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Meet the Leadership 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.

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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