Ramsay & White

What Ramsay & White does

Ramsay & White is a UK-based, privately held multi-service financial and property group operating through three FCA-regulated (via Appointed Representative status with New Leaf Distribution Ltd) limited companies: Ramsay & White Ltd. (property finance), Ramsay & White Wealth Management Ltd., and Ramsay & White Estate Agents Ltd. The group, founded in 2018 by Joel White, runs four offices across Bath (England) and South Wales (Mountain Ash, Aberdare, Abercynon), serving clients locally and across the UK.

The group's core products span specialist property finance (residential, buy-to-let, commercial, HMO, bridging, development, secured, and holiday home mortgages), estate agency (sales, lettings, valuations, full property management), and wealth management (pensions, investments, tax and inheritance planning, financial protection), with a newer corporate finance arm targeting SMEs. Lending access is mediated through broker relationships with multiple lenders including a Strategic Partnership with LendInvest (2022), and estate agency listings are distributed via Rightmove.

Revenue is generated principally through transaction-based fees: mortgage and commercial finance commissions, estate agency sales and letting commissions, plus a recurring tail from fully managed lettings at 11% + VAT of monthly rent, plus tenant-find setup fees. The go-to-market is sales-led, supported by partner referrals (accountants, financial advisers), content marketing (blog, podcast, educational videos), and regional brand positioning, with no proprietary technology platform disclosed.

Name

Ramsay & White

Legal name

Ramsay & White

Website

https://ramsayandwhite.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Ramsay & White is a UK multi-service financial and property group offering specialist property finance, wealth management, and estate agency services. Founded in 2018, it serves individual buyers, property investors, landlords, and SMEs across South Wales and the wider UK.

Ownership category

akta.pro rank

Product category

Mortgage and Property Finance Services

NAICS

Offices of Real Estate Agents and Brokers (5312), Portfolio Management and Investment Advice (52394), Portfolio Management and Investment Advice (523940)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163), Real Estate Agents & Managers (For Others) (6531), Investment Advice (6282)

akta.pro primary industry

Real Estate Debt & Mortgage Strategies (FSAAAKAC)

akta.pro secondary industries

Property Management Advisory & Leasing Administration (FSAEAJAN), Real Estate Transaction Advisory & Due Diligence (FSAEAJAJ), Private Banking & UHNW Wealth Advisory (FSAEABAC)

Keywords

• Property finance brokerage
• Mortgage advisory
• Wealth management services
• Estate agency services
• Buy-to-let financing

Headquarters

HQ city

Bath

HQ country

United Kingdom

HQ region

Europe

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Property Finance Broking: The company arranges mortgages, bridging loans, and commercial finance for property investors and developers. Revenue is generated through arrangement fees, commission from lenders, and competitive lending rates for various finance products including residential mortgages, buy-to-let, HMO, commercial mortgages, bridging finance, and development finance.
2. Estate Agency Services: Services include property sales, lettings, and property management for residential and commercial properties. Revenue is generated through sales commissions, letting fees, and property management service charges.
3. Wealth Management Advisory: Provides independent financial advice including pensions, investments, inheritance tax planning, and tax planning. Services are offered to clients local to South Wales and throughout the UK, with advisers providing personalized financial planning strategies.
4. Property Management Fees: Monthly management fee of 11% + VAT of monthly rent for fully managed lettings service. Additional fees for tenancy renewals (£100 + VAT), interim inspections (£20 + VAT), gas safety certificates (£75 + VAT), and EPCs (£67 + VAT).

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Ramsay & White is a multi-service financial group providing property finance brokerage, estate agency, and wealth management advisory services. The company arranges residential, buy-to-let, commercial, HMO, bridging, and development mortgages, manages property sales and lettings, and offers independent financial advice covering pensions, investments, inheritance tax planning, and financial protection. It serves individual property buyers, landlords, developers, and SME clients across the UK with offices in Bath, Mountain Ash, Aberdare, and Abercynon.

Product overview

Ramsay & White is a multi-service financial group operating three divisions: Property Finance, Wealth Management, and Estate Agency, alongside Corporate Finance services. The Property Finance division offers specialist mortgage products including residential, buy-to-let, commercial, HMO, bridging, development, secured loans, and holiday home mortgages. The Wealth Management division provides independent financial advice covering pensions and retirement planning, investment advice, tax planning, inheritance tax and estate planning, and financial protection. The Estate Agency division handles property sales, lettings management, valuations, and investment properties. Corporate Finance services target entrepreneurs and SMEs. The group serves clients locally in South Wales and throughout the UK, operating across offices in Bath, Mountain Ash, Aberdare, and Abercynon.

