Archive for the ‘Uncategorized’ Category

Divorced Abroad? A Claim May Still Be Possible in England

Posted on: September 8th, 2025 by Ella Darnell

A recent ruling by the Court of Appeal in Potanina v Potanin has highlighted the possibility of pursuing financial claims in England following a divorce overseas. The case involved Russian billionaire Vladimir Potanin and his ex-wife Natalia Potanina, who had divorced in Russia in 2014. In the initial Russian financial settlement, the wife received only 1% of the total wealth of the couple. The wife was then granted permission by the English courts to pursue a claim for a share of Potanin’s UK-connected assets.

This decision underscores the principle that, where there is a genuine connection to England, such as habitual residence or domicile, a financial claim may be justified even after a foreign divorce.

Implications for International Divorcees

Increasingly, many families live abroad during a marriage or have a residence in multiple locations. Relationships between individuals of different nationalities is common place.

When a marriage fails, a divorce may take pace in a country which takes a very different view of fairness to England and Wales. While the Potanin case involved substantial wealth and high-profile individuals, the legal precedent it sets is relevant to a much broader group. UK nationals who have divorced abroad may still have grounds to seek financial relief in England, particularly if they have returned to live in the UK or hold assets here. This is especially pertinent in cases where the overseas settlement was limited or failed to account for UK-based assets, such as pensions or property.

UK Pensions: A Common Oversight

One of the most frequently overlooked issues in overseas divorces is the treatment of UK pensions. If a foreign court has divided assets, and the settlement is not challenged, a UK pension provider cannot implement a foreign order that delas with a UK pension. That can only be done through the English courts, so even if the terms of a settlement are acceptable it is necessary to deal with UK pensions via an application in the English courts.

Equally, in some countries, pension sharing is not a concept that exists, and so a stand alone claim dealing with pensions can be made.

This is particularly relevant for couples with modest wealth, where pensions may represent a significant portion of the marital assets. Without a UK court order, pensions may remain untouched, potentially leaving one party at a financial disadvantage.

The Role of Pre-Nuptial Agreements

Pre-nuptial agreements (PNAs) can play a role in limiting post-divorce claims, particularly when they clearly define jurisdiction and financial expectations. The jurisdictional difficulties of the Potanina v Potanin could possibly have been avoided with a well drafted PNA. While in high-net-worth cases, PNAs may be challenged, especially if one party claims they were disadvantaged in more typical scenarios a well-drafted PNA can offer clarity and protection.

If you would like to learn more about any of these issues, please contact one of the Family team

SDLT and Angela Rayner: Why Expert Legal Guidance Is Essential

Posted on: September 4th, 2025 by Alanah Lenten

Angela Rayner, the UK’s Deputy Prime Minister, has felt compelled to resign from her positions after admitting she underpaid Stamp Duty Land Tax (SDLT) on the purchase of a flat in Hove. In addition to leaving her positions, she also faces the prospect of a large tax bill, possible penalties, and significant reputational damage. The issue is said to have stemmed from relying on the wrong advice at the wrong time.

It’s an uncomfortable position for anyone—let alone a senior politician. But it serves as a timely reminder: the quality of advice you receive can shape the outcome, financially and personally.

Why the Angela Rayner SDLT Case Matters

Rayner’s position wasn’t straightforward. A divorce, a trust for her disabled son, and a court order all added layers of legal complexity. Added to that were the intricacies of SDLT and second-home surcharges. What might have seemed a simple property purchase quickly became a tangle of family law, tax, and trust issues.

This highlights a crucial lesson for anyone navigating property transactions or financial planning: joined-up legal advice is essential.  

The Importance of Joined-Up Legal Advice

A case like this demands a cross-disciplinary approach.

  • Family law specialists need to understand arrangements such as “nesting” (where children remain in the home and parents rotate in and out).
  • Private client and trust lawyers must consider how assets are held and managed.
  • Tax experts ensure SDLT and wider liabilities are dealt with correctly.

Missing any one of these angles can result in mistakes that are costly, stressful and time-consuming to fix.

Lessons for Clients Facing Complex Property Transactions

Rayner’s experience highlights the very real cost and risks of misplaced advice, not taking advice from experts in their field and the absence of joined-up guidance across relevant areas. Not taking the right advice at the appropriate time can mean years of stress, avoidable penalties, and lasting reputational damage.

