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NEWS: Wolsey Mortgage Company Scoops Award


Wolsey Mortgage Company Ltd based in Suffolk has been announced as the winner of the SME Finance Awards, scooping the coveted 'Best Mortgage Advisory Firm 2019 in East Anglia' award. 

The competitive and renowned annual awards celebrate excellence and innovation of financial services and businesses across the country.

Andrew Sale, Managing Dircector of Wolsey Mortgage Company, said: "The SME Finance Awrads are a real celebration of the best that the Financial Services have to offer and we're extremely proud to have scooped this fantastic award for our devotion to offering a superb service to our customers and clients."

Andrew continues: "We're a relatively young company and to be recognised for our hard wortk and acheivements in this challnegign industry is something really special."

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What does an interest rate rise mean to me?


You may hear people nervously talking about an increase in the Bank of England Base Rate, but what effect could this have on you?

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How do I work out the total cost of my mortgage?


One option you have is to Google “mortgage calculator” and take a look at one online. But does this give you the full picture?

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Why do I need to provide ID for a mortgage application?


Parliament brought in the Money Laundering regulation (now known as the Money Laundering Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017) and the Proceeds of Crime Act 2002 to protect customers from fraud, but also to try to prevent criminals using ill-gotten gains to buy things, resulting in their dirty money becoming clean (hence the laundering).

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Do you have enough contents cover on your home insurance?

It’s been estimated by the Association of British Insurers that 1 in 5 UK households are underinsured. This means that if the worst was to happen and you lost all the contents in your home, your pay out from the insurance company wouldn’t be enough to replace everything.
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What is a bad credit mortgage?


There isn’t really such a thing as a bad credit mortgage. There are lenders that offer regular mortgages to those with less than perfect credit rating or have had credit issues in the past.

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Why do I need buildings insurance?


When you buy a home with a mortgage, there is a stipulation from the mortgage lender that you must have sufficient buildings insurance in place.

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Is the Buy-to-Let market still a good investment?

eMoov predicts that house prices in the UK will see an increase of 56% during the next decade and by 2027 the average cost of a home in the UK could be as much as £347,757*, you won’t get that sort of return on your savings account!
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To move or improve?

That’s the big question faced by many a homeowner. Can you face the upheaval of moving? Have you outgrown your current home? These are just a couple of factors that can influence your decision.
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How much deposit do I need to buy a house?


You’ve decided to get yourself on the property ladder but how much will you need to put down as a deposit? The minimum deposit you’ll need to get a mortgage is 5%.

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What type of valuation report should I go for?

So, you’ve found the house of your dreams, put in an offer and it’s been accepted. You’ve let your lender/mortgage broker know and they’ve asked you what sort of survey you’d like to go for???? Eek, what do you do, this is an expensive time should you go for the basic valuation at the lowest cost or go the whole hog and get a full building survey done? 
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Can I get a mortgage if the property has Japanese Knotweed?


Japanese Knotweed was introduced into the country in the early 1800’s as an ornamental plant for the garden. Little did they know, the destructive nature of this weed. 

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What’s the difference between a Freehold and Leasehold property?


Properties are bought on a Freehold, Leasehold or part Freehold/part Leasehold basis.
Freehold properties are owned outright including the land that the property sits on. With this comes the responsibility of maintaining the property and land entirely. Some properties can become leasehold properties via shared ownership schemes.

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Where can I get a mortgage from?


There are many reputable lenders out there that you can approach for a mortgage. You could go to the bank that you hold your current account with, you could go to any bank or building society on the high street or you could contact an internet lender.

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Can I get a mortgage if I’m on disability benefits?


Being on disability benefits won’t stop you from being able to get a mortgage, as there are lenders out there that will take benefits into consideration even if this is your sole income.

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Do I need Life Insurance?


Death is normally a taboo subject, but when you start making financial commitments and/or have children, it’s important that you have something in place should the unexpected happen.

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How do I find out if I have a bad credit rating?


Before applying for a mortgage, it’s always a good idea to check your credit rating, whether you believe it’s bad or not.

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Can I get a mortgage on an auction property?


Specialist mortgage lenders will offer you a mortgage on an auction property if it is habitable or lettable (assuming you meet the lending criteria and can afford the repayments).

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Should I overpay my mortgage?


There are several benefits to overpaying your mortgage but there are circumstances when it makes sense to keep to your agreed repayments as set out by your mortgage lender.

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Can I rent my Buy-to-Let property to a family member?

It can be done but it is a little trickier than a regular Buy-to-Let.

When renting to a direct relative (i.e. parent, child, grandparent or sibling), this becomes a “regulated” Buy-to-Let.
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