Leasehold separation and refinance

Split of development stock into six investment loans.

Loan Amount

£1.5 Million



asset class


This property developer client contacted Sirius Property Finance seeking assistance on the refinance of their recently completed block of flats into separate leasehold titles. This would enable them to repay their outstanding development loan, while also raising funds for future investments.

In order to get the best outcome for the client, Sirius directly consulted the client’s tax advisors, advising them of a change to the company set up which would make them more tax efficient as well as more appealing to lenders. As a result, Sirius was able to secure £1.5m, £1m to be used to repay the existing development loan with the remaining £500k raised for their next development deal.


Charlotte Charlotte Stanford Senior Associate, Commercial Finance contact details 0208 092 4418
07753 430 618
In 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.