For individuals and families navigating property purchases, divorce, trusts or tax planning, choosing the right advisors, with the right expertise, at the right time, makes all the difference.

How Lawrence Stephens Can Help with SDLT and Beyond

At Lawrence Stephens, we know that complex personal and financial situations demand a coordinated response. Our Family Law, Private Client and Trusts, Property and Tax teams work seamlessly together to provide advice that is practical, protective, and precise. Whether you are navigating divorce, planning your estate, managing wealth, or considering property transactions, our specialists ensure every angle is covered—so you don’t face the kind of pitfalls currently dominating the headlines.

Learn more about Stamp Duty Land Tax and how professional guidance can prevent mistakes by getting in touch with any of the below people.

 

Taylor Swift’s Engagement and Why Pre-nups Matter: From Love Story to Legal Story

Posted on: September 4th, 2025 by Alanah Lenten

Taylor Swift’s engagement has captured headlines around the world. As one of the world’s most successful artists, with a fortune estimated in the billions, it is almost certain that her lawyers will already be advising her on a prenuptial agreement before her marriage to Travis Kelce. But pre-nups are not just for celebrities or the ultra-wealthy. Increasingly, couples in England and Wales are considering a pre-nup before marriage to provide clarity, fairness, and peace of mind when planning their future together.

What is a Prenuptial Agreement?

A prenuptial agreement (often called a “pre-nup”) is a legal contract entered into before a marriage or civil partnership which sets out how assets will be dealt with if the relationship ends.

In England and Wales, pre-nups are not automatically binding. However, since the Supreme Court decision in Radmacher v Granatino [2010], the courts will usually uphold them provided:

  • Both parties entered into the agreement freely.
  • There was full financial disclosure.
  • Each party had independent legal advice.
  • The agreement is fair and does not leave one party in financial hardship.

When those safeguards are met, a pre-nup can be highly persuasive in financial proceedings.

Why Couples Choose a Pre-nup

Whether you’re planning a star-studded wedding like Taylor Swift or a smaller ceremony a Pre-nup can serve several important purposes:

  • Protecting pre-acquired assets – for example, a house one partner already owns and/or business interests.
  • Safeguarding family wealth – such as gifts from parents, inheritances, or stakes in a family business.
  • Providing for children from a previous relationship – ensuring assets are preserved for their future and protecting children’s financial security.
  • Clarity and certainty – reducing conflict, legal costs, and uncertainty if separation occurs.

Far from being unromantic, a pre-nup is not about mistrust. Pre-nups are about planning for marriage responsibly, just as you would plan the wedding day itself. Recognising that marriage has legal and financial consequences empowers you to enter into it with open eyes.

Common Misconceptions About Pre-nups

  • “Pre-nups are only for celebrities like Taylor Swift and the rich.”
    In reality, anyone with property, savings, or family wealth may benefit.
  • “Signing a pre-nup means you expect divorce.
    In truth, pre-nups are about planning for marriage responsibly, much like making a will is about planning for the future.
  • “Courts ignore them anyway.”
    Properly drafted pre-nups now carry significant weight with judges.

Lessons from Taylor Swift’s Engagement

Taylor Swift’s circumstances are at one end of the extreme: her assets include intellectual property rights, royalties, brand value, and ongoing income from her tours and music empire. But the principle is the same for all couples.

A pre-nup offers protection, transparency, and reassurance. Taylor Swift’s engagement is a timely reminder that love and financial planning can – and should – go hand in hand. Whether you are a 14 Grammy award-winning artist or simply planning your wedding day, it makes sense to protect your future.

Practical Points to Keep in Mind

  • Start early. Timing matters, so a pre-nup should be signed well before the wedding (ideally at least 28 days), so neither party feels rushed or under pressure.
  • Be transparent. Both partners must be open about their financial circumstances, so full disclosure is key.
  • Get independent legal advice. Each party should have their own solicitor.
  • Review Clauses. Circumstances can change; agreements can provide for review after children are born or after a certain number of years.

