Chelsea Howsin

Chelsea is a Real Estate Finance Solicitor at Ronald Fletcher Baker, with over eight years of experience in the property sector, including more than six years specialising in real estate finance transactions. Her expertise spans commercial and residential property, secured lending, acquisitions, disposals, refinancing, transfers of equity, Houses in Multiple Occupation (HMOs), Assured Shorthold Tenancies (ASTs), refurbishment finance and property development loans.

Chelsea advises a diverse range of clients, including individual and corporate borrowers, banks and specialist bridging finance lenders. She manages transactions from initial instruction through to completion, providing clear, practical and commercially focused legal advice. Her responsibilities include conducting due diligence, reviewing and negotiating finance and security documentation, and ensuring transactions progress efficiently while complying with relevant legal and regulatory requirements. She acts for both borrowers and lenders on a dual representation basis where appropriate, as well as representing lenders independently, ensuring their respective interests are protected throughout the transaction.

Chelsea qualified as a Solicitor in 2025. She holds an LLM in Legal Practice from BPP University, graduating with Merit, and a 2:1 degree in Law with Criminology from the University of Brighton. She is also accredited under the Conveyancing Quality Scheme (CQS), reflecting her commitment to maintaining high professional standards.

Outside of work, Chelsea enjoys maintaining an active lifestyle through walking, going to the gym, yoga and Pilates. She also has a creative side, with interests in pottery, arts and crafts, and reading. Chelsea enjoys travelling, exploring new cuisines and is currently learning Spanish.

An interesting fact about Chelsea is that she independently studied A-Level Psychology in just six months, demonstrating her curiosity, self-motivation and enthusiasm for learning. She enjoys developing new skills and exploring different interests while maintaining a healthy balance between her professional life, wellbeing and creativity.

Expertise

• Financement de l'immobilier
• Propriété commerciale
• Propriété résidentielle

Expérience

• Acted on a refinance of a portfolio of 18 properties.
• Acted on a purchase of a bank within a two week period from instruction to completion.
• Acted on a £2m+ development loan for a residential property.