Wolsey
Finance for Housebuilders

Get finance. Get building.

Find out how

We are lending now

We are lending now

Up to £20 million+ in senior debt or bridging finance is available on competitive terms for projects that display the right opportunities for success.

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Why talk to Wolsey?

Why talk to Wolsey?

More than any other lender, we blend years of expertise in both housebuilding and finance to provide genuinely creative and bespoke funding designed to get you building.

Experience

Experience

Because each member of the Wolsey team has extensive experience of residential development, we offer far more insight than a simple financier. Years of experience in both development and finance allows us to recognise the potential of a scheme and understand the challenges our clients face, thereby enabling us to find a practical funding solution to suit the needs of both the project and the developer. This has been the Wolsey way for over 20 years, allowing us to support over 300 developments across the UK.

Service

Service

Our aim at Wolsey is simple: To get housebuilders building. Our unique service could provide you, as a residential developer, funding at the critical moment necessary to seize an opportunity. Call us – perhaps we can see the potential in your development that other lenders have not, or offer a more creative or competitive financing solution. We consider all schemes, responding quickly with clear and effective decision making to ensure you meet your deadlines.

People

Wolsey is a specialist team, combining the best expertise in housebuilding and finance.

Richard Ramsay

Richard Ramsay

(MA, FCA)

Chairman (non-executive)

Richard became chairman of Wolsey in 2008. He brings a wealth of experience in commerce and finance with a career spanning over forty years. He has held senior positions with leading investment and banking organisations, including MD Corporate Finance, Barclays de Zoete Wedd, FD at Aberdeen Football Club, and an MD of Ofgem. Richard is currently on the board of two quoted investment companies, and is chairman of Northcourt & URICA, and Castle Trust Capital plc, all financial services businesses.

Mike Ratcliffe

Mike Ratcliffe

(MRICS, FASI, FCIOB)

CEO

Mike has been a Managing Director in housebuilding for over 42 years, with notable successes in Ann’s Homes, Cala, Fairclough Homes and Rushmon Homes. In 1994, Mike founded Wolsey, recognising the demand in the market for an independent specialist lender that understood the demands of the housebuilding sector. Wolsey became the largest funder of residential development in the UK, with schemes from Penzance to Aberdeen under Mike’s leadership as CEO.

Stephen O'Brien

Stephen O'Brien

(BSc, CA)

Managing Director, Wolsey

Stephen joined Wolsey in 2004 as Finance Director, spearheading the successful growth of the business. He became Managing Director in 2009. Prior to Wolsey, Stephen had gained twenty years of experience funding a wide range of complex opportunities from PFI/ PPP to joint ventures that included several housebuilders via his career with a Big Four accountancy firm and as part of Lloyds Banking Group.

Chris Foulkes

Chris Foulkes

(BSc)

Director of Investment

Chris joined Wolsey in 2002 and has over 13 years of experience in residential development funding. His previous career in volume private speculative housebuilding spans four decades, 19 of those at regional board level and 13 years as MD with several national housebuilders. Chris has worked through both good and challenging economic climates, always with an eye to maximising margin potential while minimising risk.

Angus Whimster

Angus Whimster

(FCA)

Director of Business Development

Angus joined Wolsey in 2007, bringing 15 years of investment banking experience, specialising in the structuring and financing of senior debt, mezzanine loans and equity finance for residential and commercial property transactions. He draws upon his experience and relationships with proven lending sources to provide bespoke funding packages for Wolsey clients.

Steve Ratcliffe

Steve Ratcliffe

(BEng)

Non-executive Director, Wolsey

Steve was co-founder of Wolsey in 1994 and Finance Director until 2004. Steve has over 20 years of experience in the housebuilding industry and holds a position on Wolsey's Credit Committee.

Track record

A gallery of schemes made possible through Wolsey funding.

Wolsey. Trusted by residential developers across the UK.

  • MD of Hereford housebuilder

    MD of Hereford housebuilder

    "After 18 months talking to brokers and banks I finally meet Chris Foulkes of Wolsey on site and with his experience, having been a developer, finally someone could see what could be achieved. No other lender had had this vision, and I finally found myself with the funding I needed. Wolsey have proved to be the development's lifeline."
  • MD of South West residential developer

    MD of South West residential developer

    "Wolsey drew on its housebuilding experience to recognise the great potential of this scheme where other more traditional funders had not."
  • MD of Southern regional housebuilder

    MD of Southern regional housebuilder

    "Despite the many challenges, Wolsey moved quickly to secure the required finance."
  • Director of Midlands regional housebuilder

    Director of Midlands regional housebuilder

    "Securing funding through Wolsey has enabled us to embark on a substantial development. It has got us building and driving forward with marketing and selling, and that's what it's all about."