Our Advice

If you are engaged, entering into a marriage or civil partnership, it is worth considering whether a prenuptial agreement is right for you. These agreements can prevent uncertainty and protect both partners’ interests allowing you to plan a wedding with confidence and adhering to ‘we are never ever getting… disputes over finances’.

At Lawrence Stephens, we specialise in advising on prenuptial agreements and tailoring them to reflect your circumstances. If you would like to discuss your options, please contact our Family Law team today.

Managing Off-Duty Misconduct: A Guide for Employers

Posted on: September 2nd, 2025 by Natasha Cox

Senior Associate Emma Cocker explores how employers can address employee misconduct that occurs outside working hours, and the legal and reputational implications that may follow, in People Management.

Emma’s piece was published in People Management, on 29 August 2025.

Off the clock, still on the hook? Managing misconduct outside the workplace

As festival season comes to a close, many workers are letting down their hair at the likes of Glastonbury, Reading and Download. For many, attending a festival is the chance to enjoy some music with friends, but for others it can mean excessive drinking, taking drugs and anti-social behaviour.

While some deem their non-workplace conduct irrelevant, for attendees whose transgressions are witnessed by their employers, colleagues or clients, the consequences can be serious. Being seen to be excessively drunk or high is not how most companies want their employees to behave in public. This year, antisemitic chanting put Glastonbury and the BBC front and centre of serious concerns, with Sir Ephraim Mirvis (the Chief Rabbi) attacking the BBC for airing ‘vile Jew hate’ by the punk rap duo Bob Vylan, followed by some extremely disturbing and concerning TV close-ups of some of the audience chanting, “Death, death to the IDF”. 

So, what are the repercussions for the errant few who are caught engaging in such behaviour and how should employers respond?

While not all off-duty behaviour warrants intervention, actions that are criminal, breach company policies, or cause reputational damage, can be grounds for disciplinary measures. Such action will firstly involve a disciplinary investigation to determine whether there is a case to answer. If there is, a disciplinary hearing should take place at which the decisionmaker will consider all relevant evidence before deciding whether and how to discipline an individual.

Factors for employers to consider in relation to off-duty misconduct include whether the employee’s actions affect their ability to do their job, damage the employer’s reputation or create a hostile environment for clients or colleagues. If there is a no apparent connection, employers may struggle to justify disciplinary actions and disciplining an employee for conduct that has no clear effect on the company could lead to legal claims, such as unfair or constructive dismissal.

Possible reputational damage is the consequence most often touted by employers in justification for disciplinary measures. However reputational damage can be difficult to assess, and the potential impact will vary depending on the employee’s role and the particular workplace. Case law has thrown up some surprising results, with employees being held to be unfairly dismissed after carrying out what most would consider to be egregious behaviour.

To avoid claims of unfair dismissal, employers must genuinely believe that the employee has committed an act which either has or may cause reputational damage. They need to be careful in assessing the severity of the misconduct, the actual or potential impact on their business, and the employee’s role. In determining the merits of each case, employers need to navigate the fine line between individuals’ rights to a private life and the workplace, simultaneously maintaining standards and respecting employee rights. Equally, employees need to know where the boundaries are and what their employers expect from them to avoid stepping over the line. As such, employers should develop conduct policies, outlining expected behaviour outside of work, which should be communicated to all employees to ensure they understand their responsibilities. Social media policies should also be developed to draw to employee’s attention the impact of online behaviour on the company’s reputation. Regular training on professional conduct and the potential impact of off-duty behaviour should also be offered. This will help to encourage a culture of respect and professionalism both within and outside the workplace. When problems do arise, employers must monitor behaviour fairly and address misconduct promptly.

To find out more about employer obligations and how we can help, please click here

The Business of Football: Contracts, Transfers, and Legal Strategy

Posted on: September 2nd, 2025 by Natasha Cox

Player contracts and transfers: a sports lawyer’s perspective 

Speaking with The Times, Senior Associate Jake Cohen shares his expert insights on the complex and often surprising clauses negotiated in professional football players’ contracts.

Jake’s interview was published in The Times, 29 August 2025, and can be found here.

Speaking with The Times’ Football Reporter, Gary Jacob, Jake explains the features of a standard player’s contract – including wages, bonuses, contract length and options, wage-reduction clauses for relegation, signing-on fees and loyalty payments, agent payments, release clauses, buy-back options and image rights provisions.

