Ramsay & White

17/06/2026

Free Property Investor & Developer Networking Event

Join us on Wednesday 8th July for an evening of networking, industry insights and expert speakers in Bristol.

Hosted by Ramsay & White and Black & White Bridging, this free event is designed for property investors, developers and property professionals looking to grow their network, build valuable connections and gain practical market insights.

Hear from experienced industry experts covering topics including property finance, tax planning, development, investment strategy and the latest opportunities within the property sector.

Speakers include:

• Joel White – Founder, Ramsay & White
• Mark Barrett – Property Tax Advice
• Mike Underwood – Black & White Bridging
• Alex Picton-Hayes – Regional Lead Director, Monitoring Surveying Cardiff & Bristol, Watts Group
• Jim Haliburton – HMO Daddy - Jim Haliburton

Whether you're an experienced investor, active developer or looking to take the next step in your property journey, this is a fantastic opportunity to learn from industry leaders and connect with like-minded professionals.

📅 Wednesday 8th July
🕡 6:30pm – 9:30pm
📍 Black & White Bridging, York House, Building 1300, Parkway North, Stoke Gifford, Bristol, BS34 8YU

The event is completely free to attend.

To register your place, click the link below:

16/06/2026

How much money do you actually need to start a buy-to-let? 🔵

It’s not just the deposit.

That’s usually the starting point, but there are a few other costs that need factoring in.

You’ve also got:

• Stamp duty
• Legal fees
• Mortgage costs

And it’s sensible to have a buffer for anything unexpected.

In reality, most people need closer to 30–35% of the purchase price to do it properly.

That’s where a lot of first-time investors get caught out.

They focus on the deposit, but don’t plan for the full picture.

Getting clear on this early makes a big difference.

It helps you approach deals properly, avoid surprises, and move with more confidence when the right opportunity comes up.

If you’re planning your first buy-to-let, or want to understand what you’ll realistically need, we can help you break it down properly 🔵

13/06/2026

🔵 Bridge-to-Let finance is becoming more popular and it’s easy to see why.

For a lot of property investors, one of the biggest benefits is knowing what the longer-term plan looks like before you even complete the purchase.

Instead of taking out short-term finance and then worrying later about how you’ll move onto a normal mortgage, both parts are considered from day one.

That can help investors:
•⁠ ⁠Move quicker when opportunities come up
•⁠ ⁠Renovate with more confidence and fewer delays
•⁠ ⁠Plan cash flow more clearly
•⁠ ⁠Hold onto properties long term after the work is finished
•⁠ ⁠Reuse capital faster for the next project

We’re seeing it work particularly well for:
•⁠ ⁠Auction purchases
•⁠ ⁠Below market value opportunities
•⁠ ⁠Properties needing light refurbishment
•⁠ ⁠Homes being improved before being kept as rentals

When the finance is planned properly from the start, projects tend to move much more smoothly.

If you’re looking at a deal and want to sense-check the finance before you commit, feel free to get in touch.

09/06/2026

Buy-to-Let Deposits: Explained Simply 🔵

For a buy-to-let, most lenders will expect around a 25% deposit.

That means:

A £200,000 purchase
is typically around a £50,000 deposit.

It’s a useful benchmark
when you’re starting to look at deals.

But it’s not always fixed.

Some properties will need more than this,
depending on the type of property, the deal, and the lender.

That’s why it’s one of the first things to get clear on.

It helps you understand what you can realistically buy
before you start viewing or making offers.

If you’re planning your first buy-to-let, or want clarity on what you’ll need, Ramsay & White can help you map it out properly 🔵

06/06/2026

We're delighted to have been named Specialist Buy to Let Broker of the Year at the Bridging & Commercial Awards 🔵

It's a fantastic achievement for the team and recognition of the expertise, experience and commitment that goes into supporting our clients every day.

Property finance isn't always straightforward. Many of the cases we work on involve complex structures, specialist lending requirements or challenges that require a tailored approach.

Our role is to find solutions, structure deals effectively and help clients move forward with confidence.

02/06/2026

🔵 Ramsay & White helps developer refinance project after build delays

Another development refinance completed for a client after unexpected delays during the build.

The client had purchased two neighbouring properties using development finance, with plans to renovate and sell both homes. However, unforeseen issues during the project pushed the build behind schedule, leaving:

• One property completed and on the market
• One still requiring around £70k of works
• The original bridge nearing expiry

Although the existing lender was able to offer an extension, the client felt a longer-term solution would provide more flexibility to comfortably finish the project and complete both sales.