Differentiator

Problem solved

Functional benefit

Products and services

• Property Finance Brokerage Specialist property finance brokerage providing funding solutions for property investors, developers, and landlords across the UK, arranging mortgages, bridging loans, and commercial finance.
• Residential Mortgages Mortgage brokerage services for individuals purchasing residential properties for personal use, including first-time buyers and remortgages.
• Buy to Let Mortgages
• Commercial Mortgages
• HMO Mortgages
• Bridging Finance
• Development Finance
• Wealth Management Advisory
• Pensions and Retirement Planning
• Investment Advice
• Tax Planning
• Inheritance Tax and Estate Planning
• Financial Protection
• Corporate Finance Advisory Business financial strategies and advisory services for entrepreneurs and SMEs, including business funding solutions.
• Estate Agency Services
• Lettings Management
• Property Selling Services
• Property Valuation

Quantifiable outcome

• Recognized as Fastest Growing Business in Wales in Fast Growth 50 List 2022
• +4 more outcomes

Named customers7 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eight partnerships are on record, tiered core, standard and minor.

• LendInvestcoreTechnology or IntegrationRamsay & White was confirmed as LendInvest's Strategic Partner for 2022. LendInvest is a forward-thinking property finance lender. This partnership provides Ramsay & White clients with access to LendInvest's property finance products and lending capabilities.
• The Deposit Protection Service (DPS)standardOthersRamsay & White uses The Deposit Protection Service for holding tenant deposits and providing deposit protection for landlords and tenants under tenancy deposit protection (TDP) schemes.
• RightmovecoreChannel Partner/ Reseller/ DistributorRamsay & White Estate Agents operates through Rightmove listings for property sales and lettings in Aberdare and surrounding South Wales areas.
• PropertymarkstandardOthersRamsay & White Estate Agents Ltd. is a member of Propertymark, a professional body for property agents providing standards, training, and client money protection.
• The Property Ombudsman (TPOS)standardOthersRamsay & White Estate Agents Ltd. is registered with The Property Ombudsman scheme for consumer protection and dispute resolution.
• NACFBcoreOthersRamsay & White is a member of the National Association of Commercial Finance Brokers (NACFB). The company has won awards from NACFB Commercial Broker Awards including Bridging Broker of the Year.
• ICO (Information Commissioner's Office)standardOthersRamsay & White is registered with the ICO, demonstrating compliance with data protection regulations.
• The Prince's TrustminorOthersJoel White, Group Director and Founder, has joined The Prince's Trust Enterprise Network for Wales and has given presentations on behalf of The Prince's Trust as part of their Enterprise programme.

Scale indicators6 records

Recent moves6 records

Expansion highlights4 records

Emerging players

• Habito: UK digital-first mortgage broker with proprietary technology platform offering online mortgage advice and remortgaging. An emerging competitor in the same property finance category, contrasting Ramsay & White's traditional advisory model.

Others

• LendInvest: UK specialist property finance lender serving bridging, development, and BTL. Strategic partner of Ramsay & White and an ecosystem participant whose product access shapes Ramsay & White's distribution advantage.

Direct peers

• London & Country Mortgages: One of the UK's largest independent mortgage brokers, offering residential, BTL, and specialist finance. Comparable to Ramsay & White as a whole-of-market intermediary with scale advantages in lender panel access.
• Belvoir Group: UK national franchise network of estate and lettings agents offering sales, lettings, and property management. Comparable to Ramsay & White's estate agency division and franchise-style multi-office model.
• SPF Private Clients: UK specialist mortgage broker focused on high-net-worth, BTL, and complex property finance. Direct competitor in the specialist property finance segment Ramsay & White serves.
• Trinity Financial Group: UK whole-of-market mortgage broker offering specialist residential, buy-to-let, and commercial finance with personalized advisory. Highly comparable to Ramsay & White's property finance division in product breadth and client segment focus.
• Martin & Co: UK franchise estate agency and lettings specialist with strong property management offering. Comparable to Ramsay & White's estate agency and recurring property management revenue model.

Broad incumbents

• Connells Group: UK's largest estate agency and lettings network with national footprint. Overlapping with Ramsay & White's estate agency division as a larger incumbent with regional branch density.
• Tilney (now Evelyn Partners): Large UK wealth manager and financial planner offering investment, pension, and tax planning advice. Comparable to Ramsay & White Wealth Management but at substantially greater scale and broader geographic footprint.
• Quilter: UK-listed wealth management business offering financial advice, investment platforms, and pension products. Overlapping with the wealth management division of Ramsay & White as a broader incumbent.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks7 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@ramsayandwhite
• LinkedInlinkedin.com/company/ramsayandwhite
• Instagraminstagram.com/ramsayandwhite
• Xx.com/ramsay_white
• Facebookfacebook.com/ramsayandwhitewealth

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Ramsay & White