Jake goes on to discuss bonuses offered in contract, with a notable example being goal bonuses multiplied by three if a player scores against the club’s main rivals. He also notes how many players want achievable bonuses rather than big payments linked to winning domestic or international silverware.

Asked about the most bizarre clauses he has seen in contracts, Jake observes that he had recently seen a bonus clause based on a player being awarded a rating of seven or higher in a match on a third-party statistics website – a highly unusual consideration.

Jake also explains the mechanisms involved in release clauses, more favoured by European clubs, and how this can impact transfers.

For Jake, transfer windows – and especially deadline day – can be extremely high-pressured situations. Last summer alone, Jake led work on 12 of 15 deals in a single day, including racing across the country to finalise a contract.

“Every minute is important,” he says – and when millions are on the line, expert advice is everything.

For more information on the work of Sports and Entertainment team, click here

A Landmark Case for Domestic Abuse Victim Protection in the Family Courts

Posted on: September 1st, 2025 by Alanah Lenten

We are proud to have represented the mother in a series of hearings culminating in M v F [2025] EWFC 257 (B), where the Family Court made robust and protective orders following serious findings of domestic abuse. This case marks a significant moment in the push for justice for victims of domestic abuse and the protection of children in private proceedings. This judgement comes at a crucial time for reform with the recent release of ‘Breaking the Silence: Kate’s Story’, an ITV documentary covering the case of Kate Kniveton (nee Griffiths) in her own campaign for justice in the family courts.

Across three hearings—fact-finding, costs, and final arrangements—the court accepted our submissions in full. All 14 allegations of abuse, including rape, coercive control, and sustained physical violence, were found proved at the fact-finding hearing. These findings formed the foundation for a comprehensive protective framework for the child and mother.

Key Outcomes

  • All 14 allegations proved.
  • Costs awarded in full against the father for reprehensible litigation conduct.
  • Child Arrangements Order granting the a ‘lives with’ order for the mother with an order for no contact with the father.
  • Specific Issues Order empowering the mother to make key decisions independently, including medical decisions and the ability to take the child abroad on holiday without the father’s approval.
  • Section 91(14) Order barring further litigation until 2030.
  • Indirect contact only between the father and the child, safeguarding the child and mother’s wellbeing. The extent of the indirect contact being limited to letters from the father to the child four times a year to be kept in a life story box and for the mother to update the father about the child three times a year with photographs.
  • The father was ordered to attend a Respect accredited domestic abuse perpetrators course and seek a therapeutic referral from his GP.

A Judicial Turning Point

This case stands out not only for its outcome but for the clarity shown by the court in recognising and responding to abuse. As Dr Charlotte Proudman, who represented MP Kate Kniveton (formerly Griffiths) in her own legal battle to speak out, observed:

“This judgment … shows a clear judicial willingness to make robust and unflinching factual findings in cases of rape, coercive control, and sustained physical abuse, and crucially, to ensure those findings directly shape protective child arrangements.”

The court’s decision to award full costs against the father, an unusual step in family proceedings, was a direct response to his reprehensible litigation conduct. The Section 91(14) order, preventing further applications until 2030, is longer than the norm and reflects the seriousness of the findings.

A System Under Scrutiny

This case echoes the urgent concerns raised in ITV’s recent documentary ‘Breaking the Silence: Kate’s Story’, which exposes the Family Court’s failure to protect victims of domestic abuse and children. The documentary highlights the need to repeal the presumption of parental involvement and to prohibit practices that risk retraumatising victims of domestic abuse, such as reunification therapies.

Our case demonstrates how the courts can—and must—use procedural tools to protect victims of domestic abuse and children. It is a reminder that safeguarding must be prioritised over outdated presumptions.

Courage and Precedent

Dr Proudman also reflected on the significance of this case:

“The award of full costs against the father for ‘reprehensible’ litigation conduct is unusual in family proceedings; likewise, the section 91(14) order, barring the father from making further applications without permission until 2030, which is longer than the norm. This is important precedent.”

