Leaders in Property Finance

Homebuyers, investors and developers local to South Wales and across the UK rely on Ramsay & White for help securing the right finance for their investments.

Reach out to us today to discuss mortgages and other property finance options.

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Our Services

Mortgages & Property Finance

Whether you’re a first-time homebuyer or a seasoned property investor, our team has the knowledge and experience to match you with the perfect property finance solution.

Residential Mortgages

Get the best residential mortgage deals available in the UK, with expert advice and support from our experienced mortgage advisors throughout the process.

Bridging Loans

Being on the property chain shouldn’t stop you from buying the perfect real estate. A bridging loan provides immediate funding for your purchase while you wait for your other property to sell.

Buy to Let Mortgages

Minimise the time and cost of getting a buy-to-let mortgage with our in-depth knowledge of the current market and extensive catalogue of mortgage options.

HMO Mortgages

We provide end-to-end support and personalised financial structuring for your house in multiple occupation (HMO) mortgage, helping you lay the foundations for a profitable, sustainable property venture.

Commercial Mortgages

Purchase trading premises or build a lucrative commercial property portfolio with a competitive commercial mortgage.

Development Finance

Finance large-scale construction and refurbishment projects at market-leading rates. Borrow up to £25m with up to 70% LTGDV for terms of one month to 5 years.

Holiday Let Mortgages

As an established mortgage brokerage, we offer competitive holiday let mortgage rates that let you afford your dream vacation property.

Secured Loans

Our diverse secured loan services and strategic financial strategies give you the means to fund home improvement projects or consolidate your debts with confidence.

Who We Help

Diversified Client Assistance

We extend our services to a range of clients, ensuring that individual investors, seasoned entrepreneurs and established businesses alike receive optimal, personalised financial strategies.

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Individual Investors

Bespoke property financing plans for individual property ventures.

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Entrepreneurs

Strategic advice to fuel entrepreneurial success in property investment.

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Businesses

Comprehensive services to navigate the intricate finance landscape..

Our Mission

Making Property Finance Simple, Transparent and Accessible

At Ramsay & White, our mission is to help you achieve your property goals by providing expert, comprehensive and individualised property finance solutions.

We strive to build long-lasting relationships by offering exceptional customer service, transparent and fair lending practices, and a wide range of innovative options to finance your property venture.

We’re committed to providing accessible and responsible financing, regardless of your credit history or financial situation.

Contact our Team

Fast and Simple Property Financing Ramsay and White

Why Ramsay & White?

When you choose Ramsay & White, you benefit from a customer-focused and personalised approach that gives you total peace of mind. You’re also free to choose your own level of involvement.

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Expertise

Our team of experienced professionals has a deep understanding of the UK property finance market.

Personalised Service

Every client's needs are unique. So we provide a bespoke service tailored to your individual circumstances.

Competitive Rates

As a leading expert in property finance in the UK, we have access to a wide range of mortgage products and lenders. This allows us to offer competitive rates and terms that may not be available to individual borrowers.

Streamlined Process

Our team will guide you through your mortgage application and approval process, making it as smooth and stress free as possible.

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Learn more about us

Don't just take our word for it

Our existing clients choose us for our outstanding customer service and ability to understand and anticipate their needs. Here’s what they have to say about working with us.

We have been using Ramsay & White as our brokers for a number of years now. They have covered all of our lending requirements from buy-to-let, commercial to bridging. The knowledge and professionalism are second to none. I would highly recommend Ramsay & White.

Jeannette Linfoot

A very big thanks to Paul and Jordan at Ramsay & White. These guys provide an excellent service. Very professional and always available to answer questions or give advice. If you are looking for investment property finance then look no further.

Steve

Great service from Ramsay & White as always. Professional, full of knowledge and the best way to help investors that need finance, From bridging loans to mortgages and more the customer service will keep you coming back time after time.

Allan Harding

Ramsay & White have done a fair few mortgages for us in the past and they have never disappointed. A special mention goes to Dean and Lynsey. We are very thankful to them both for making our lives easier when it comes to remortgages and the purchasing of new properties.

Mamta K.

Worked for Joel and the whole team for over 4 years now. Residential, commercial and bridging finance. Always super professional, quick, efficient, helpful and on the end of a call anytime. Highly recommended and we see them as an extension of our own team.

Steven Pardoe

Special thanks to Olly & Will for helping me as a first time buyer. Replies were prompt and they provided me with regular updates. Completely put me at ease, they explained the process and how to get the best deals! Would highly recommend, great customer service.

