Rural Bridging Loans
Bridging loans for rural property
Choosing the right rural bridging loan intermediary is essential. Farm & Country Finance is one of the UK’s most reputable sources of rural bridging finance, with decades of experience arranging short-term loans for rural properties.
At a glance
- Specialist brokers in rural bridging finance and short-term property loans across the UK.
- Established in 2000, with decades of hands-on experience.
- Finance available for farms, smallholdings, rural businesses, and land with or without buildings.
- Funding for any legal purpose, including debt consolidation, overdraft repayment, diversification, renovation, development and working capital.
- Independent access to flexible lenders who consider all income sources, including projected income.
- Loan terms from 3 months up to 60 months, with options for rolled-up interest to ease cash flow.
- Support available even where traditional banks say no or relationships are strained.
- Coverage across England, Wales and Scotland, with a funder in Northern Ireland.
Call us today for expert help and a free consultation on your rural bridging loan options.
What is a rural bridging loan?
A rural bridging loan is a short-term arrangement secured by a charge on rural property in the UK. Rural property includes land or buildings used for rural or countryside business purposes.
How are rural bridging loans repaid?
- Interest-only loans with monthly interest payments.
- Rolled-up interest, in some cases interest can be added to the loan and repaid at the end of the term, helping with cash flow.
- All money owed is repaid by the end of the loan term.
- Part repayments may be possible, depending on the circumstances.
Loan terms
- Available from 3 months to 60 months.
- Longer terms provide more time to plan repayment.
- In some cases, loans can run indefinitely provided interest is paid monthly.
Other terms you may hear
- Rural bridging loans or rural bridging finance.
- Bridging loan for rural property or rural business.
- Short-term rural loan.
- Bridging loan for property with agricultural restrictions.
Key points
- Used to refinance or buy rural property.
- Suitable for properties of all sizes.
- Can raise capital for any legal purpose, including purchase, buildings, debt repayment, diversification, development, renovation and working capital.
- Lenders consider all income sources, including projected income or cases with no proof of income.
- Specialist lenders are often more flexible than banks.
- Useful in challenging circumstances, such as replacing bank debt or avoiding receivership.
- We consider all cases, including those with arrears, judgments or creditor issues.
Why use Farm & Country Finance?
- Decades of experience arranging rural bridging loans.
- Strong lender relationships.
- Hands-on, personal service throughout the application process.
- Expertise to guide you into and out of bridging finance safely.
- Customer satisfaction, testimonials available at farmandcountryfinance.co.uk/client-testimonials.
- Professionalism backed by qualifications.
- Confidence, we are the natural choice to arrange your rural bridging loan.
Call us today to discuss your rural bridging loan options, we’ll bend over backwards to help.
Frequently asked questions
Is a rural bridging loan like a house mortgage?
The principle is the same, a lender takes a charge over property, but availability is far more limited. That’s why specialist brokers are essential.
What if my existing lender is being difficult?
We consider all cases sympathetically and often step in when banking relationships are strained.
Can a rural bridging loan repay a bank overdraft?
Yes. We can arrange bridging finance to clear overdrafts.
How hard is it to get rural bridging finance?
Not hard if you know where to go. We guide you to the right lenders and solutions.
Is finance available if my accounts are behind?
Yes. Some lenders accept projected income or no proof of income.
Can I get a loan if I have adverse credit?
We review all cases and adverse credit is not necessarily a barrier.
What if the property has planning restrictions (agricultural tie or occupancy condition)?
Restrictions reduce property values and make lenders cautious, but they can also make properties more affordable. With over twenty years’ experience, we can advise on your options.
What do I do next?
Contact us today, share your aspirations, and we’ll work tirelessly to help.
Other types of finance we arrange
- Low-rate farm finance.
- Rural finance and mortgages.
- Farm mortgages and farm remortgages.
- Land loans and mortgages for land.
