Ramsay & White

10/05/2026

“Ramsay & White sourced mortgage solutions where my previous broker couldn’t.” 🔵

“My previous broker was unable to place three mortgage cases with suitable lenders.

Paul was able to source competitive mortgage products for all three, including multi-unit freehold blocks leased to registered providers and a non-standard construction property.

Since then, Paul has continued to arrange finance for a significant number of properties, and we’ve achieved exactly the outcomes we were hoping for.”

Neil Brown - Property Investor 🔵

06/05/2026

Securing Your First Buy-to-Let 🔵

Buy-to-let mortgages work differently.

Lenders don’t really focus on your monthly spending.

They focus on the property.

The key question is simple:

Does the rent cover the mortgage?

And not just at today’s rates.

They’ll stress test the rent against higher rates
to make sure the deal still works if things change.

Once you understand that, everything becomes a lot clearer.

It’s less about personal affordability
and more about whether the property stands up on its own.

If you’re looking at your first buy-to-let, or want to talk a deal through, Ramsay & White can help 🔵

03/05/2026

Is UK property investing still worth it in 2026?

Joel shares how the market is shifting, where the opportunities are, and what investors should really be focusing on right now.

It’s less about timing the market, and more about how you structure the deal and the long-term plan behind it.

3 likes. "Is UK Property Investing Still Worth It In 2026?"

30/04/2026

Bank of England Holds Rates at 3.75% 🔵

The Monetary Policy Committee (MPC), the group at the Bank of England responsible for setting interest rates, voted 8–1 to hold.

The decision was widely expected. All 62 economists polled by Reuters predicted no change. One member voted for a rise to 4.0%.

Why the hold?
The MPC is balancing two things:

• Inflation pressures building again, partly from rising energy costs
• Weak UK growth, with forecasts now under 1% for 2026

What it means for you
Mortgages & BTL: Several lenders have already moved fixed rates back below 4% to compete for business. Expect that competitive pricing to continue.

Bridging & development: Short-term finance pricing should stay stable in the near term, a useful window for active projects.

Looking ahead: Markets are pricing in hikes later this year. Governor Bailey says those bets are premature. The smart move is to plan for both, lock in if you're refinancing soon, and act decisively if you're acquiring.

Need to talk it through?
Whether you're refinancing, raising bridging, or structuring a development facility, we'll find you the right deal.

Breaking: Bank of England Holds Interest Rates at 3.75% in 8-1 Vote The Bank of England's Monetary Policy Committee (MPC) has today voted 8-1 to keep the base rate on hold at 3.75%, marking the third consecutive meeting without a change. The decision, announced at 12:00 BST as part of the Bank's "Su...

28/04/2026

Case Study: Grade II Listed Building Refinance 🔵

This was a complex one.

The client had purchased a Grade II listed building for £120,000 initially, despite it previously being marketed at £445,000.

They came to us to refinance after struggling to secure funding through other brokers.

The challenge wasn’t just the asset.
It was how the deal was being structured and positioned.

We reworked the approach, focusing on the new value and working closely with one of our strategic lending partners.

The result:

– Valuation came in at £995,000 (above the £875,000 expected)
– £200,000 facility secured for improvements
– Holiday let use approved within the structure
– 9 residential units and 1 holiday let now positioned properly

A strong uplift, and a deal that others couldn’t place.

Well done to Paul and Lewis for getting this one over the line.

This is where structure and lender relationships make the difference.

If you need support with property finance, feel free to get in touch.

23/04/2026

The Renters’ Rights Act is coming – here is what you need to know 🔵

Key changes from 1 May 2026.

And it’s going to change how landlords operate.

A lot of people are treating this as just another compliance update.

But it’s more than that.

It’s a shift in how portfolios are assessed, how tenants are managed, and how deals are structured going forward.

Key changes:

• Less flexibility with Section 21
• More control around rent increases
• More conservative lending assessments

For well run portfolios, this isn’t a negative.

Lenders are placing more value on stability and strong structure, which puts the right landlords in a stronger position.

If you’re unsure how this affects your current setup or a deal you’re looking at, feel free to comment or get in touch.

We can arrange a free strategic call with our Founder, Joel, and talk it through properly.

22/04/2026

In the First Quarter of 2026 we submitted over £75 million in lending…

Some of the results from the R&W Group:

•⁠ ⁠388 applications across the team
•⁠ ⁠43 properties instructed for sale
•⁠ ⁠190 offers received
•⁠ ⁠233 properties now under management
•⁠ ⁠15% growth in assets under management (IFA arm)
•⁠ ⁠2.1 million views on properties across our social channels

Thank you to the team, clients and professionals we work with on a daily basis.

21/04/2026

Scaling HMOs in 2026 🔵

We recently ran a webinar focused on how investors are actually finding, refurbishing, and exiting HMO deals to scale their portfolios in today’s market.

The session walked through the full process in a practical way, from sourcing opportunities and structuring the deal, through to refurbishment and ultimately the exit.

We also covered how funding fits into each stage, what lenders are really looking for, and how investors are positioning deals to keep momentum across multiple projects.

A big thank you to Joel, Dean, and Heather for sharing real insight and experience throughout.

If you missed it, you can watch it back here:
https://youtu.be/1IDKdQvNbr0?si=CP6RkF8RgssDWl7v

Stay tuned, we’ll be running a new webinar all about social housing soon.

If you’ve got a deal in mind and want to sense check it, just drop us a message.

Finding, Refurbishing & Financing HMOs | Full Webinar

16/04/2026

WEBINAR TODAY: Maximising Income from HMOs 🔵

We’ve had a huge number of people sign up already.

If HMOs aren’t delivering the returns you expected, it’s usually down to the structure behind the deal.

Wrong property, overcooked refurb, or finance that limits your next move.

In tonight’s session, we’ll break down how experienced investors are approaching HMOs to maximise income and scale properly.

📅 Today
🕖 7:00pm
🎟️ Free to attend

Last few spaces:
links.ramsayandwhite.com/WebinarMaximiseHMOs

14/04/2026

This is our new head office in South Wales 🔵

We bought the building and completely renovated it, bringing it back to life and shaping it around how we actually work day to day.

It’s a four-storey space built with purpose.

– a reception for clients coming in
– an admin hub keeping things moving behind the scenes
– dedicated broker spaces for day-to-day deal flow
– and areas for the team to step away when needed

Every part of it has been thought through, not just how it looks, but how it supports the team and the work we do for clients.

As the business continues to grow, it felt like the right time to invest in something more permanent.

Another step forward for us.

We appreciate all the support 🔵

13/04/2026

Bridging Finance for Refurbs & HMO Conversions 🔵

We recently ran a webinar on how bridging finance can be used across refurbishments and HMO conversions.

It covered how investors and developers are actually using it in practice, whether for auction purchases, value-add projects, below-market-value opportunities, or converting to HMOs.

We also looked at how the right funding structure can help you move quickly, add value, recycle capital, and keep momentum across multiple projects.

A big thank you to our guest speakers as well for sharing real insight and experience throughout the session.

If you missed this one, you can watch it back here: youtu.be/1Gm-YHiW3hs?si=FDOH7TAl74zpq77r

We’re running another webinar this Thursday focused entirely on HMOs.

If you’d like to join, you can register here: links.ramsayandwhite.com/WebinarMaximiseHMOs

📞 Book a free discovery call to discuss funding your next property deal: https://bit.ly/4vjHVjm📊 Download your free Guide to Bridging Finance: https://bit....