| Established in 2018

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Ramsay and 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, it helps property investors and developers find the property finance solution that best fits their requirements. Whether the client is a first-time landlord or experienced investor, or developer, Ramsay and White can help generate momentum to grow their property portfolio.

372% GROWTH BETWEEN 2019 AND 2021

Ramsay & white


Growing up on one of the poorest council estates in the UK with very limited resources inspired Joel White to be better and develop a mindset which meant you could start in one place but not have to be defined by that place. He was motivated to start his own company, help others and then to excel through social mobility. In the first three years, the biggest challenge faced by Joel was COVID and the uncertainty of the market conditions, but he was committed to helping clients get the results they desired. As the founder, Joel feels proud that he did not furlough anyone during that time and grew the business where other companies in the sector were contracting.

Success Factor

Rapid growth to a very targeted audience is the result of key business of influence in the sector where the firm niched in helping property investors and developers secure the right funding and using the knowledge of this market to educate the clients on how to structure their deals or portfolios. The strategic use of content marketing which targeted potential clients across the UK has added additional value to their current businesses. In addition, there is considerable investment in people within the business.

The Future

In the future, Ramsay and White aims to develop a holistic practice where it offers more services to existing clients - R&W wealth management, accountants, estate and lettings agents. This will allow additional profit centres to make the business more robust, allowing firms to help more clients with their finance needs and requirements whilst recruiting and retain the best professionals in the industry. The business will also open satellite offices across the UK and offer a development programme for new starters all the way up to partnership status.