Charles Street Finance has appointed Thomas Ratcliffe and Louise Ward to support its ambitions to grow its lending portfolio to £1 billion.
Ratcliffe and Ward have been appointed relationship manager and customer retention manager respectively.
Ratcliffe joins Charles Street from his North West-based family development and investment business, Ratcliffe Property Group (RPG), where he led the Swan Green development of 30 homes in Lower Peover, Cheshire.
He will manage client relationships for Charles Street, supporting brokers, investors and developers.
Ward brings financial experience to her new role, having previously worked for HSBC as a personal banker and for specialist distributor 3MC as an underwriting manager.
In addition, the specialist lender, which provides flexible financing such as bridging and development loans, and commercial, semi-commercial and buy-to-let mortgages, has announced it has moved into its new premises in Cheadle Royal Business Park, Stockport.
Thomas comments: “In my new role, I will primarily provide bridge loans for acquisitions and, working with our development team, provide development exit loans as well as longer-term commercial financing.”
Meanwhile, Ward says: “At Charles Street I will be in a very interesting role working with all the different functions and stakeholders within the business, further supporting existing clients with short or longer term financing and providing the right solutions for them.”
“I’m joining an amazing and dedicated team as we move into our new headquarters – we already feel like a family.”
Carl Graham, Charles Street’s corporate relations director, added: “The new office is part of our continued growth and allows us to further expand our business. We continue to invest in young talent from the local community. We are big supporters of graduates and apprentices.”