“Procedural orders can, and should, be used to close down the legal avenues through which perpetrators seek to reassert control. This is such a testament to the extraordinary courage of the mother who, as a survivor of rape and abuse, not only protected herself but also acted decisively to safeguard her child.”

We echo this sentiment. The mother’s strength and resolve were instrumental in securing justice—not only for herself and her child, but for others who may follow.

Looking Ahead

This case is a reminder that the family justice system must evolve to meet the needs of victims of domestic abuse. It is our hope that decisions like this, alongside the voices raised in ‘Breaking the Silence: Kate’s Story’, will help shape a more protective, trauma-informed approach in the courts.

We remain committed to advocating for victims of domestic abuse and ensuring that the legal system serves those it is meant to protect.

Lawrence Stephens Sports Team Shortlisted for Outstanding Contribution to Global Football Industry

Posted on: September 1st, 2025 by Natasha Cox

The Lawrence Stephens’ Sports and Entertainment team has been shortlisted in the Best Legal/Professional Services Team category, and Senior Associate Will Bowyer has been shortlisted in the Football Industry Rising Star category at the inaugural Global Football Industry Awards, presented in partnership with the Daily Telegraph.

These awards recognise excellence off the pitch, whether through marketing, sustainability, sponsorship, grassroots development, diversity and inclusion, or investment in the sport. Nominations for these awards were made by professionals across the football industry, recognising the outstanding work and the dedication, insight, and relationships that Will and the team are known for.

The Global Football Industry Awards will take place on 20 November 2025 in London and will be hosted by global football icons Ian Wright OBE and Jamie Carragher. Founded by football players and industry leaders, the Global Football Industry Awards exist to recognise the often-overlooked heroes driving the game’s success behind the scenes. From grassroots initiatives to corporate partnerships, this event shines a well-deserved spotlight on the international business leaders, brands, and innovators who make football’s global impact possible. Judged by a panel of experts from across the game, the awards acknowledge those whose vision, dedication, and leadership are shaping the future of the sport.

To find out more about the work of our Sports and Entertainment team, click here

Lawrence Stephens Appoints Five Newly Qualified Solicitors

Posted on: September 1st, 2025 by Natasha Cox

Lawrence Stephens is delighted to announce the appointment of five newly qualified solicitors following the successful completion of their training contracts.

Please join us in congratulating:

Ewan Ooi – Banking

Heather Ramsey – Family

Sophie Robertson – Real Estate Finance

Alex Ronan – Real Estate Disputes

Alex Ruder – Banking

Steven Bernstein, Managing Director commented “Ewan, Sophie, Heather, Alex and Alex have each made a valuable contribution to the firm during their training and we are delighted that they will continue their careers with us. I am very much looking forward to seeing everything they will accomplish in the next few years (no pressure!).”

Lawrence Stephens acts for premium retailer MAKSU in securing lease of new flagship store on King’s Road, London

Posted on: August 28th, 2025 by zhewison

Lawrence Stephens has advised high-end retailer MAKSU on the lease of their new flagship store at 96 King’s Road, London, marking the brand’s second UK location and a significant step in its international expansion.

Founded in 2019, MAKSU is a Spanish-Turkish luxury womenswear brand known for its bold prints, timeless craftsmanship and Mediterranean-inspired elegance. The opening of this new store follows the successful launch of their first UK store in Mayfair in 2024, and it reflects the brand’s growing global presence and commitment to establishing a strong presence in London’s fashion landscape.

With MAKSU’s new flagship store location on the iconic King’s Road, they are positioned at the heart of one of London’s most prestigious and iconic retail destinations. Although ongoing economic challenges and concerns surrounding the future of the UK high street, MAKSU’s expansion into this prime location highlights the resilience of the luxury retail sector and affirms London’s status as a thriving hub for high-end fashion.

This deal was led by Head of Retail and Director Nickhil Mandora, with support from Solicitor Mohammad Hammoud. The deal is a further example of Lawrence Stephens’ position as a leader in the retail sector, having also recently advised major premium retail brands including Arc’teryx and Salomon.

Nickhil Mandora commented: “MAKSU have found a stunning new home on the King’s Road in London and we are delighted to have assisted them on the latest stage of their European growth. Cadogan’s focus on top-tier brands in this area is a strong endorsement of London’s position right at the top of the fashion market.”

