Michelle Collins

About Michelle

Michelle is Head of Secured Lending, with two decades of specialist experience in the field. Her career began at HSBC Bank in 2001 within their Securities Processing Department, and when that department closed she moved to Robertsons as a Legal Assistant for a newly established second-charge lender.

In 2007 Michelle relocated to Manchester and joined the legal department of a large, well-established second-mortgage lender. Following the 2008 credit crunch she moved to a Stockport law firm, supporting their expanding PPI mis-selling and credit-enforceability teams, and later contributed to the development of a new debt-management company. She returned to South Wales in 2013 and rejoined Robertsons, where she now leads the department supporting many of the UK’s largest secured-loan providers.

Having worked on both sides of the industry — for lenders and in firms acting against them — Michelle brings a uniquely balanced, commercially aware perspective. This dual experience allows her to understand lender priorities, anticipate legal and operational risks, and deliver solutions that are both compliant and pragmatic. Her core work involves assessing property titles and advising on the suitability and risk profile of security offered for proposed lending, ensuring clarity, compliance and commercial awareness throughout.

Michelle’s approach is hands-on and highly engaged. She stays closely involved throughout the entire process, communicating proactively and remaining available whenever issues need resolving or decisions need to be made — building strong, collaborative relationships where clients can rely on her not just for technical expertise, but for consistency, clarity and genuine partnership.

Areas of expertise