Call us: 01260 223540 | E-mail: info@farmandcountryfinance.co.uk

FAQ’s

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FAQ’s – a range of answers to the most common questions we get asked

Q1. I’ve heard some horror stories about mortgage intermediaries so how do I know I am choosing the right one to arrange my farm finance?
Q2. Why should I trust you to arrange my farm finance?
Q3. What can I use the money for?
Q4. Who will I be dealing with and what are you like?
Q5. I am not sure what type of farm finance I need?
Q6. I hate call centres – are you one?
Q7. I have credit problems, what’s the situation with these and will this rule me out of getting farm finance?
Q8. I’m up against it financially and in business – why does life appear so hard?
Q9. I am self-employed and cannot confirm my income to obtain farm finance?
Q10. Do you deal only with problem farm finance cases?
Q11. My bank is being difficult – can you help?
Q12. I’m not a farmer/ my business is not strictly agricultural – can you help me?
Q13. How quickly can I get my money?
Q14. My property has an agricultural tie or restriction, is this problem when arranging farm finance?
Q15. I’ve just got planning permission and want to convert some barns on my land, can you help?
Q16. If I’m interested, how do I start the process?

Why Us?

  • Personal Service
  • Friendly
  • Approachable
  • Trustworthy
  • Reliable
  • Professional
  • Dedicated

  • Q1. I've heard some horror stories about mortgage intermediaries so how do I know I am choosing the right one to arrange my farm finance?

    Yes, we’ve heard many a horror story ourselves, which is why we had to make the announcement you’ll see in the following link https://www.farmandcountryfinance.co.uk/blog/uk-farm-finance-and-des-phillips/ but you need only look at our testimonials and case studies to find just what we have done for customers and often the extraordinary lengths we go to make sure our customers are okay. The difference that makes the difference is that we want you to come back to us again, when you need us, and so you can count on us to arrange your farm finance.

    To see our testimonials on the farm finance we have arranged please click here https://www.farmandcountryfinance.co.uk/client-testimonials/
    Our case studies are here https://www.farmandcountryfinance.co.uk/case-studies/
    When you look at these you’ll find examples of:

    • Farm finance
    • Farm refinance
    • Farm mortgages and farm remortgages
    • Farm loans
    • Agricultural mortgages and agricultural remortgages
    • Short term farm finance
    • Loans for a properties with an agricultural tie
    • Farm Bridging Loans.
    • Mortgages for farms with an agricultural restriction
    • Long term farm mortgages.
    • Rural Finance, rural mortgages and rural remortgages
    • Loans for diversification of a farm business.
    • Mortgages for a smallholding with an agricultural restriction or loans smallholding with an agricultural restriction
    • Equestrian mortgages and equestrian re-mortgages
    • Mortgages for farm expansion
    If you would like to know more about your farm finance options call Farm and Country Finance free on 0800 008 7349, e-mail us at info@farmandcountryfinance.co.uk or make an enquiry here https://www.farmandcountryfinance.co.uk/contact-us/


  • Q2. Why should I trust you to arrange my farm finance?
    This is a very good question and one we love to answer. Put simply, we are passionate about doing the right job for our customers. This passion for honesty and integrity has resulted in many of our customers coming back to us and becoming friends. Moreover, we give a straight answer to a straight question. This often loses us business, because some other firms may tell you what you want to hear about farm finance and only pass on the truth at the last minute when it’s too late. We know of cases where customers have parted with lots of money to obtain an offer of a farm loan only to find out it wasn’t what they were told it was going to be. We know of others stuck in farm bridging loans and another where we’ve saved many thousands of pounds, by arranging an alternative farm bridging loan that allowed our customers to make more money from their sale – our testimonials and case studies exemplify these.

    To see our testimonials on the farm finance we have arranged please click here https://www.farmandcountryfinance.co.uk/customer_test.html

    Our case studies are here https://www.farmandcountryfinance.co.uk/case_studies.html

    When you call us, you will get an honest assessment of your particular wishes and objectives backed up by professionalism and experience.
    Put another way, we recognize that without our customers we would not have a business at all and so we put them at the centre of our business.

    Our testimonials tell you all you need to know about the way in which Farm and Country Finance will arrange your farm finance.
    If you would like to know more about your farm finance options call Farm and Country Finance free on 0800 008 7349, e-mail us at info@farmandcountryfinance.co.uk or make an enquiry here https://www.farmandcountryfinance.co.uk/contact-us/


  • Q3. What can I use the money for?

    You can use the money for any legal purpose. This may be farm finance to provide working capital to expand or to diversify your business with a farm loan, to buy equipment with a farm loan, put up buildings with a farm mortgage or to repay other more expensive debt or to reduce outgoings with a farm remortgage. Our customers often buy their dream property or land with an agricultural mortgage or simply want to raise farm finance for personal or leisure purposes. As long as the purpose is legal you can use the money for anything you desire. We specialise in being one of the few companies that can arrange mortgages for a property with an agricultural restriction and often our customers have found their dream property but do not know where to turn for their farm mortgage.