For more information on the Retail team and their services, click here.

Emma Cocker Secures Policy U-Turn at Virgin Active Over Female-Only Spaces

Posted on: August 18th, 2025 by Ella Darnell

Following action by Emma Cocker, instructed on behalf of Michelle Dewberry, Virgin Active has confirmed it will now restrict access to women’s changing rooms to biological females only. This is a reversal of its previous changing room policy which allowed access based on a member’s self-determined ‘gender identity’.

Emma was instructed after Ms Dewberry encountered a man dressed in women’s clothing in the female changing room at her local Virgin Active gym. Feeling vulnerable and uncomfortable, she sought to clarify the changing room policy with Virgin Active staff who confirmed that the changing rooms operated based on ‘self-ID’ and that transgender members could use whichever changing room aligned with their ‘gender identity’. Follow-up correspondence yielded a similar response. Virgin Active later issued a statement:

“In accordance with UK law and industry guidance, we respect the choice of our members to use the changing room facilities based on the gender they identify with. We support and respect all our members and their safety and privacy remains our highest priority. We continue to ensure our policies remain legal, fair and inclusive.”

With support from Sex Matters, Emma sent Virgin Active a Letter Before Claim on the basis that its policy of allowing biological males to access a space labelled ‘female’ contravened the Equality Act 2010. This is because it indirectly discriminated against Ms Dewberry on the basis of her sex and her beliefs and subjected her to harassment related to her sex.

Following receipt of the Letter Before Claim, Virgin Active responded to confirm it would:

  • revise its policies and procedures so that only biological females could access female spaces;
  • update its signage to reflect the above;
  • clarify in its membership rules that ‘sex’ means biological sex, and;
  • provide training to staff to support them (and members) with policy compliance.

Read Sex Matters’ press release here.

What does the law say about single-sex spaces?

The Equality Act 2010 (“Act”) requires each sex to be treated no less favourably than the other. However, the Act does allow service providers to operate single-sex and separate-sex services, such as toilets and changing rooms, when they have a good reason to do so and the limited provision is a proportionate means of achieving a legitimate aim. In other words, the Act makes what would otherwise be sex discrimination (i.e. in the case of women-only spaces, discrimination against men) lawful. It is now well established that women’s safety, privacy and dignity is a legitimate aim and restricting access to biological females will often be a proportionate mean.

While some argue that trans women are women, in the recent case of For Women Scotland Ltd v Scottish Ministers [2025][1] the Supreme Court confirmed that the words ‘man’, ‘woman’ and ‘sex’ in the Act have their biological meaning.

The Court also confirmed that even where an individual has a Gender Recognition Certificate in the ‘acquired’ female sex, they remain a man for the purposes of the Act. The Court noted that, “…many women in a female-only changing room or on a women-only hospital ward or in a rape counselling group might reasonably object to the presence of biological males” and commented that, “it is difficult to see how the reasonableness of such an objection could be founded on possession or lack of a certificate”. As such, it makes no difference whether a person holds a Gender Recognition Certificate and present as the opposite sex; it is now clear that a service provider can only lawfully provide single-sex services and facilities if they do so on the basis of sex (i.e. biological sex, that being the only relevant meaning under the Act).

Why are single-sex spaces important and what should service providers do?

The topic of single-sex spaces has sparked a highly emotive debate. As such, it may be tempting for providers of goods and services to allow people to use whichever space aligns with their chosen identity in an attempt to avoid being labelled transphobic. However (and as recognised by the Courts) for women, access to single-sex spaces is crucial for reasons of safety, privacy and dignity and without such, many women will simply self-exclude from venues and activities.

Businesses and service providers ought to be aware that providing facilities which present as single-sex but operate on the basis of self-ID is unlawful and leaves them open to legal action which is likely to be costly and will cause reputational damage. Further, opting to provide solely mixed-sex facilities may amount to indirect sex discrimination against women who are more vulnerable than men, and are more likely to have their privacy and dignity violated in a mixed-sex space.

As such, it is prudent for all goods and services providers to maintain female, male and mixed-sex facilities where possible. Where that is not possible, providers should not opt for all mixed-sex spaces because they expose themselves to indirect sex discrimination and/or harassment claims under the Act.

