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Here are a few of the common things we hear related to getting a residential mortgage for property with land. Your property is not residential or commercial – but it’s still good security Your usual broker or lender says there is too much land with your intended purchase. Your usual broker or lender says that […]
Is your credit rating stopping you from moving forward with farm finance, land finance or your agricultural mortgage? Are your accounts improving but not good enough for the banks, when considering your farm mortgage or mortgage for land? Are creditors pressurising you? Do you have debt arrears, facing repossession or facing receivership on your current […]
Just to explain a little more about our ethos at Farm and Country Finance. A customer contacted us to enquire about finance for starting a rural business. The property was ideal for our farm start up finance product. We learned that they were intending to sell their current unencumbered property, to put in as a deposit […]
In the light of recent and very sad events, can we remind you all of the need to be careful around slurry tanks. Here is the text of the NFU’s guidance on this. What is Slurry gas? Slurry gas is a mixture of gases including methane, carbon dioxide, ammonia and hydrogen sulphide. The gases are […]
At Farm and Country Finance, we like to pass on a bit of food for thought. As the economy recovers, here are a few tax insights to give you some ideas to think about and to talk to your accountant about. 1. Panic early – do not leave long term tax planning until it is […]
Since 6 April 2014, changes to permitted development rights allow for the conversion of agricultural buildings to residential use. Farm and Country Finance can arrange farm development finance to assist with this. Do your buildings qualify? The new rights apply to buildings and their curtilage that were in sole agricultural use as part of an […]
At Farm and Country Finance, we are receiving an increasing number of enquiries from customers who need a mortgage for a property with an agricultural restriction and we can arrange this type of finance but each case is different. An agricultural restriction is a condition imposed by a planning authority, when granting planning consent for […]
In an article not so long ago we suggested, indeed insisted, that we were not connected with the UK Group or UK Farm Finance. It was hardly surprising that some of our customers were asking whether we were, having come across UK Farm Finance or heard of them. Some of them were trying to get out of […]
The Government has announced changes to the Feed-in Tariff levels for all renewable technologies. The changes will come into effect from April 1 and have been published on the Ofgem website at https://www.ofgem.gov.uk/environmental-programmes/feed-tariff-fit-scheme/tariff-tables The tariff for small-scale anaerobic digestion (AD) plants with a capacity of 250kW or less have been reduced from 15.57p/kWh to 12.13p/kWh; plants […]
The farm mortgages Farm and Country Finance arranges can be used for any legal purpose. In this case, our customers, Nick and Chris, needed a farm loan to buy an apartment in Spain and were up against a tight timescale. When Chris first contacted us he was very stressed but, after talking to us, we could see the way […]