Lawrence Stephens

We are a *team of bright minds

Stavros Theophilou

Real Estate Finance & Banking
Practice areas:
Expertise includes:
  • Bridging & Development Loans
  • Portfolio Buy-to-let Finance
  • Secured Lending
Other languages spoken:
Stavros Says:
"I use a commercial and diligent approach to achieve exemplary results that exceed my clients' goals and expectations."

Meet Stavros

Stavros has developed a strong reputation within the industry for his exceptional legal expertise and quality of client service, having recently been named in Bridging & Commercial’s 35 Under 35 Power List 2020.

He is also the solicitor of choice for a reputable peer-to-peer lender and has represented them in over 200 bridging transactions over the course of the last five years.

Stavros has extensive experience in acting for bridging and term lenders, challenger banks, private lenders and peer-to-peer lenders across a wide range of property transactions, including acquisitions, refinances of large residential and mixed-use portfolios and development finance.

In addition to Stavros’ expertise in secured lending transactions, he also routinely acts for a range of individual investors and trading businesses occupying properties across residential and commercial property transactions.

Highly valued by his colleagues and clients for his unrivalled dedication and expertise, Stavros has been selected for secondments with two challenger banks, the most recent in September 2020, which has enabled him to gain vital access to secured lending processes from an internal financial and commercial banking perspective.

Outside of the office Stavros enjoys playing and watching all things football-related, insisting he is a longstanding Arsenal fan, albeit he switched allegiances at the age of 8 from their local rivals.

Experience highlights 

  • Acting for a challenger bank in a matter involving a credit facility of £10m made available to a borrower to acquire and fit-out properties for children with learning difficulties.
  • Representing a bridging lender on their largest loan to date, a £1.78m loan secured over a grade 1 listed castle in the Southeast used as a high-end wedding venue, assisting a borrower with cash flow and further time for the property to be marketed and sold.
  • A loan in excess of £20m acting for an established lender client where the total loan was split into loan facilities, securing multiple properties, including 16 leasehold flats in a newly created building, mixed use properties, and three new build houses.
  • Acting for a longstanding bridging lender, on a £4m short term loan secured against a large golf course in Hamptworth and supported by second charges on several high-end residential properties in London.