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.

🔗 CONNECT WITH Ramsay & White

🎥 YouTube Channel - https://www.youtube.com/c/RamsayWhite

📸 Instagram - https://www.instagram.com/ramsayandwhite/

💻 Website - https://ramsayandwhite.com/

👥 Facebook - https://www.facebook.com/ramsayandwhite

🎙 ABOUT THE PODCAST 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.

🎧 LISTEN FOR FREE Spotify - https://open.spotify.com/show/0AAnUw1jkAYI5q0JtgDm4R?si=2c1aa636ca344617

🙏 LEAVE A REVIEW If you enjoyed listening to the podcast, we'd love for you to leave a 5-star review on Google

🧠 SPONSORED BY TFG CAPITAL

The Ramsay & White Podcast is proudly sponsored by TFG Capital, a non-regulated short-term finance Lender able to deal with intermediaries, landlords, investors and developers across the UK. With a strong appetite to lend and the ability to fund bridging loans within a matter of days, TFG will find a lending solution that’s exactly tailored to the clients’ requirements, for either investment purchases, refinance, release of equity or refurbishments.   With a hands-on senior-leadership team deeply experienced in real estate finance they can offer a unique service and take on challenges other lenders often can’t (lending decisions are based on the security and not on serviceability, financial performance or credit reports).  If you are looking for business related cashflow, to refinance or add to your property portfolio or require funding for your next development and would like to find out more, feel free to contact the team today on 0800 061 4834 or email [email protected]

👋🏼 GET IN TOUCH WITH RAMSAY & WHITE TODAY!

Ramsay & White Finance For Property Investors:

T: 02921 111280

E: [email protected]

Ramsay & White Estate Agents:

T: 01443 803510

E: [email protected]

Head Office: 13-14 Neptune Court Vanguard Way Cardiff, CF24 5PJ

*Your property may be repossessed if you do not keep up repayments on your mortgage or any other finance secured against the property*

This podcast does not constitute financial or mortgage advice and any advice would need to be conducted after a full fact find with a qualified adviser. For a review on your personal circumstances please contact the team on [email protected]

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.

🔗 CONNECT WITH Ramsay & White

🎥 YouTube Channel - https://www.youtube.com/c/RamsayWhite

📸 Instagram - https://www.instagram.com/ramsayandwhite/

💻 Website - https://ramsayandwhite.com/

👥 Facebook - https://www.facebook.com/ramsayandwhite

🎙 ABOUT THE PODCAST 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.

🎧 LISTEN FOR FREE Spotify - https://open.spotify.com/show/0AAnUw1jkAYI5q0JtgDm4R?si=2c1aa636ca344617

🙏 LEAVE A REVIEW If you enjoyed listening to the podcast, we'd love for you to leave a 5-star review on Google

🧠 SPONSORED BY TFG CAPITAL

The Ramsay & White Podcast is proudly sponsored by TFG Capital, a non-regulated short-term finance Lender able to deal with intermediaries, landlords, investors and developers across the UK. With a strong appetite to lend and the ability to fund bridging loans within a matter of days, TFG will find a lending solution that’s exactly tailored to the clients’ requirements, for either investment purchases, refinance, release of equity or refurbishments.   With a hands-on senior-leadership team deeply experienced in real estate finance they can offer a unique service and take on challenges other lenders often can’t (lending decisions are based on the security and not on serviceability, financial performance or credit reports).  If you are looking for business related cashflow, to refinance or add to your property portfolio or require funding for your next development and would like to find out more, feel free to contact the team today on 0800 061 4834 or email [email protected]

👋🏼 GET IN TOUCH WITH RAMSAY & WHITE TODAY!

Ramsay & White Finance For Property Investors:

T: 02921 111280

E: [email protected]

Ramsay & White Estate Agents:

T: 01443 803510

E: [email protected]

Head Office: 13-14 Neptune Court Vanguard Way Cardiff, CF24 5PJ

*Your property may be repossessed if you do not keep up repayments on your mortgage or any other finance secured against the property*

This podcast does not constitute financial or mortgage advice and any advice would need to be conducted after a full fact find with a qualified adviser. For a review on your personal circumstances please contact the team on [email protected]

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.

🔗 CONNECT WITH Ramsay & White

🎥 YouTube Channel - https://www.youtube.com/c/RamsayWhite

📸 Instagram - https://www.instagram.com/ramsayandwhite/

💻 Website - https://ramsayandwhite.com/

👥 Facebook - https://www.facebook.com/ramsayandwhite

🎙 ABOUT THE PODCAST 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.

