Buy-to-Let, Portfolio & Commercial Finance Specialist
CeMAP CeMAP | NACFB member
Ross specialises in buy-to-let, portfolio landlord and commercial finance, including bridging and development finance. He takes the time to understand each client’s circumstances and investment objectives, helping them navigate both straightforward and more complex property finance requirements with clear, professional advice.
Ross Davis is a Mortgage, Protection & Commercial Finance Specialist at The Residential Mortgage Hub, with more than five years’ experience in the mortgage industry and a particular focus on buy-to-let, portfolio landlords and property investment finance.
Alongside residential mortgages, Ross specialises in buy-to-let, limited company lending and more complex property finance. He also works with clients requiring commercial funding solutions, including bridging finance and development finance.
Ross holds the Certificate in Mortgage Advice and Practice (CeMAP) and is a member of the National Association of Commercial Finance Brokers (NACFB), reflecting his specialist focus on commercial and property finance.
Before moving into mortgages, Ross built a strong background in finance, sales and management, including working as a broker in Mayfair and progressing into senior management roles within the motor industry. This experience gives him a strong commercial understanding and a confident approach to managing more complex transactions.
His approach is professional, knowledgeable and straightforward, with a strong focus on understanding each client’s objectives, explaining their options clearly and helping them navigate both standard and more complex finance requirements.
• Buy-to-let mortgages
• Portfolio landlords
• Limited company buy-to-let
• HMO & specialist buy-to-let
• Bridging finance
• Development finance
• Commercial mortgages
• Property investment finance
Ross is a qualified mortgage and protection adviser with a particular focus on buy-to-let, portfolio landlord and commercial finance. Before moving into mortgage advice, Ross built extensive experience in finance, sales and management, giving him a strong commercial background and an understanding of more complex client requirements.
Qualifications
Career experience
Professional memberships
Ross is a member of the National Association of Commercial Finance Brokers (NACFB), reinforcing his specialist expertise across commercial finance, bridging and development finance.
Buy-to-let affordability is usually based largely on the expected rental income, although the exact calculation varies between lenders. Ross can assess the likely rental coverage, deposit required and lender criteria before you commit to a property.
There is no single answer that suits every landlord. The most appropriate structure can depend on your tax position, future plans, portfolio size and how you intend to take income from the property. Ross can explain the mortgage implications of each route, although specific tax advice should be obtained from a qualified tax adviser.
It can. Some lenders apply additional underwriting to portfolio landlords and may assess the performance of the whole portfolio rather than just the property being purchased. Ross can review your existing borrowing and identify lenders whose criteria are more suitable for your circumstances.
Bridging finance is generally designed for situations where funds are needed quickly or where a standard mortgage is not immediately suitable, for example auction purchases, refurbishment projects, chain breaks or properties that are not currently mortgageable. Ross can help assess the proposed exit strategy and whether bridging is appropriate for the transaction.
The assessment can include the property itself, rental income, business performance, the experience of the borrower, deposit or equity available and the proposed repayment strategy. Ross can help present the case to suitable lenders and structure the borrowing around the transaction rather than treating it like a standard residential mortgage.
No. Ross is based in Cambridge and works with clients throughout the UK. Mortgage and Commercial Finance appointments can be conducted by telephone or Microsoft Teams, so you can receive advice regardless of where you are based.
