Agricultural Mortgages
Need an agricultural mortgage or agricultural remortgage? Farm & Country Finance provide specialist finance for customers seeking agricultural mortgages.
Farm & Country Finance at a glance
- Specialist brokers in agricultural mortgages across the UK.
- Established in 2000, with decades of experience.
- Mortgages available for agricultural property of all types, including farms, smallholdings, land with or without buildings, equestrian properties, caravan parks, nurseries, garden centres and fisheries.
- Agricultural loans available for any legal purpose, including debt consolidation, overdraft repayment, refinancing, working capital, diversification and start-ups.
- Independent access to reliable and proven lenders, with personal, partner-led service.
- Solutions tailored for both short-term bridging finance and long-term agricultural mortgages (5–30 years).
- We cover England, Wales and Scotland, with a funder in Northern Ireland.
- Income from any source considered, including projected income.
- Flexible where existing bank relationships are strained or where other difficulties arise.
Call us today for expert help and a free consultation on your agricultural mortgage options.
Since 2000, Farm and Country Finance has specialised in the arrangement of agricultural mortgages and agricultural remortgages. Our hands-on approach and extensive experience in agricultural finance ensure that you receive the best possible service.
The key to arranging an agricultural mortgage is availability. There are many lenders for residential mortgages, but only a limited number for agricultural mortgages.
What is an Agricultural Mortgage?
An agricultural mortgage raises money to buy agricultural property, whether farms, smallholdings or bare land. An agricultural remortgage repays existing debt on an agricultural property and replaces it with a new loan, with or without additional funds, for any legal purpose.
Other terms you may hear
If you are looking for any of the following, we can help. These are all forms of agricultural finance secured on land:
- Agricultural mortgage.
- Agricultural remortgage.
- Mortgage for agriculture.
- Mortgages for agriculture.
- Agricultural finance.
- Finance for agriculture.
- Agricultural refinance.
- Finance for buying land.
- Land remortgage.
- Mortgages for land.
- Farm mortgages.
- Farm remortgages.
- Remortgage for land.
- Agricultural loans.
- Loan for agriculture.
- Agricultural bridging loans.
Loan terms
We can arrange agricultural mortgages and agricultural remortgages on a long-term basis, typically between five and thirty years (subject to age), or on a shorter-term basis from three months to sixty months where required.
What can an agricultural mortgage or remortgage be used for?
Our lenders are keen to lend for a wide range of purposes. They are happy to consider other income sources in addition to farm income, and may accept projected income where appropriate.
An agricultural remortgage can:
- Raise capital to construct buildings, renovate property or support development and diversification.
- Consolidate existing agricultural loans and improve cash flow.
- Refinance an agricultural bridging loan over the long term.
- Replace bank debt where relationships are strained or receivers are involved.
Farm and Country Finance is one of the most reputable intermediary sources of land finance in the UK. We guide and support you throughout the application process and act independently on your behalf.
Why use Farm & Country Finance?
- A well-established and reputable company.
- Hands-on, experienced partners handling every case.
- We work in partnership with our customers to help them achieve their goals.
- References and testimonials readily available.
Other things to consider
- Established in 2000, we have successfully arranged agricultural mortgages and remortgages for many years.
- Customer testimonials are available at farmandcountryfinance.co.uk/client-testimonials.
- Professional advice backed by qualifications and experience.
- We hope this inspires confidence to engage us as your natural choice for arranging an agricultural mortgage.
Frequently asked questions
What is a mortgage?
A mortgage is a loan secured on real property by a first or subsequent legal charge. In Scotland, this is known as a standard security. An agricultural mortgage follows the same principles as a residential mortgage but is secured on land or agricultural property.
Is getting an agricultural mortgage like getting a mortgage for a house?
Yes and no. The principle is the same, but availability is very different. There are many residential lenders but far fewer agricultural lenders, which is why specialist advice is essential.
What if my existing agricultural mortgage lender is being difficult?
We consider all cases sympathetically and often step in where banking relationships are strained or traditional lenders are unable to help.
What if my bank is being difficult about my overdraft?
We are often engaged to arrange an agricultural remortgage to repay a bank overdraft. Where appropriate, we may also arrange a second charge loan secured on agricultural property.
How hard is it to get an agricultural mortgage?
It is not hard if you know where to go. We guide you to the most suitable lenders and solutions.
Is an agricultural mortgage available if my accounts are not up to date?
Each case is assessed individually. A poor year or delayed accounts need not be a barrier, as some lenders will consider projected income or limited proof of income.
Is an agricultural mortgage available if I have adverse credit?
We review all cases sympathetically and will advise you on the options available.
What do I do next?
Contact us to discuss your plans and we will bend over backwards to help with your agricultural mortgage or remortgage enquiry.
What other types of finance do you arrange?
- Low-rate farm finance.
- Agricultural finance.
- Agricultural mortgages.
- Farm mortgages.
- Rural loans.
- Rural finance.