🎧 LISTEN FOR FREE Spotify - https://open.spotify.com/show/0AAnUw1jkAYI5q0JtgDm4R?si=2c1aa636ca344617

🙏 LEAVE A REVIEW If you enjoyed listening to the podcast, we'd love for you to leave a 5-star review on Google

🧠 SPONSORED BY TFG CAPITAL

The Ramsay & White Podcast is proudly sponsored by TFG Capital, a non-regulated short-term finance Lender able to deal with intermediaries, landlords, investors and developers across the UK. With a strong appetite to lend and the ability to fund bridging loans within a matter of days, TFG will find a lending solution that’s exactly tailored to the clients’ requirements, for either investment purchases, refinance, release of equity or refurbishments.   With a hands-on senior-leadership team deeply experienced in real estate finance they can offer a unique service and take on challenges other lenders often can’t (lending decisions are based on the security and not on serviceability, financial performance or credit reports).  If you are looking for business related cashflow, to refinance or add to your property portfolio or require funding for your next development and would like to find out more, feel free to contact the team today on 0800 061 4834 or email [email protected]

👋🏼 GET IN TOUCH WITH RAMSAY & WHITE TODAY!

Ramsay & White Finance For Property Investors:

T: 02921 111280

E: [email protected]

Ramsay & White Estate Agents:

T: 01443 803510

E: [email protected]

Head Office: 13-14 Neptune Court Vanguard Way Cardiff, CF24 5PJ

*Your property may be repossessed if you do not keep up repayments on your mortgage or any other finance secured against the property*

This podcast does not constitute financial or mortgage advice and any advice would need to be conducted after a full fact find with a qualified adviser. For a review on your personal circumstances please contact the team on [email protected]

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.

🔗 CONNECT WITH Ramsay & White

🎥 YouTube Channel - https://www.youtube.com/c/RamsayWhite

📸 Instagram - https://www.instagram.com/ramsayandwhite/

💻 Website - https://ramsayandwhite.com/

👥 Facebook - https://www.facebook.com/ramsayandwhite

🎙 ABOUT THE PODCAST 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.

🎧 LISTEN FOR FREE Spotify - https://open.spotify.com/show/0AAnUw1jkAYI5q0JtgDm4R?si=2c1aa636ca344617

🙏 LEAVE A REVIEW If you enjoyed listening to the podcast, we'd love for you to leave a 5-star review on Google

🧠 SPONSORED BY TFG CAPITAL

The Ramsay & White Podcast is proudly sponsored by TFG Capital, a non-regulated short-term finance Lender able to deal with intermediaries, landlords, investors and developers across the UK. With a strong appetite to lend and the ability to fund bridging loans within a matter of days, TFG will find a lending solution that’s exactly tailored to the clients’ requirements, for either investment purchases, refinance, release of equity or refurbishments.   With a hands-on senior-leadership team deeply experienced in real estate finance they can offer a unique service and take on challenges other lenders often can’t (lending decisions are based on the security and not on serviceability, financial performance or credit reports).  If you are looking for business related cashflow, to refinance or add to your property portfolio or require funding for your next development and would like to find out more, feel free to contact the team today on 0800 061 4834 or email [email protected]

👋🏼 GET IN TOUCH WITH RAMSAY & WHITE TODAY!

Ramsay & White Finance For Property Investors:

T: 02921 111280

E: [email protected]

Ramsay & White Estate Agents:

T: 01443 803510

E: [email protected]

Head Office: 13-14 Neptune Court Vanguard Way Cardiff, CF24 5PJ

*Your property may be repossessed if you do not keep up repayments on your mortgage or any other finance secured against the property*

This podcast does not constitute financial or mortgage advice and any advice would need to be conducted after a full fact find with a qualified adviser. For a review on your personal circumstances please contact the team on [email protected]

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.

🔗 CONNECT WITH Ramsay & White

🎥 YouTube Channel - https://www.youtube.com/c/RamsayWhite

📸 Instagram - https://www.instagram.com/ramsayandwhite/

💻 Website - https://ramsayandwhite.com/

👥 Facebook - https://www.facebook.com/ramsayandwhite

🎙 ABOUT THE PODCAST 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.

