Ramsay & White - Property Finance

In this episode, Joel will be answering OPCO PROPCO questions; What is it? How does it work? and why would you use it to structure and fund your deals.

We're joined by Kevin Whelan, an economist, author, the Founder of Wealth Builders and one of the UK's leading experts and authorities on SSAS Pensions (Small Self Administered Scheme). This episode, Joel and Kevin discuss wealth through generations, pensions and building wealth holistically. We have a free resources page for our listeners: https://wealthbuilders.co.uk/ramsay-white Kevin has published 3 books on the subject of wealth creation: ‘Wealth Coach' was published in 2022 with Bradley J Sugars. The book takes readers on a journey, proving that anybody can start building wealth today. 'The 7 Pillars Of Wealth' was published in 2015. The book provides detailed information about the 7 assets that can help individuals to achieve true financial independence. ‘Save A Fortune...FAST! 12 Secrets to eliminate your mortgage, loans and credit cards…FAST,' was published in 2004.

This week we have Jay Herbert, Partner and MD of Ramsay & White Estate Agents on the Podcast. In August 2020 Ramsay & White group expanded its service offering moving into the Estate and Lettings market, which Jay headed up. Starting from a cold start Jay and the team have sold over 350 houses with over 123 properties under management. Jay discusses his journey into estate agency and building this arm of the business, which has now been voted within the top 5% of every agent in the UK two years running according to Best estate agent guide. Jay and the team work with a number of portfolio landlords who invest across South Wales.

In this episode, Joel White, Founder and Group Managing Director of Ramsay & White reflects on business in 2022, discusses what the future holds in 2023, plus detailing the latest UK mortgage market update.

In this episode Joel White and Chris Nairn discuss the mortgage market, swap rates and interest rates. Chris Nairn provides some excellent knowledge to help you navigate the current market.

In this episode Joel White and Dean Cripps discuss the mortgage market, pensions and protection. Dean Cripps answers your questions and provides some excellent knowledge to help you navigate the current market.

Joel White and Paul Davies discuss how they built their property portfolio, working with JV partners, the reasons why to invest, working with investors, bridging lenders and more!

Stephen is a focused and knowledgeable BDM who also has substantial personal experience as a mortgage adviser, which helps him to understand his clients' needs and offer solutions. CHL Mortgages is a specialist buy-to-let lender, lending within England and Wales through intermediaries only. We lend to Individuals and Limited Companies to finance a wide range of properties, including Houses, Flats, Shared Accommodation, New Builds, large and small Houses of Multiple Occupancy (HMO), Multi-Unit Freehold Blocks and Short-Term-Lets. We recently introduced a refurbishment product range (Light refurbishment, EPC Improvement and Cosmetic Improvement). We welcome First Time Landlords right through to experienced Portfolio Landlords.

Indigo has been in finance for 13 years, and specialising in later life lending for the last 4 years. As part of the Ramsay & White team, Indigo is here to support clients with their financial requirements.

Jeannette is a high performing corporate CEO turned Entrepreneur with a £Multi-million business portfolio across multiple sectors. Jeannette now helps business owners and senior executives take their business and their careers to the next level! As an experienced and highly regarded senior executive, property investor and board advisor Jeannette has nearly 30 years' global professional experience across the travel, leisure, hospitality and property sectors as well as her podcast Brave, Bold, Brilliant. Prior to her senior engagements with organisations such as TUI, Thomas Cook, First Choice and Saga, where she was CEO of the Travel Division, Jeannette graduated from University with a 1st class BA Hons degree in Economics & Management Studies, before starting her career in UK Government, as an Economist.

From corporate IT Tech to Millionaire Entrepreneur Allan has now built and established several successful business and a property portfolio worth over £7m. It's not all plain sailing and he's out to help anyone that wants it achieve what they want to in life. With experience in corporate environments through to building sites, Allan integrates with people at all levels making a great skills combination to deliver bigger projects in the future generating great business returns for him and his investors.

In this video, Ramsay & White Director Joel White, chats to Steven Pardoe and Adam Huzzey, Business Owners, Property Investors & Developers. Steven and Adam share their experience in building a £15M portfolio over the last 5 years!

