panel solicitors will all charge the same fees.

Please note:1 In Nothern Ireland, if the property is unregistered, there will be an additional charge of £850.2 In Scotland, a Farm Business Tenancy will be substituted by a Short-

Form Limited Duration Tenancy (£1,000) or a Limited Duration Tenancy (£1,500).

3 A connected tenant is a connected party as defined in section 993 of the Income Tax Act 2007, and includes close members of your family and any business with which you are associated.

Property What will I pay?

Condition Fee

If the property is a leasehold title or subject to an existing occupational lease

£250

If the property is a new build or unregistered

To be agreed at outset

If the property requires funding/mortgage via a high street lender

£350

If a new lease is required on completion (assuming the Tenant is connected and no negotiation of lease terms required)

£650

If the property purchase is by way of joint purchase/joint title with a declaration of trust required

£350

Value of property Fee

£0 - £249,999 £1,150

£250,000 - £499,999 £1,500

£500,000 - £749,999 £1,700

£750,000 - £999,999 £2,050

£1m + to be agreed on a case by case basis

Condition Fee

If the property is a leasehold title or subject to an existing occupational lease

£250 per lease

If there is a mortgage to redeem on completion

£150

Type Fee

Surrender of a lease Deed £500

Agreement £850

Lease reports First lease report included in costs for

Property purchase, any additional occupational lease reports charged at

£150 per occupational

lease

Rent deposit deed £450

Additional charge if the lender’s consent is required for any of the above or below

£300

Re-mortgage (copy of report on Title from Property purchase to be provided)

£1,350

Deed of Covenant or third party consent

£350

Connected tenant3 Unconnected tenant

New lease or Farm Business Tenancy for a wholly or partially owned property (does not cover negotiation of terms within the lease)

£850 £1,250

Renewal of lease (does not cover negotiation of terms within the lease)

£850 £1,250

Exclusion of security of tenure under the Landlord and Tenant Act 1954

£150 per declaration/statutory declaration

£150 per declaration statutory

declaration

License to assign a lease

£700 £850

License to underlet £700 £850

Deed of Variation £700 £850

License for alternations to premises under a lease £550 £650

Agreement for lease (minimum charge, fee to be confirmed once details of conditions known i.e. vacant possession, landlord’s works, planning permission, etc.)

£500 £750

Call charges will vary. We may monitor and record calls.If you’re contacting us by email, please remember not to send any personal, financial or banking information because email is not a secure method of communication.

Curtis Banks Pensions is a trading name of Suffolk Life Pensions Limited.

Suffolk Life Pensions Limited is authorised and regulated by the Financial Conduct Authority (number 116298) and is registered in England and Wales (number 1180742). Suffolk Life Annuities Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (number 110468) and is registered in England and Wales (Number 1011674). The registered address of both is as above.LF10212/Aviva (SLAV007.201905) May 2019

Curtis Banks 153 Princes Street, Ipswich, IP1 1QJ

T 0370 242 2271 T 0370 242 2272

curtisbanks.co.uk

(administration and general enquiries)(property)

Documents

PANEL OF SOLICITORS - AvivaPANEL OF SOLICITORS Approved for client use curtisbanks.co.uk For the Aviva Commercial Property Investment provided by Curtis Banks as part of a Pension