    If you would like to know more about what you can do with your farm loan call Farm and Country Finance free on 0800 008 7349, e-mail us at info@farmandcountryfinance.co.uk or make an enquiry here https://www.farmandcountryfinance.co.uk/contact-us/


  • Q4. Who will I be dealing with and what are you like?

    We’ve been involved in the finance business for over forty years combined, and you will deal only with the principals both of whom are well versed in raising farm finance. You might wish to think carefully about people who will rush out to see you the next day because they are likely to be doing this for their own benefit and not yours – if you tell us something that means we need to do something quickly then we will, but generally what dictates the pace are your requirements. We have a ‘can do attitude’ and have helped many of our customers achieve their dreams by arranging their farm mortgage. If we feel we can’t achieve what you want, we will tell you up front and if we can’t help, we may be able to help you find someone who can but only with your permission. Above all, we treat our customers the way we would like to be treated ourselves leaving you in the knowledge that we are the natural choice for your rural finance requirements.

    If you would like to know more about who you will be dealing with for your farm finance, call Farm and Country Finance free on 0800 008 7349, e-mail us at info@farmandcountryfinance.co.uk or make an enquiry here https://www.farmandcountryfinance.co.uk/contact-us/


  • Q5. I am not sure what type of farm finance I need?

    We realise that sometimes it can be confusing because of all the terms used to describe the type of finance we arrange.

    There are many different terms to describe farm finance that might include the following:

    • Farm finance and farm refinance or finance for a farm
    • Farm mortgages, farm remortgages and farm loans
    • Loans for farms and mortgages for farms
    • Loans for a smallholding or a mortgage for a smallholding
    • Rural finance and rural refinance
    • Rural mortgages, rural remortgages and rural loans
    • Agricultural finance and agricultural refinance
    • Agricultural mortgages and agricultural remortgages
    • Agricultural loans
    • Horticultural mortgages and loans for horticulture
    • Short term farm finance
    • Loans for a properties with an agricultural tie
    • Farm Bridging Loans.
    • Mortgages for properties with an agricultural restriction
    • Long term farm mortgages.
    • Rural Finance, rural mortgages and rural remortgages
    • Loans for diversification of a farm business.
    • Mortgage for a smallholding with an agricultural restriction
    • Equestrian mortgages and equestrian re-mortgages
    • Mortgages for farm expansion
    When you call us, we will explain all the farm finance options we believe are available to you so that you can make the right choice. Over many years, we have developed special relationships with the farm finance lenders that we use. The way we work is to find a solution to match your objectives.
    If you would like to know more about farm finance, call Farm and Country Finance free on 0800 008 7349, e-mail us at info@farmandcountryfinance.co.uk or make an enquiry here https://www.farmandcountryfinance.co.uk/contact-us/


  • Q6. I hate call centres - are you one?

    We hate call centres as well and we find, oddly enough, that none of our customers run their businesses in India, so why on earth would they want to talk to someone there? At all times, a human being based in the UK, will answer your call. Normally, this will be one of the business principals. The only exception to this is that, because some of our customers like to call us and make farm finance enquiries out of hours, we do have people who will answer the telephone as human beings, at any time of the day or night, 365 days of the year. We have chosen them for their politeness and professionalism though we do try to be around as much as we can. Call centres do not fit with our customers looking for farm finance.

    If you would like to know more about farm finance but not through a call centre, call Farm and Country Finance free on 0800 008 7349, e-mail us at info@farmandcountryfinance.co.uk or make an enquiry here https://www.farmandcountryfinance.co.uk/contact-us/


  • Q7. I have credit problems, what's the situation with these and will this rule me out of getting farm finance?

    We will handle these situations with care, empathy, professionalism and integrity and we are licensed debt counsellors and adjusters. We have successfully helped customers with loan arrears, mortgage arrears, rent arrears, defaults, county court judgments (ccjs) and high court judgments. We have helped customers arrange farm finance who are bankrupt or discharged bankrupts or who are in voluntary arrangements. In many cases we have successfully negotiated with creditors, trustees and supervisors for more time. In a recent case we obtained over £6,000 back from a receiver who we believed had overcharged our customer who we successfully arranged farm finance for. Our customer did not ask us to do this but we helped because we have a keen sense of what is fair. We believe there are not many firms who would help in this way.

    If you would like to know more about farm finance with credit problems, call Farm and Country Finance free on 0800 008 7349, e-mail us at info@farmandcountryfinance.co.uk or make an enquiry here https://www.farmandcountryfinance.co.uk/contact-us/


  • Q8. I'm up against it financially and in business - why does life appear so hard?