Saif Derzi started his career as a Pharmacist where he went on to found and build a pharmaceutical trading company. He then decided to diversify some of his profit into property and started to build his portfolio in 2017. Fast forward to today and he has bought and sold over 130 properties and has been featured in the Sunday Times for his career in the property industry. He now owns and runs multiple property businesses including property investment businesses, co-founded a letting agency which helps investors build a property portfolio called Let-Co as well as a Property Cash Buying Company called Property Buyers Today.

Intrest Rates Hit 13 Year High As Bank Of England Hikes Rates

Emerald is a Property investor, Speaker and trainer and Specialist Mortgage Advisor. Emerald specialises in the buy, refurbish and refinance strategy and has built her entire property portfolio using a mixture of investor finance and bridging. She's raised over £1.5 million raised in less than 5 years (that's over £150k paid in interest!). Alongside building her portfolio Emerald has found her passion within financial services, and she absolutely loves working day to day as a Mortgage Advisor; specialising in working with clients who are building their property portfolios. And last, but not least Emerald spends the rest of her time as a property speaker and trainer, helping other people start their journey into property.

Not only is Tim an active investor/developer, but he also owns a law firm with a specialist property investor team and always provides no strings attached free initial advice on the phone to property investors. The firm has about 65 staff and can cover a full range of law, from Wills and probate to divorce, commercial law to litigation. In addition to the firms niche of acting for property investors they have a number of other specialist areas – in particular a 6 strong leasehold team, doing nothing but lease extension, freehold purchase and right to manage applications – possibly the largest specialist team of its type in the country. Tim has experience of commercial conversion, turning what was his Andover Office into 6 flats. Tim also converted a 3-bed terrace to an 8 bed HMO and is now in the process of buying a small office.

In this episode of the Ramsay & White Podcast Joel chats to Andy Reid, Sales Director at TFG Capital. TFG Capital provides companies and high-net-worth individuals with a route to available funding in a difficult and increasingly risk-averse market. The company aims to provide clients with the best bridging loans and short-term business loans possible, tailored to suit the client needs. Andy has a wealth of experience in the specialist funding market and shares an insight into the products that are available for investors and an overview of the lending criteria at TFG Capital.

Matt Cottle is a former CEO and now full time property investors and developer. In this episode Matt shares his story and experiences from business and life along the way.

Today we hear from Jamie Barrow who has some incredible stories about his journey to becoming the worlds fastest snowboarder. Jamie has since transitioned into developing and investing in properties located in Bath. This episode with Jamie shows that it's never too late to start a business as a current or retired athlete. Jamie gives a masterclass in entrepreneurship and his story will show you that you have the power to change your life.

Welcome back to the Ramsay & White Podcast For Season Two! Ramsay & White is an award-winning firm of specialist property finance advisers based in Cardiff, but covering the whole of the UK.  With access to market-leading lenders and a broad network of experts, we help property investors and developers find the property finance solution that best fits their requirements.   Whether you're a first-time landlord or experienced investor or developer, we can help you generate momentum to grow your property portfolio.  

Headed up by CEO John Davies, Just Cash Flow has grown since 2013 from 5 employees to 70 employees and £130 million out in lending. Having recently been awarded a commended award as best alternative lender as part of the Business Money Facts awards, Just Cash Flow has released the Portfolio Builder product which has received fantastic feedback and continues to partner with well run businesses. With products assisting new start trading businesses to experienced property developers, this lender is growing from strength to strength.

Since starting his first business at 22 years old, Investor and currency trader Jason Graystone has successfully built and run multi million pound businesses both in the service sector and online. Jason believes that if you have the right balanced mindset, and adopt the right personality traits, you can use simple formulas to achieve anything you want in life; and it’s this attitude that allowed him to achieve complete financial independence by the time he was 30 by strategically replacing his active work force income from passive investments. Since then, Jason helps to empower others around money and wealth creation and designing their best life. Jason believes that everyone deserves to live an inspired life. “When we are free and able to focus on meaningful work, we become better human beings. All we want in life is time primarily, and then the ability to focus on our highest values for fulfilment and reward.”

In this episode we look at; Precise Mortgages Top Slicing and what this means for Investors. London Property Prices under the existing Mayor of London. BOE mortgage borrowing up by record £11.8B in March. Leeds Building Society launches new Buy-to-Let Holiday product. Virgin Money to launch Mortgage Guarantee products. Paragon Rental Yields report. Zoopla Market report. For any more information then feel free to contact us at enquiries@ramsayandwhite.com *Please note your home may be repossessed if you do not keep up with your mortgage payments.

