Equestrian Finance
Welcome to Farm and Country Finance for equestrian finance.
Do you aspire to own your own land or equestrian property? Perhaps you already own land or an equestrian property and are looking for additional equestrian finance for any purpose. There is no substitute for experience.
Farm and Country Finance at a glance
- Specialist brokers in equestrian loans and mortgages across the UK.
- Established in 2000, with decades of hands-on experience.
- Finance available for riding schools, racing stables, smallholdings, equestrian centres, and land with or without buildings.
- Funding for any legal purpose, including debt consolidation, refinancing, diversification, development, renovation, working capital, and start-ups.
- Independent access to flexible lenders who consider all income sources, including projected income.
- Loan terms from short-term bridging finance (3–60 months) to long-term mortgages (5–30 years).
- 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 equestrian finance options.
For over twenty-five years, we’ve been arranging equestrian loans and equestrian mortgages to help customers buy property, repay creditors, raise working capital, or diversify their equestrian business, in fact, for any legal purpose.
We’ve supported clients in many different scenarios:
- Where accounts are not strong enough for the banks.
- Where credit profiles are less than perfect.
- Where existing lenders are being difficult.
- Or simply where customers want a premium service, delivered with integrity and experience.
To read our customer testimonials, visit farmandcountryfinance.co.uk/client-testimonials.
And when you call, you’ll speak to one of us or our 24/7 team, no call centres, no scripts.
What is Equestrian Finance?
Equestrian finance is an umbrella term covering equestrian mortgages and loans for equestrian properties. It can be provided for:
- Properties of any size (with or without a house).
- Properties with equestrian restrictions (including agricultural ties).
- Land, buildings and smallholdings.
- Riding schools and racing stables.
- Rural and semi-rural properties.
What form does Equestrian Finance take?
- Short term: Equestrian bridging loans and development finance.
- Long term: Equestrian mortgages and remortgages (typically 5–30 years).
Why Farm & Country Finance?
Since 2000, we’ve provided access to specialist equestrian loans and mortgages. Our direct approach and lengthy experience help ensure you get the best possible service.
- Well-established and reputable.
- Independent, with access to a range of lenders.
- Hands-on, partner-led service.
- Honest feedback, if we can’t help, we’ll tell you straight.
- We bend over backwards to find solutions.
Key points about our Equestrian Finance
- All circumstances considered, with honest feedback.
- Problem cases sympathetically reviewed (arrears, judgments, adverse credit).
- Flexible lending criteria, full evidence of income may not be required.
- Competitive rates.
Typical examples of Equestrian Finance
- Finance or mortgages for riding schools.
- Loans for racing stables.
- Finance for smallholdings.
- Mortgages for equestrian properties with restrictions or ties.
- Equestrian loans for business start-ups.
- Development or diversification loans.
- Loans with imperfect credit or projected income.
- Agricultural loans.
- Land loans and mortgages.
FAQs
What is an equestrian mortgage?
A mortgage is a loan secured on real property by a first or subsequent legal charge (in Scotland, a standard security). Equestrian mortgages, loans and remortgages are essentially the same, secured finance for land and/or buildings. Remortgages can replace existing debt or raise additional capital.
What form does equestrian finance take?
It can be short term (bridging loans, development finance) or long term (mortgages, remortgages).
Is getting an equestrian mortgage like getting a house mortgage?
Yes and no. The principle is the same, a lender takes a charge over the property, but availability is far more limited. That’s why specialist brokers are essential.
What if I’m having difficulties with my existing lender?
We consider all cases sympathetically and often step in when banking relationships are strained.
Can equestrian finance repay a bank overdraft?
Yes. We often arrange remortgages to clear overdrafts.
How hard is it to get a loan for land?
Not hard if you know where to go. We guide you to the right lenders and solutions.
What if the property has planning restrictions (agricultural or equestrian tie)?
Restrictions can 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.
Can I get an equestrian mortgage if there is no house?
Yes, equestrian loans are available for this type of property.
Is finance available if my accounts are behind or if I have adverse credit?
Yes. Some lenders accept projected income or may not require proof of income. Adverse credit is not necessarily a barrier.
What do I do next?
Contact us today, share your aspirations, and we’ll bend over backwards to help with your enquiry.
Other types of finance we arrange
- Low rate farm finance.
- Agricultural finance and agricultural mortgages.
- Farm mortgages and farm remortgages.
- Finance for land and finance for rural property.
- Rural loans and rural finance.
- Mortgages for properties with agricultural ties.
For further information, see our testimonials and our case studies.