Alice Evans

What an excellent, professional and friendly service. Ramsay & White have helped us launch our Property Investment business, and done so with guidance and support along the way. Here is to many more deals. Thank you

Alex Johnson

Glad I used Ramsay & White (Jordan and Dean in particular) for a BTL mortgage. They were professional and responsive, and I was able to get an offer from the bank in timely manner. I would highly recommend R&W, they are great!

Emmanuel Unuigboje

Ready to Scale Your Property Business?

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News & Updates

Latest on Property Investing, Development & Finance

Bridging

Property Investment

News

UK Bridging Loan Market Sees Record Growth in Q2 2024

Discover the factors behind the record growth in the UK bridging loan market during Q2 2024.

Read the full Article

Property Development

How to Leverage Development Finance for Maximum Returns

Explore the key aspects of leveraging development finance effectively to achieve maximum return on investment.

Read the full Article

Bridging

Property Investment

Property Development

Unlocking Potential: Portfolio Restructuring with Bridging Finance

Portfolio restructuring can be a powerful tool in optimising your investments, and bridging finance offers a flexible and efficient means to facilitate this transformation.

Read the full Article

View more articles

More About Ramsay & White

Discover the essence of Ramsay & White, our ethos, our journey, and how we can be the catalyst for transformative changes in your financial and property endeavours.

About Us Meet the Team

two men sitting at a table with a laptop

Mortgages & Property Finance

Residential MortgagesGet the best residential mortgage deals available in the UK, with expert advice and support from our experienced mortgage advisors throughout the process.

Bridging LoansBeing on the property chain shouldn’t stop you from buying the perfect real estate. A bridging loan provides immediate funding for your purchase while you wait for your other property to sell.

Buy to Let MortgagesMinimise the time and cost of getting a buy-to-let mortgage with our in-depth knowledge of the current market and extensive catalogue of mortgage options.

HMO MortgagesWe provide end-to-end support and personalised financial structuring for your house in multiple occupation (HMO) mortgage, helping you lay the foundations for a profitable, sustainable property venture.

Commercial MortgagesPurchase trading premises or build a lucrative commercial property portfolio with a competitive commercial mortgage.

Development FinanceFinance large-scale construction and refurbishment projects at market-leading rates. Borrow up to £25m with up to 70% LTGDV for terms of one month to 5 years.

Holiday Let MortgagesAs an established mortgage brokerage, we offer competitive holiday let mortgage rates that let you afford your dream vacation property.

Secured LoansOur diverse secured loan services and strategic financial strategies give you the means to fund home improvement projects or consolidate your debts with confidence.

Diversified Client Assistance

Individual Investors

Entrepreneurs

Businesses

Making Property Finance Simple, Transparent and Accessible

Why Ramsay & White?

Expertise

Personalised Service

Competitive Rates

Streamlined Process

Don't just take our word for it

Ready to Scale Your Property Business?

Latest on Property Investing, Development & Finance

UK Bridging Loan Market Sees Record Growth in Q2 2024

How to Leverage Development Finance for Maximum Returns

Unlocking Potential: Portfolio Restructuring with Bridging Finance

More About Ramsay & White

Residential Mortgages

Get the best residential mortgage deals available in the UK, with expert advice and support from our experienced mortgage advisors throughout the process.

Bridging Loans

Being on the property chain shouldn’t stop you from buying the perfect real estate. A bridging loan provides immediate funding for your purchase while you wait for your other property to sell.

Buy to Let Mortgages

Minimise the time and cost of getting a buy-to-let mortgage with our in-depth knowledge of the current market and extensive catalogue of mortgage options.

HMO Mortgages

We provide end-to-end support and personalised financial structuring for your house in multiple occupation (HMO) mortgage, helping you lay the foundations for a profitable, sustainable property venture.

Commercial Mortgages

Purchase trading premises or build a lucrative commercial property portfolio with a competitive commercial mortgage.

Development Finance

Finance large-scale construction and refurbishment projects at market-leading rates. Borrow up to £25m with up to 70% LTGDV for terms of one month to 5 years.

Holiday Let Mortgages

As an established mortgage brokerage, we offer competitive holiday let mortgage rates that let you afford your dream vacation property.

Secured Loans

Our diverse secured loan services and strategic financial strategies give you the means to fund home improvement projects or consolidate your debts with confidence.