Gary Das is the Managing Director and owner of Active Mortgages, winners of the Mortgage Strategies "Best Small Broker" 2019. MD and owner of Financial Pro, which works to help the financial services industry to create more leads, sales, profit and time, allowing them to do more of what they love, with whom they love. Gary is the host of 'The Proactive' and 'Financial Pro' Podcast. He is also the Author of Amazon Best-Selling book 'The Self Employed Mortgage Guide - The Keys to Buying Any Property'. We discuss Gary's business journey and what the next 12 months look like.

In todays episode we talk with Professional Property Investor, Portfolio Landlord, Mentor and Coach Wes De Leur. Wes has successfully scaled a large property portfolio using various strategies, across different parts of the UK and is also the founder of the Buy to Let Group on Facebook with over 29 thousand members.

We speak with Andy Reid, Sales Director at TFG Capital. TFG Capital was established in August 2014 by James Mortimore to provide companies and high net worth individuals with a route to available funding in a difficult and increasingly risk-averse market. TFG is shorthand for ‘The Funding Gap’ and that is a gap the company was designed to fill. TFG Capital aim to provide clients with the best bridging loans and short term business loans possible, tailored to suit the clients needs. Their terms are flexible and also have the ability to work to extremely tight deadlines combined with a no-nonsense approach to lending provides a level of comfort and certainty that is unique in the marketplace. TFG Capital have provided over £70,000,000 in funds to their clients since inception and continue to support businesses across the UK every day. They don’t seek approval from lending panels or delay their clients' plans and ambitions on a conveyor belt of over-analysis. To find out more feel free to contact the team at Ramsay & White. *please note your home maybe repossessed if you do not keep up with the monthly mortgage payments.

The right investment in property could help propel your business forward. However, the wrong investment is fraught with problems that could jeopardise your financial future. In our fluid and rapidly changing property market, sound judgement, experience and expert property investment advice is key. As is the ability to act quickly. Modus Accountants are a proactive accountancy firm, run by experienced property professionals with experience of hundreds of property investments. Not only will they provide advice on your ventures but also ensure that you manage your cashflow, minimise your tax burden and maximise the return from your investments. Mark Spolander - After founding Modus Accountants back in 2018, Mark's position is now to lead, manage and motivate the team. Over the last 16+ years, he has gained extensive experience in setting up and operating a number of successful businesses. With a background in business coaching, he is passionate about helping other entrepreneurs, and loves working with his clients to achieve their business and personal goals. Sam Dallimore - A Certified Chartered Accountant, ACCA accredited since 2017, he joined Modus in February 2020 from a background in Finance Management within industry, with this move being a transition into an accountancy practice. As a Director of Modus Accountants he is part of the Modus leadership team, and focussed on growing the accounting practice, leading on outsourcing, overseeing client onboarding and the management of the Modus Group accounts.

When done well, investing in property can provide lucrative returns. In order to go from being a beginner landlord to a property investor with a large profitable portfolio, there are many things you need to consider. Before you scale, it’s vital you gain experience within the industry. Starting small is the best way to learn and if you fail, at least you’re failing on a fairly small scale rather than a large one. You need to walk before you can run and have a good understanding of the property industry before taking big steps. If you’re confident you’ve got what it takes and you’re ready to take the next step in your property business, here are some tips to help you scale…

In this episode of the Ramsay & White Property Finance Podcast, Joel chats to Jamie Barrow, Adventurer turned Property Developer. Widely known as Britain’s fastest Snowboarder and World Record Holder, Jamie is also a Bath-based property developer who has successfully completed a number of projects in one of the country’s most desirable cities. One of his developments, a Georgian flat conversion, went viral and was featured in The Daily Mail, Rightmove, LADbible and many other publications due to the quality of the transformation. Jamie is currently working on his latest project, a mixed-use scheme where he plans to convert the whole property back to residential. Jamie is a very talented Developer and one to watch for the future.

