Routes to funding

Flexibility is key

We structure funding to work for you and your scheme’s needs.

Depending on what level of risk you wish us to share, terms can vary around profit share or exit fee to create the optimum product for each opportunity.

Our objective is to deliver appropriate finance to help you achieve the proposed development.

100% development funding

100% finance for residential development is a rare commodity. We understand it, and have been providing it for 13 years, to successful housebuilders across the UK.

  • Wolsey funds all costs
  • We fund the full cash flow requirement – including the land, construction, marketing, rolled-up interest, valuation, survey, legal services and all other associated costs
  • You don’t pay for funding you don’t need

    Ideal… if you choose not to tie up any of your own money in a scheme.

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    Highly geared mezzanine funding

    With some of your cash in the deal – typically to a maximum of 10% of the cash flow costs – we will offer you a bespoke solution with enhanced returns.

  • Use your capital to enhance your return
  • Exit fee, or profit share terms – you can choose the best solution for your business

    Ideal… if you’re looking to meet the difference between the sum your bank will lend you and the investment you wish to make yourself.

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    Refinancing

    With housebuilding, your capital is invested in development.

    So, how can you access the value you’ve already generated to date or fund your next site? We can:

  • release capital from your schemes
  • make funds available quickly

    Ideal… for developers looking to turn existing schemes into cash.

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    Other funding

    We work with developers exploring a variety of funding options. These include routes to growth via acquisition of other companies, or management buy-out activity (MBOs and MBIs).

    We can create a strategic relationship with you to ensure you maximise the true value of your business and achieve your corporate goals.

    Ideal… if you’re a housebuilder looking to protect your management control, minimise dilution of equity and avoid gearing your business too highly.

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    Transparency, commitment and co-operation

    Our long-term relationships are built on:

  • proposals made without charge or obligation
  • responding to deadlines
  • ensuring each appraisal includes our expectation of all costs
  • only funding schemes where there is an acceptable return for the developer
  • no hidden costs, no upfront or arrangement fees
  • extensive experience which can be drawn on as required throughout the development process

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    Your project, your way, with our finance

    Our aim is to enable your business to grow, and be profitable.

    We are confident there is no residential funding specialist better placed to get you the best development funding solution.

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    What we fund