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Meet the Team

Merryoaks Property Finance is created from a collective of passionate property people with 40yrs+ experience working as Estate Agents, Investors, Developers and Specialist Lenders. As such, we have a profound understanding of the finance process, multi disciplined investment strategies and know exactly how our funding partners like their cases to be presented – enabling a holistic consultancy combined with smooth and swift funding solutions.
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Saam Lowni Portrait



Saam Lowni has a rounded view of the market gained from 20 years’ experience. His knowledge spans residential and commercial property development, sales, lettings, management and finance.

Saam gained broad experience working with boutique property agencies and national chains alike. He possesses international exposure through working with developers in London, Spain and the Middle East, and continues to build his own portfolio across London, the South East, West Midlands and the North East.

Most recently Saam has been a founding member of a Property Finance Provider which grew its fund from £0 to £300m and on course to fund 1000 homes across the UK.

Joel White Portrait



Joel White is the Group Director and founder of Ramsay & White Finance for Property Investors; a brokerage specialising in securing the best finance solution for investors across the UK. Since launching in 2018 the company has grown significantly and secured over £230m in lending for its clients, whilst also being recognised for various awards across the finance industry. In 2020 the business expanded further with Ramsay & White Estate Agents.

As well as actively investing in companies and property, Joel has a proven track record in strategic planning and helping investors momentum invest by using the right finance.

Paul Davies Portrait



As Head of Bridging & Commercial at Ramsay & White and with over 20 years of business and property investment experience under his belt, Paul has a wealth of knowledge when it comes to structuring commercial finance deals. As well as working with clients throughout the UK, Paul has also helped many Foreign Nationals successfully invest in the UK.

Paul Co-Founded Ramsay & White Estate Agents and actively invests in commercial and residential property.

Farnaz Lownis



With a 10-year professional engineering background, Farnaz enters the real estate finance world with an abundance of experience working on projects, building systems, processes and relationships.

A loyal, passionate, proactive, and hardworking team member, Farnaz brings her solution-focused, professional and uplifting energy to the field of Operations and Business Development to ensure both team members and clients have the best possible experience when working with Merryoaks.

Hakeem Osinowo



Hakeem has a passion for real estate following a career as a Letting Agent, a Finance Business Development Manager and finally as a Structured Finance Advisor. Having exposure to the property investment, development and finance markets, Hakeem's experience of lettings, sales, finance, commercial and residential properties has proved valuable in providing support to SME developers and investors.

Now working with Merryoaks Property Finance, Hakeem prides myself on delivering bespoke property funding solutions; assisting both new and experienced developers and investors enter and grow in the property market.

Alex Kotelawala



Over the last 5 years, Alex has worked in both mid-sized US accounting firms in tax for Individuals & SMEs, as well as UK-based brokerages (CeMap) in funding for SMEs, Individuals, Developers & Investors. As an investor himself and having built a portfolio over the last couple of years in the Southeast & London, Alex understands the need for efficient and clear solutions for other driven developers & investors to achieve their ambitions.

Today, Alex is focused on delivering bespoke solutions for SMEs, developers, and Investors to assist in their endeavours to both consolidate & grow their positions.

It is not the load that breaks you down.
It's the way you carry it.

Lou Holtz

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The Merryoaks Property Finance team have a long and successful background in finding and providing creative financial solutions for property investors and developers throughout the UK.
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