SPRING BUDGET BREAKING NEWS Here’s a summary of Rishi Sunak's 2021 Spring Budget! ▪️The stamp duty holiday on properties worth up to £500,000 will be extended until the end of June ▪️The "Help To Buy" scheme is back, with the Government helping ‘generation rent’ get on the property ladder with a deposit of just 5% ▪️Personal Tax thresholds to be frozen. No raises to the rates of income tax, national insurance, or VAT ▪️The income tax threshold will increase next year to £12,570, but it will be kept at this level until 2026. The higher rate threshold will rise to £50,270 next year, but will also then stay there until 2026 ▪️Corporation tax to increase to 25% from 2023 for companies with a profit of more than £250,000 ▪️Companies will be allowed to carry back some losses and claim additional tax refunds of up to £760,000 ▪️The furlough scheme will be extended until the end of September. The government will contribute 70% in July, 60% in August and September, with companies paying the difference to 80% ▪️Businesses will be given incentive payments of £3,000 for all new hires of any ages ▪️The business rates holiday will be extended until the end of June, with a two-thirds discount for the remainder of the tax year ▪️The 5% reduced rate of VAT will be extended for six months to 30th September followed by an interim rate of 12.5% for another six months. The standard rate will not return until April next year ▪️A new restart grant of up to £6,000 per premises in April and up to £18,000 for firms that open up later. For any questions please feel free to contact Joel on joel.white@ramsayandwhite.com

Bridging Vat is a specialist principal lender advancing short term loans for the VAT due on commercial property purchases. Managed by Chartered Accountants and Debt Advisory professionals with an in depth knowledge of the UK property sector, they are able to provide a unique level of expertise in both the funding and recovery of VAT. Having developed a turnkey finance solution for property developers, owner-occupiers and investors, which provides the funding of the VAT requirement and pro-active management of the recovery with HMRC; this solution provides a hands-off service for clients, allowing them to retain capital and liquidity throughout the purchase process. Mike has been working within the property sector since 1994. Having worked for major international commercial developers, distributing and selling over £100 million of properties, Mike then moved into development finance securing alternative funding lines on several major projects. This experience then lead to structuring and distributing asset backed securities for a number of UK and offshore funds. As Sales Director of Bridging Vat, Mike is responsible for managing and assisting the growing base of broker intermediaries, as well as working closely with property developers on their VAT loan requirements

In 2020 Ramsay & White Finance for Property Investors secured in excess of £96m in funding for property investors across the UK and overseas. It was great to see so many investors lean into their businesses and continue to grow during uncertain times. While the market has been unpredictable at times, many investors had the courage and tenacity to take calculated risks and it was amazing to be part of the process! In this episode Joel shares content from a recent online investor meeting where he was asked to discuss the market, buying through company structures, momentum investing, bridging finance, HMO's, commercial valuations and much more. If you have any questions about the topics in this episode then please feel free to contact us on enquiries@ramsayandwhite.com. *Please note, your property may be repossessed if you do not keep up your repayments on your mortgage or any other finance secured against your property*

Grace Ballantyne is Head of Acquisitions at MELT Property, a property development and investment business with a pipeline of projects worth over £250m. Her focus is on site acquisitions and deal structuring, having previously set up the operational functions of the business. She is closely involved with a number of large scale residential and commercial development projects including a £65M GDV mixed use scheme in Kennington, London. Additionally, Grace engages in her own property investments and business ventures. Grace has a corporate background in marketing. She has provided strategy consultancy for several businesses in the property sector including senior lenders, crowdfunding platforms and co-working spaces. Having worked closely with the founding team at a development finance fund she has invaluable insight of assessing deals from a lenders perspective. Furthermore, Grace has raised private finance for development projects and is experienced in working with investors and equity partners, including with real estate focused family offices.

Total lending to date: £677m +  Total mortgages funded: 2,750 + Total property value: £910m +  Co-founded by CEO John Goodall and established in 2014, Landbay is a specialist marketplace lending platform for prime residential buy-to-let mortgages, combining market expertise with technological innovation, to benefit both investors and landlords. Landbay creates access to a new type of investment opportunity for the everyday lender, helping investors to reap the consistent, solid and regular financial returns offered by the resilient UK buy-to-let mortgage market and supporting responsible borrowers in securing access to faster funding. Landbay continues to develop its technology to provide customers with market-leading products and service. *Your home may be repossessed if you do not keep up with your mortgage payments. 

Adrian Moloney – Group Sales Director at One Savings Bank joins the Ramsay & White Podcast today to discuss the market and the latest products. OneSavings Bank is a specialist lender, primarily focused on carefully selected sub-sectors of the mortgage market through an integrated multi-brand approach For anymore information on todays episode please feel free to contact us on enquiries@ramsayandwhite.com *Your home maybe repossessed if you do not keep up with your mortgage payments.