🎧 LISTEN FOR FREE Spotify - https://open.spotify.com/show/0AAnUw1jkAYI5q0JtgDm4R?si=2c1aa636ca344617

🙏 LEAVE A REVIEW If you enjoyed listening to the podcast, we'd love for you to leave a 5-star review on Google

🧠 SPONSORED BY TFG CAPITAL

The Ramsay & White Podcast is proudly sponsored by TFG Capital, a non-regulated short-term finance Lender able to deal with intermediaries, landlords, investors and developers across the UK. With a strong appetite to lend and the ability to fund bridging loans within a matter of days, TFG will find a lending solution that’s exactly tailored to the clients’ requirements, for either investment purchases, refinance, release of equity or refurbishments.   With a hands-on senior-leadership team deeply experienced in real estate finance they can offer a unique service and take on challenges other lenders often can’t (lending decisions are based on the security and not on serviceability, financial performance or credit reports).  If you are looking for business related cashflow, to refinance or add to your property portfolio or require funding for your next development and would like to find out more, feel free to contact the team today on 0800 061 4834 or email [email protected]

👋🏼 GET IN TOUCH WITH RAMSAY & WHITE TODAY!

Ramsay & White Finance For Property Investors:

T: 02921 111280

E: [email protected]

Ramsay & White Estate Agents:

T: 01443 803510

E: [email protected]

Head Office: 13-14 Neptune Court Vanguard Way Cardiff, CF24 5PJ

*Your property may be repossessed if you do not keep up repayments on your mortgage or any other finance secured against the property*

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.

🔗 CONNECT WITH Dean Cripps

💻 Email - [email protected]

🔗 CONNECT WITH Ramsay & White

🎥 YouTube Channel - https://www.youtube.com/c/RamsayWhite

📸 Instagram - https://www.instagram.com/ramsayandwhite/

💻 Website - https://ramsayandwhite.com/

👥 Facebook - https://www.facebook.com/ramsayandwhite

🎙 ABOUT THE PODCAST 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.

🎧 LISTEN FOR FREE Spotify - https://open.spotify.com/show/0AAnUw1jkAYI5q0JtgDm4R?si=2c1aa636ca344617

🙏 LEAVE A REVIEW If you enjoyed listening to the podcast, we'd love for you to leave a 5-star review on Google

🧠 SPONSORED BY TFG CAPITAL

The Ramsay & White Podcast is proudly sponsored by TFG Capital, a non-regulated short-term finance Lender able to deal with intermediaries, landlords, investors and developers across the UK. With a strong appetite to lend and the ability to fund bridging loans within a matter of days, TFG will find a lending solution that’s exactly tailored to the clients’ requirements, for either investment purchases, refinance, release of equity or refurbishments.   With a hands-on senior-leadership team deeply experienced in real estate finance they can offer a unique service and take on challenges other lenders often can’t (lending decisions are based on the security and not on serviceability, financial performance or credit reports).  If you are looking for business related cashflow, to refinance or add to your property portfolio or require funding for your next development and would like to find out more, feel free to contact the team today on 0800 061 4834 or email [email protected]

👋🏼 GET IN TOUCH WITH RAMSAY & WHITE TODAY!

Ramsay & White Finance For Property Investors:

T: 02921 111280

E: [email protected]

Ramsay & White Estate Agents:

T: 01443 803510

E: [email protected]

Head Office: 13-14 Neptune Court Vanguard Way Cardiff, CF24 5PJ

*Your property may be repossessed if you do not keep up repayments on your mortgage or any other finance secured against the property*

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!

🔗 CONNECT WITH Paul Davies

💻 Email - [email protected]

🔗 CONNECT WITH Ramsay & White

🎥 YouTube Channel - https://www.youtube.com/c/RamsayWhite

📸 Instagram - https://www.instagram.com/ramsayandwhite/

💻 Website - https://ramsayandwhite.com/

👥 Facebook - https://www.facebook.com/ramsayandwhite

🎙 ABOUT THE PODCAST 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.

🎧 LISTEN FOR FREE Spotify - https://open.spotify.com/show/0AAnUw1jkAYI5q0JtgDm4R?si=2c1aa636ca344617

🙏 LEAVE A REVIEW If you enjoyed listening to the podcast, we'd love for you to leave a 5-star review on Google

🧠 SPONSORED BY TFG CAPITAL

The Ramsay & White Podcast is proudly sponsored by TFG Capital, a non-regulated short-term finance Lender able to deal with intermediaries, landlords, investors and developers across the UK. With a strong appetite to lend and the ability to fund bridging loans within a matter of days, TFG will find a lending solution that’s exactly tailored to the clients’ requirements, for either investment purchases, refinance, release of equity or refurbishments.   With a hands-on senior-leadership team deeply experienced in real estate finance they can offer a unique service and take on challenges other lenders often can’t (lending decisions are based on the security and not on serviceability, financial performance or credit reports).  If you are looking for business related cashflow, to refinance or add to your property portfolio or require funding for your next development and would like to find out more, feel free to contact the team today on 0800 061 4834 or email [email protected]

👋🏼 GET IN TOUCH WITH RAMSAY & WHITE TODAY!

