Following completion of the development, the client needed to refinance a block of 94 student apartments to retain the asset. The existing debt included mezzanine finance and totalled over 70% LTV thus it was crucial that the arrangement fee be added to the new loan in order to cover repayment. As the scheme had only very recently completed during COVID-19 lockdown, the volume of student occupation was lower than anticipated therefore they needed the bank to lend against anticipated post-COVID-19 occupancy. Sirius worked closely with the valuer for them to support the viability of this and were able to secure a first charge commercial mortgage for the freehold.
Senior Associate, Commercial Finance
0208 092 4418 07753 430 618 email@example.comIn 2019 Sirius welcomed Charlotte to the commercial team, to specialise in debt advisory for trading businesses and investment properties. She prides herself on looking beyond the norm and thinking creatively for her clients to present them with the best available options, often including solutions they had not thought possible.
Charlotte has been in the industry since 2015, during which time she has achieved a CeMap qualification. She started out in Business Development and Administration roles for the commercial and bridging team of a brokerage and packaging firm, before transitioning in to a debt advisor role. She has since carved herself a solid reputation for offering a thorough, personable and efficient service to borrowers and lenders alike - earning her a strong repeat client base.
Her expertise lie in BTL mortgages for portfolio landlords and specialist properties including HMOs, unsecured business loans, regulated and unregulated bridging loans. She is most passionate about assisting trading businesses scale their operations and realise their goals through strategic financing, having successfully helped many clients out of financial hardship and into a thriving trading environment.
Charlotte's passion for helping others does not stop with finance as she has a keen interest in human psychology and well-being. With a 'Thrive' mental health programme mentor qualification, she is well equipped to truly empathise with her clients and leverage these skills to successfully work with all professional parties involved in a transaction to achieve a solution that works for all.
To discuss an opportunity with our team please get in touch.
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