Head of Bridging and Commercial at Ramsay & White, Paul Davies, joins us on on this episode to discuss a recent project that we purchased using bridging finance, refurbished and then refinanced with a limited company lender. For more information or if you have any questions please feel free to contact us on enquiries@ramsayandwhite.com

Yorkshire born and bred, Paul with a BSc (Hons) in Engineering and an MBA, spent over 20 years working for a variety of blue chip organisations including Ford Motor Company, Coca Cola Schweppes and Whitbread, amongst others. In the year 2000 he and his wife relocated to Scotland to enable him to take on the role of Managing Director at Allied Distillers. Having moved repeatedly over the years to fulfil work commitments, both Paul and his wife, Aniko, longed to put down roots and achieve financial security for the future, and investing in property seemed to be the perfect route to achieve this. Over time they progressed from single lets to HMOs, commercial conversions and serviced accommodation, and subsequently established Yorkshire Investment Property (or YIP) to manage a portfolio of over 200 HMO lets as well as serviced apartments and commercial properties. Paul discusses business, property and his thoughts on the wider economy.

This week we recorded with business owner, property investor and developer Steven Pardoe. It was a great discussion around life, business, tips, COVID, finance, working with investors and scaling a multimillion pound property portfolio.

Property Investor and client of Ramsay & White, Martin Rapley shares his 30 years experience in the property industry. We talked about project management, construction and creatively structuring deals that can add significant value to your portfolio. Martin has a wealth of knowledge in this area and it was a pleasure to have him on the Ramsay & White Podcast. For any further information on what was discussed in this episode then please feel free to reach out at enquiries@ramsayandwhite.com. 

Short-term lending, development and buy-to-let mortgages for intermediaries, landlords and developers across the UK. We had the pleasure of speaking with Director of Buy-to-let at LendInvest, Andy Vigo. Andy shared his insights into the current funding market and how they are still helping property investors fund their deals. For more information feel free to contact the team on enquiries@ramsayandwhite.com. Your home is at risk if you do not keep up the payments on your mortgage. Most Buy-to-let mortgage products and other alternative finance are not regulated by the FCA.

The team at LendWell are experts in property lending to developers and property investors, but crucially have direct experience of developing and investing in property. The team have started and built one of the most recognised specialist banks serving this sector originating a property lending book of over £6bn in their tenure. We speak with Daryl Norkett - Relationship Director. Daryl has worked in commercial banking and specialist lending for 10 years, most recently shaping the specialist property lending proposition at Shawbrook Bank as Head of Products & Markets, covering the Specialist BTL, Commercial and Short-Term markets. Prior to this, Daryl worked as a Regional Development Manager for Shawbrook after starting out as a Relationship Manager at Barclays following graduation from University in 2009.

In this episode we invite Emerald Fisk onto the Ramsay & White Podcast to discuss her property business model and to answer questions around the Buy, Refurb, Refinance strategy.

In this episode we talk all things Bridging and Development Finance with Sinead Moynihan, Head of Sales at Mint Bridging. Finance that is built for borrowers, Developers and Investors. Mint Bridging is a next generation lender, providing structured short-term bridging loans, of up to £5m for property purchases, refurbishment, refinance or development projects.

In this episode we interview Saam Lowni - HMO Investor, Property Developer and Head of Origination at Hill Top Credit Partners.

In this episode we interview Matt Soltys, founder of Thrive Assets and former Investment Banker. Matt shares his insights to the ever changing economy, business fundamentals and his investment strategy, focusing on thinking BIG in the Co-living space.

In this episode we talk with Aaron Kok, a former Pension Fund Analyst and now full time Property Investor and founder of Acquire Property Group and the Square Mile Property Meet.

In this episode we invite Dean Cripps from Ramsay & White to discuss the current market and lending options available to Property Investors, including Development Exit Finance.

Property Developer and founder of Castell Group, Dorian Payne, discusses their niche strategy focusing on Social & Affordable Housing.

Alex and Philip share their business model for property investing, lessons and wins they’ve had in business and how working with the right team has helped towards their success.

If your income has been impacted by Coronavirus and you know you are not going to be able to make your monthly mortgage payments for residential or Buy to Let, then you may be entitled to a 3 month payment holiday.

Second Charge Mortgage’s are being used by many Property Investors across the UK to help build momentum when financing their portfolio. This episode is a quick insight into the Second Charge Mortgage Product.