Ramsay & White

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...

17/05/2026

Complex mixed-use properties can quickly become difficult to refinance, especially when time pressure is involved.

This recent deal involved a Grade II* listed High Street property comprising 2 flats above a commercial funeral directors unit.

The client originally purchased the asset using bridging finance, with plans to refurbish the residential units and refinance before costs increased.

However, a number of factors reduced lender appetite:
🔵 Grade II* listed building
🔵 Onsite morgue within the commercial unit
🔵 Located next to a pub and betting shop

By focusing on the structure, refurbishment strategy and presenting the deal correctly to the right lender, we were able to complete the refinance within 6 weeks.

The result:
🔵 Bridging loan repaid before higher costs kicked in
🔵 Residential units refinanced at improved values
🔵 Commercial element retained separately
🔵 Long-term position significantly strengthened

A lot of these deals come down to lender relationships, experience and understanding how to structure more complex assets properly.

Well done to Alec who worked on the deal.

If you need help structuring or refinancing a complex property deal, feel free to get in touch with the team at Ramsay & White.

Ramsay & White has completed a refinance on a complex mixed-use High Street property, helping the client exit a bridging loan within a tight

13/05/2026

Grade II listed properties and mixed-use assets can be difficult to finance, especially when holiday lets are involved.

This recent refinance is a good example of how the right structure can completely change the outcome.

The property comprised:
🔵 9 residential units
🔵 1 holiday let
🔵 Originally purchased for £120,000

Despite previous funding challenges, we structured the deal using a standard lending product rather than a more expensive holiday let facility.

The result:
🔵 £995,000 valuation achieved
🔵 £200,000 facility secured for further improvements
🔵 Holiday let accepted within the structure
🔵 Long-term income strategy supported

A lot of these deals come down to lender relationships, positioning, and understanding how to structure the asset correctly from the outset.

Well done to Paul and Lewis who worked on the deal.

If you need help structuring or funding a complex property deal, feel free to get in touch with the team.

Ramsay & White has completed a refinance on a Grade II listed multi-unit residential property, helping the borrower unlock value and reposition the

12/05/2026

Most successful property investors aren’t the ones who get every deal perfect from day one.

They’re the ones who learn how to build with better structure as they grow.

From what we see day to day, a lot of investors leave opportunities on the table early on simply because nobody has shown them how to structure things properly. Small adjustments around finance, planning and decision-making can make a huge difference over time.

Usually, it’s not a lack of effort holding people back.

It’s understanding where the gaps are and knowing how to improve them before scaling further.

In this video, Joel breaks down:

🔵 The common mistake many investors make at the beginning
🔵 How to identify the gaps in your own strategy
🔵 Why structure and planning matter more than most people realise
🔵 The practical next steps to start growing properly

The good news is, a lot of these issues are fixable once you understand what to look for.

Watch here:

📞 Book a free call to secure funding for your next property deal: https://www.ramsayandwhite.com/contact-us📊 Download your free guide to Buy-to-Let Investi...