We therefore secured an £840k re-bridge facility which:

🔵 Repaid the existing lender
🔵 Funded the remaining works
🔵 Allowed the client breathing room to finish the project properly
🔵 Kept the overall development profitable

The structure was based on:

• £1.1m current market value
• £1.25m GDV

Development projects don’t always run perfectly to schedule. The key is having enough flexibility and the right structure in place when challenges arise.

Well done to Alec who worked on the deal 👏

If you’re working on a development project and want to sense-check the structure or refinance options, feel free to get in touch with the team.

Link -

Ramsay & White has arranged an £840,000 re-bridge facility to support the refinance of a delayed residential development project, giving the borrower

31/05/2026

We’ve just released our new Buy-to-Let Guide 🔵

It covers the fundamentals, but more importantly, it focuses on how deals actually work in practice.

Buy-to-let is often seen as straightforward.
In reality, the outcome comes down to how the deal is structured.

Inside the guide, we break down:

• How much you can typically borrow (and what actually drives it)
• Why rental income matters more than personal income in many cases
• The role of refinancing in building momentum
• Different strategies, from single lets to HMOs and portfolios
• The key costs, risks, and what lenders really look at

If you’re looking to start or scale a portfolio, it’s worth understanding how all of this fits together before you move.

You can read the full guide here:

The ultimate FREE buy-to-let guide for new landlords and property investors. Find out everything they need to know as a first-time Landlord...

27/05/2026

Case Study: £1.45m Property Portfolio Acquisition 🔵

This was a more complex portfolio transaction involving the acquisition of a limited company holding 8 investment properties.

Rather than purchasing the properties individually, the client acquired the SPV itself, allowing the existing company structure to remain in place whilst also creating a potentially more efficient acquisition from a tax and transaction cost perspective.

The portfolio had a combined market value of £1.9m, with an agreed acquisition price of £1.45m.

The challenge wasn’t just securing funding.

It was making sure the structure worked correctly around the company acquisition, whilst also putting a clear refinance strategy in place from day one.

We worked closely with the lender to structure a bridging facility that allowed the client to complete the acquisition smoothly, with a refinance onto a long-term Buy-to-Let product planned at full market value afterwards.

The result:
🔵 £1,216,585 facility secured
🔵 8 investment properties acquired within the existing company structure
🔵 Portfolio valued at £1.9m
🔵 Desktop valuation accepted by the lender, helping reduce delays and keep the deal moving efficiently
🔵 Clear refinance exit onto a long-term Buy-to-Let product

A good example of how larger portfolio deals often come down to structure, lender relationships and having a clear plan from the outset.

Well done to Paul and Will for getting this one completed.

If you’re working on a portfolio transaction or complex property deal and want to sense-check the structure, feel free to get in touch.

Link:

Ramsay & White has completed a £1.45m portfolio acquisition involving the purchase of shares in an SPV holding eight investment properties. Rather

24/05/2026

A lot of investors overlook semi-commercial property.

But mixed-use deals can create some really strong opportunities.

Things like shops with flats above, or commercial units with residential income attached.

One of our trusted lenders has just launched a new Semi-Commercial Buy-to-Let product with up to 75% loan-to-value and loan sizes up to £3 million.

These deals can be more complex than standard Buy-to-Let, so lender choice and structure matter massively.

If you’re looking at a semi-commercial deal and want to understand what’s possible from a finance point of view, feel free to get in touch.

19/05/2026

Most investors put huge amounts of effort into the refurb…

Then lose thousands at the refinance stage because of mistakes they didn’t even realise they were making.

From what we see day to day, a lower-than-expected valuation is often decided long before the surveyor ever walks through the door.

In this video, Joel breaks down:

🔵 The 5 biggest refinancing mistakes property investors make
🔵 Why some investors leave capital trapped in deals
🔵 How lenders and valuers actually look at projects
🔵 What you can do to improve your refinance outcome before the refurb is even finished

A good refinance isn’t just about the end valuation. It’s about how the whole deal is structured from the beginning.

Watch:

📞 Book a free strategy call to discuss funding for your next property deal: https://bit.ly/ramsayandwhitecontact📊 Download your free guide to Buy-to-Let In...