If you require advice on how best to manage the issue of single-sex spaces and to protect your business against discrimination claims, contact Emma Cocker.

[1] 2 W.L.R. 879

Lawrence Stephens appointed to work with newly launched Afin Bank

Posted on: August 18th, 2025 by Ella Darnell

Lawrence Stephens is pleased to announce that we have been appointed to newly launched Afin Bank’s legal panel. 

Afin Bank was founded with a clear mission: to make it easier for underserved borrowers, such as people from diaspora communities living and working in the UK, to access mortgage solutions that truly meet their needs. 

For many of these customers, factors such as visa status or their UK credit history have created barriers to financial services. Afin Bank is changing that by creating a welcoming, inclusive environment where customers feel valued and supported throughout their financial journey. 

In addition to serving foreign nationals with a valid visa to work in the UK, Afin Bank is also committed to supporting any borrower struggling to get a mortgage of because of their circumstances, such as the self-employed. With a deep understanding of the challenges many people face, the bank has developed practical, accessible solutions designed to make a real difference. 

Lawrence Stephens is proud to be partnering with Afin Bank to provide specialist legal support. The firm’s Real Estate Finance team will advise on a range of matters, including mortgage lending, property transactions, and regulatory compliance, ensuring Afin Bank and its clients receive expert guidance throughout the lending process. With a shared commitment to accessibility and innovation, this collaboration aims to deliver solutions that empower borrowers and support sustainable growth in the UK property market. 

Nicola Tunney, Chief People and Operating Officer at Afin Bank, explained: “Our mission is to empower underserved customers, whether they’re foreign nationals wanting to put down roots in the UK, or self-employed workers looking for a bank that understands their circumstances. We want to help more underserved borrowers secure a home of their own. 

We’re proud to be working with Lawrence Stephens, whose Real Estate Finance team will provide expert legal support to both Afin Bank and our clients. Their experience and collaborative approach will be invaluable as we deliver accessible mortgage solutions to a broader range of borrowers.” 

Ann Ebberson, Head of Real Estate Finance at Lawrence Stephens, commented: “We’re excited to be working with Afin Bank, whose proactive and solution-led approach aligns closely with our own commitment to delivering exceptional outcomes for clients. Their mission to improve access to finance for underserved communities is both timely and important, and we’re proud to support that vision. This a strong and valuable partnership in today’s evolving lending landscape.” 

Gregory Palos, Head of Financial Institutions Sector at Lawrence Stephens, comments: We’re proud to be working alongside Afin Bank on their mission to make financial services more accessible to those who have traditionally been underserved. At Lawrence Stephens, we believe that everyone deserves the opportunity to own a home and build financial security. By combining our legal expertise with Afin’s inclusive and forward-thinking approach, we’re helping to remove barriers and support individuals and families on their journey to homeownership. 

For more information on our Banking and Real Estate Finance solutions please click here. 

Lawrence Stephens Secures Prime Chelsea Residential Lease for Sandersons London

Posted on: August 14th, 2025 by Ella Darnell

Lawrence Stephens is delighted to have acted for Sandersons London in securing a new lease of a residential building on Draycott Place, Chelsea.

With support from our real estate team, Sandersons have taken on a 10-year lease of the entire building, comprising of 10 units to be refurbished into high-class apartments, in a prime residential location in Chelsea. The lease was completed swiftly within just two weeks of instruction, ensuring a timely and smooth transaction process for Sandersons.

This transaction marks a significant milestone for Sandersons, as the Chelsea letting is the first step in their ambitious plans for building a portfolio of serviced apartment offerings. Lawrence Stephens looks forward to supporting them and continuing a strong relationship as a trusted legal adviser as they expand their property portfolio.

 Matthew Manowski, CEO of Sandersons London added:

“This Chelsea building is more than just our newest lease – it’s the cornerstone of a bold new chapter for Sandersons London. In taking on this prime Draycott Place address, we’re not only expanding into one of the city’s most desirable postcodes, but setting the stage for a curated collection of serviced apartments that redefine what high-class city living can be. Lawrence Stephens have been exceptional partners in making this happen in record time, and we can’t wait to bring our vision for these homes to life!”

You can read more about our real estate team and their services here.