    Actually, this isn’t one of our frequently asked questions but it is included here because it ought to be.

    There is no doubt that farming has had its share of bad fortune over the last few years. What with foot and mouth, BSE and struggling prices let alone a government wanting to turn the countryside into a playground it’s no wonder that many of our customers looking for farm finance are relieved when they find someone like us who will listen. There is no easy answer to the question though, except that because people do business with people we can work together for our mutual success.
    If you would like to know more about how we can help with farm finance, call us free on 0800 008 7349, e-mail us at info@farmandcountryfinance.co.uk or make an enquiry here https://www.farmandcountryfinance.co.uk/contact-us/


  • Q9. I am self-employed and cannot confirm my income to obtain farm finance?

    We have access to farm finance lenders who will allow applicants to self-certify their income. So if you are self-employed or have no accounts we may still be able to help.

    If you would like to know more about how we can help with your farm finance options, call us free on 0800 008 7349, e-mail us at info@farmandcountryfinance.co.uk or make an enquiry here https://www.farmandcountryfinance.co.uk/contact-us/


  • Q10. Do you deal only with problem farm finance cases?

    No and we have access to lenders offering very competitive farm finance deals whatever your circumstances. Of course, not everybody will qualify for the farm finance they want but from us you will know this early on and not when it’s too late.

    If you would like to know more about how we can help with your farm finance options, call Farm and Country Finance free on 0800 008 7349, e-mail us at info@farmandcountryfinance.co.uk or make an enquiry here https://www.farmandcountryfinance.co.uk/contact-us/


  • Q11. My bank is being difficult - can you help?

    We hear a lot from our customers about this sort of thing. They’ve had a manager for how many years and been with the bank since Adam was a lad and then a new man comes in and the relationship becomes strained. Often the bank is sat behind an agricultural mortgage and can see everything that is going on. Our customers cannot believe how they can be treated this way and yet we see this all the time. The answer is that we look at all cases and give you an honest explanation of your farm finance options and then suggest things that you ought to do. We may be able to negotiate with your bank and have special experience of those cases where your account may be in recoveries.

    If you would like to know more about how we can help with your farm finance options, call us free on 0800 008 7349, e-mail us at info@farmandcountryfinance.co.uk or make an enquiry here https://www.farmandcountryfinance.co.uk/contact-us/


  • Q12. I'm not a farmer/ my business is not strictly agricultural - can you help me?

    We have our roots based in rural finance and specialise in providing funding for rural properties, finance for smallholdings, farm finance, equestrian finance, horticultural finance and most countryside related activities. However, our lenders do get involved in commercial, bridging and asset finance and property development funding for most types of property. The simplest way to find out if we can help is to call us free on 0800 008 7349.

    If you would like to know more about how we can help with your farm finance options, call Farm and Country Finance free on 0800 008 7349, e-mail us at info@farmandcountryfinance.co.uk or make an enquiry here https://www.farmandcountryfinance.co.uk/contact-us/


  • Q13. How quickly can I get my money?

    We have cases that have had their money in 3 working days after calling us. Obviously, no matter who tells you, this is exceptional but we can turn cases round very quickly. However, the most important thing is this – we will work according to the timescale you want and as your circumstances dictate.

    If you would like to know more about how we can help with your farm finance options, call us free on 0800 008 7349, e-mail us at info@farmandcountryfinance.co.uk or make an enquiry here https://www.farmandcountryfinance.co.uk/contact-us/


  • Q14. My property has an agricultural tie or restriction, is this problem when arranging farm finance?

    Raising a mortgage for a property with an agricultural tie means there are fewer lenders for this type of farm finance but we do have lenders for this type of farm loan.

    If you would like to know more about how we can help with farm finance for properties with agricultural ties, call us free on 0800 008 7349, e-mail us at info@farmandcountryfinance.co.uk or make an enquiry here https://www.farmandcountryfinance.co.uk/contact-us/


  • Q15. I've just got planning permission and want to convert some barns on my land, can you help?

    We can offer a farm remortgage or farm development finance, depending on what you intend to do with the finished project. We also can guide you on what is required throughout, to successfully raise this type of farm finance. If you are new to development, there are some dos and don’ts that we will be able to give you help and guidance with.

    If you would like to know more about how we can help with farm finance options, call Farm and Country Finance free on 0800 008 7349, e-mail us at info@farmandcountryfinance.co.uk or make an enquiry here https://www.farmandcountryfinance.co.uk/contact-us/


  • Q16. If I'm interested, how do I start the process?

    If you would like to know more about how we can help with farm finance options, call Farm and Country Finance free on 0800 008 7349, e-mail us at info@farmandcountryfinance.co.uk or make an enquiry here https://www.farmandcountryfinance.co.uk/contact-us/

 


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