Ramsay & White

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:

Property Investors & Developers Event in Bristol

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 🔵

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 🔵

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

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:

Get your FREE Buy-to-Let Landlord Guide | Ramsay & White 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...

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

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:

5 Huge Refinancing Mistakes That Ruin Property Deals 📞 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...