Ramsay & White structures refinance for Grade II listed multi-unit residential asset

By Bridging Loan Directory 13th May 2026

Ramsay & White has completed a refinance on a Grade II listed multi-unit residential property, helping the borrower unlock value and reposition the asset for longer-term income generation.

The property, originally acquired for £120,000, comprises nine residential units and one holiday let.

Despite the strength of the asset, the borrower had previously struggled to secure funding due to the listed status and mixed-use nature of the scheme.

Working with a strategic lending partner, Ramsay & White structured the transaction using a standard product rather than a more expensive holiday let facility.

The completed deal delivered:

A valuation of £995,000, exceeding initial expectations of £875,000
A £200,000 facility to support further improvements
Acceptance of the holiday let element within the lending structure

Paul Davies, Partner at Ramsay & White, said:

“This deal demonstrates how the right structure and lender relationships can unlock opportunities where others have struggled, particularly with listed and mixed-use assets.

By presenting the deal correctly, we were able to secure a competitive solution that supports both immediate improvements and long-term income.”