“Joel and his team make you feel important, they go out of their way to ensure they respond swiftly, with recommendations and insight into the art of creating the ideal finance package. As they are also property investors themselves, it was so simple to talk through our thoughts, and for Joel to provide examples and anecdotes of how others have been successful or have avoided certain paths.  If you haven’t reached out to Ramsay and White, I’d recommend you have a chat with them as they have finance options which you may not have previously considered.”
Rob Neep, Director, TANDM Property

“Joel impressed me with his pragmatic, knowledgeable approach the first time I heard him give a finance market update at a local property meet. Via Joel I went on to secure a bridging loan for the purchase of a block of flats which needed to be renovated.  Joel made the whole process easy – he had a good relationship with the finance company involved and also unblocked any minor obstacles or misunderstandings along the way. In addition, Joel has kept in touch with me during the renovation process and we are now organising for him to come and visit the site towards the end of the renovations, so that he can then talk knowledgeably to commercial lenders for me and we can arrange suitable finance in good time before my bridging ends .I feel that Joel offers a level of service that I simply cannot find with most brokers.  He also thinks strategically about portfolios and portfolio planning, so I value his input going forwards.  I recommend Joel and would be happy to provide any further information if required.
Carol Rea, Property Investor, Director at Casa Ribeiro Ltd


“I first met Joel White at a property networking event a couple of years ago and he has been my go to person ever since – personable, knowledgeable & consultative – offering a great level of service and always open to discussing relevant and suitable products available dependant on the property type and finance product required – he is well connected and has always understood fully my requirements from the first conversation to the last. Joel is always my first point of call to help Limestone Property Investments Ltd on our property investment journey. We wouldn’t hesitate to recommend Joel given the opportunity.”
Steve Guest, Director at Limestone Property Investments Ltd


“Joel is great to work with and has a solid understanding of the different finance packages available from both mainstream and specialist lenders. An investor himself, he is also well versed in the creative ways in which different deals can be structured which makes him a trusted advisor for all types of property investors and developers.”
Katie Hutt, Director at Hecsagon Ltd


“We have been working with Joel for a few deals now and he has been a very helpful. He is always on hand and ready to assist us no matter what time of day. Highly recommended.”
Alex Witts, Director at Promenade Property Investments Ltd

“Joel has been a significant part of my property journey providing me with not only an excellent brokerage service, but also an unlimited source of knowledge, experience and advice. Joel is always contactable to answer any questions or queries I have and draws on a broad experience of BTL, Commercial, HMO, SA and Development finance products to always provide the best solution. My latest deal, an auction purchase of a block of flats with a 2 week completion deadline would not have progressed without Joel who sourced for me bridging finance to buy the deal and we are just closing a commercial mortgage which permits SA within the block. If you are looking for a broker who provides the best deals, a consultative and proactive approach and a generally nice guy – look no further than Joel!”
Ben I’Anson, Property Investor and Portfolio Landlord


“Have been working with Joel for a year now and very thankful that we were introduced to him by a friend. After a negative experience with a previous broker Joel’s diligence, creativeness and empathy, particularly when I can be a difficult customer when stressed is second to none. Thank you Joel.”
Philip Jordan, Director at Promenade Property Investments Ltd

“I have used Joel for a couple of deals now and will continue to do so. As my property business grows the importance of working with a knowledgeable and dependable broker will be paramount. Joel is all of the above and more,! It’s exciting to see him making a success of his own brokerage company. I will continue to recommend his services to all who ask me. Thanks for all of your help, past and future!”
Joe Lowton, Property Investor

“I have found Joel to be very responsive, always helpful and able to find solutions. What separates his firm from others is that he has a good relationship with lenders, meaning we can get prompt feedback from key decision makers on tricky matters. I have, and will continue, to recommend Joel to others.”
Rahul Joshi, Property Investor

Ramsay & White:

T: 02921 111280

E: enquiries@ramsayandwhite.com

Ramsay & White Estate Agents:

T: 01443 803510

E: contact@ramsayandwhite.com

Head Office:

13-14 Neptune Court

Vanguard Way

Cardiff, CF24 5PJ

London Office:

8 St James Square

London, SW1Y 4JU

Opening hours:

Monday to Friday   09:00 - 17:00
Saturday & Sunday       Closed


We are members of the

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Ramsay & White Ltd. Number 814110 - is an Appointed Representative of New Leaf Distribution Ltd. who are authorised and regulated by the Financial Conduct Authority. Number 460421.

Your home may be repossessed if you do not keep up repayments on your mortgage. Ramsay & White Ltd is registered in England and Wales. Company number: 11127743. Registered office 13-14 Neptune Court, Vanguard Way, Cardiff, UK, CF24 5PJ.

A fee may apply for mortgage advice and, if applicable, you must ask your adviser for details before making any decision relating to a new mortgage as the actual amount will depend on your personal circumstances, but we estimate the typical fee to be £499.