Ramsay & White Finance For Property Investors:

T: 02921 111280

E: [email protected]

Ramsay & White Estate Agents:

T: 01443 803510

E: [email protected]

Head Office: 13-14 Neptune Court Vanguard Way Cardiff, CF24 5PJ

*Your property may be repossessed if you do not keep up repayments on your mortgage or any other finance secured against the property*

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.  

🔗 CONNECT WITH Stephen Wrigley 

💻 Email - [email protected]  

🔗 CONNECT WITH Ramsay & White 

🎥 YouTube Channel - https://www.youtube.com/c/RamsayWhite

📸 Instagram - https://www.instagram.com/ramsayandwhite/

💻 Website - https://ramsayandwhite.com/

👥 Facebook - https://www.facebook.com/ramsayandwhite 

🎙 ABOUT THE PODCAST 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.  

🎧 LISTEN FOR FREE Spotify - https://open.spotify.com/show/0AAnUw1jkAYI5q0JtgDm4R?si=2c1aa636ca344617 

🙏 LEAVE A REVIEW If you enjoyed listening to the podcast, we'd love for you to leave a 5-star review on Google

🧠 SPONSORED BY TFG CAPITAL 

The Ramsay & White Podcast is proudly sponsored by TFG Capital, a non-regulated short-term finance Lender able to deal with intermediaries, landlords, investors and developers across the UK. With a strong appetite to lend and the ability to fund bridging loans within a matter of days, TFG will find a lending solution that’s exactly tailored to the clients’ requirements, for either investment purchases, refinance, release of equity or refurbishments.   With a hands-on senior-leadership team deeply experienced in real estate finance they can offer a unique service and take on challenges other lenders often can’t (lending decisions are based on the security and not on serviceability, financial performance or credit reports).  If you are looking for business related cashflow, to refinance or add to your property portfolio or require funding for your next development and would like to find out more, feel free to contact the team today on 0800 061 4834 or email [email protected]  

👋🏼 GET IN TOUCH WITH RAMSAY & WHITE TODAY!  

Ramsay & White Finance For Property Investors: 

T: 02921 111280 

E: [email protected] 

Ramsay & White Estate Agents: 

T: 01443 803510 

E: [email protected]  

Head Office: 13-14 Neptune Court Vanguard Way Cardiff, CF24 5PJ  

*Your property may be repossessed if you do not keep up repayments on your mortgage or any other finance secured against the property*

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.   

🔗 CONNECT WITH Indigo Smith 

👥Email - [email protected] 

💻 Linkedln - https://uk.linkedin.com/in/indigo-smith-cemap-cerer-dipfa-llb-hons-162ba592 

🔗 CONNECT WITH Ramsay & White 

🎥 YouTube Channel - https://www.youtube.com/c/RamsayWhite

📸 Instagram - https://www.instagram.com/ramsayandwhite/

💻 Website - https://ramsayandwhite.com/

👥 Facebook - https://www.facebook.com/ramsayandwhite 

🎙 ABOUT THE PODCAST 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. 

🎧 LISTEN FOR FREE Spotify - https://open.spotify.com/show/0AAnUw1jkAYI5q0JtgDm4R?si=2c1aa636ca344617 

🙏 LEAVE A REVIEW If you enjoyed listening to the podcast, we'd love for you to leave a 5-star review on Google  

🧠 SPONSORED BY TFG CAPITAL The Ramsay & White Podcast is proudly sponsored by TFG Capital, a non-regulated short-term finance Lender able to deal with intermediaries, landlords, investors and developers across the UK. With a strong appetite to lend and the ability to fund bridging loans within a matter of days, TFG will find a lending solution that’s exactly tailored to the clients’ requirements, for either investment purchases, refinance, release of equity or refurbishments.   With a hands-on senior-leadership team deeply experienced in real estate finance they can offer a unique service and take on challenges other lenders often can’t (lending decisions are based on the security and not on serviceability, financial performance or credit reports).  If you are looking for business related cashflow, to refinance or add to your property portfolio or require funding for your next development and would like to find out more, feel free to contact the team today on 0800 061 4834 or email [email protected]  

👋🏼 GET IN TOUCH WITH RAMSAY & WHITE TODAY!  

Ramsay & White Finance For Property Investors: 

T: 02921 111280 

E: [email protected] 

Ramsay & White Estate Agents: 

T: 01443 803510 

E: [email protected]  

Head Office: 13-14 Neptune Court Vanguard Way Cardiff, CF24 5PJ  

*Your property may be repossessed if you do not keep up repayments on your mortgage or any other finance secured against the property*