Farm Finance
Welcome to Farm & Country Finance.
Farm & Country Finance at a glance
- Specialist brokers in farm finance across the UK.
- Established in 2000, with decades of experience.
- Finance available for rural property of all types, including farms, smallholdings, land with or without buildings, equestrian properties, caravan parks, nurseries, garden centres and fisheries.
- Finance 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 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 there are other difficulties.
Call us today for expert help and a free consultation on your farm finance options.
Farm & Country Finance is a well-established and reputable intermediary arranging farm finance, farm loans and farm mortgages across the UK. Since 2000, we have helped farmers, landowners and rural businesses secure tailored finance solutions. As independent brokers, we provide expert guidance, personal service and access to a range of lenders.
We pride ourselves on listening to our customers, and we have lenders who consider many different situations, including where income needs to be projected, where existing banking relationships are strained, and where credit might not pass muster.
We have a 24/7/365 human contact service and, when discussing your needs, you will speak to someone who knows their onions. If we can’t find a solution, we’ll tell you straight, no jargon and no false promises.
What our finance can be used for
Purchase of rural property of any description
- Land with or without buildings.
- Working farms and non-working farms.
- Holiday complexes.
- Equestrian properties.
- Caravan parks and caravan sites.
- Properties with agricultural restrictions.
- Nurseries and garden centres.
- Smallholdings, estates, fisheries and farm shops.
- Funding a dream property.
- All types of rural properties.
Refinance for any legal purpose
- Consolidate debt.
- Repay creditors such as HMRC.
- Buy more land.
- Working capital.
- Renovation, improvements and development.
- Repayment of a bank overdraft.
- Replace current funding where relationships are strained.
- Start-ups.
- Reduce outgoings and support diversification.
Here are the types of finance we arrange
| Main type | Explanation | Other descriptions |
|---|---|---|
| Farm mortgages | Loans secured on farms, including land, buildings and farmhouses. | Farm mortgage, mortgage for a farm, loan for buying a farm, finance to buy a farm, finance to buy a farm shop. |
| Farm remortgages | Used to replace existing debt and raise additional funds if needed. | Farm remortgage, remortgage for a farm, remortgage of a farm bridging loan. |
| Farm loans | Loans secured on farms (including land, buildings and farmhouses) used to replace existing debt and, where requested, raise additional funds. | Farm loans, loan for a farm, farming loans, farm development loan, farm diversification loan, farm loan with poor credit, farm consolidation loan, farm loan with projected income. |
Farm finance can be arranged short term (from three months) or long term, typically from 5 to 30 years depending on your age and circumstances. We cover England, Wales and Scotland, and have access to a funder in Northern Ireland.
Why choose Farm & Country Finance to arrange your farm finance?
- Established in 2000, with decades of experience, well-established and reputable.
- Hands-on, personal service, every case handled by a partner.
- Independent access to reliable lenders.
- Transparent opinions, if we cannot help, we’ll tell you honestly.
- Testimonials available from satisfied clients at farmandcountryfinance.co.uk/client-testimonials.
- Specialist knowledge in farm finance, hands-on and experienced.
Frequently asked questions
What is farm finance?
Farm finance is our umbrella term for all types of farm loans and agricultural funding, including farm mortgages, farm loans, land loans, farm remortgages and finance for properties with agricultural restrictions.
What are typical examples of what farm finance can be used for?
- Farm remortgage and repaying farm debt.
- Repaying a farm loan or another type of rural loan.
- Farm finance for a business start-up.
- Finance for farm working capital.
- Finance for buying land.
- Loan or finance for buying a farm.
- Loan or finance for buying a smallholding.
- Loan or finance for buying an equestrian property or business.
- Loan or finance for buying a nursery or garden centre.
- A farm bridging loan or farm bridging finance.
- Finance to buy a working farm or a farm shop.
- Buying a caravan park or caravan site.
- Buying a fishery or fisheries.
- Farm development loan.
- Farm diversification loan.
- Farm loan with poor credit.
- Farm loan with projected income.
- Agricultural loans.
- Farm mortgage or loan to buy a property with an agricultural tie restriction.
- Land loans.
- Land mortgages or a mortgage for land.
What is farm property finance?
These are farm loans or farm mortgages secured on property by a first or second charge. In Scotland, a mortgage is known as a standard security.
What are other terms used to describe farm finance?
These include agricultural mortgage, agricultural remortgage, loan for land, mortgage for land, land finance, land loan, remortgage for land, finance for smallholding, mortgage for smallholding and remortgage for smallholding.
What form does farm finance take?
Farm finance can be short or long term. We successfully arrange farm bridging finance (bridging loans) and longer-term mortgages for farms, as well as longer-term remortgages for a farm.
Can I get a mortgage for land?
Yes. Any land loan secured on real estate is secured by a legal charge or mortgage. A secured loan for land and a mortgage for land are the same thing. The key point is availability: a mortgage for a farm or land is provided by far fewer lenders than a mortgage for a house, which is why it pays to talk to specialist brokers in the field.
Can I get a mortgage for a farm?
Yes, but availability is the key. Household mortgages may be available for properties with only a small acreage (often up to ten acres) and no commercial use or significant farm buildings. Outside of this, most mainstream lenders are unlikely to be keen. Some customers are surprised when their existing lender will not allow them to port a mortgage to a rural property, usually because it is outside their policy. We can explain your options.
Is getting a mortgage for a farm like getting a mortgage for a house?
Yes and no. The principles are the same, a lender takes a charge over real property, but the difference is process and availability. Household mortgages are available from many lenders, whereas farm mortgages are available from far fewer lenders. We can advise on the options.
What if my existing farm finance lender is being difficult about my current farm finance?
We consider all cases sympathetically, with a view to finding a solution wherever possible. We are often engaged where an existing banking relationship is strained or where further farm finance is required but not available from existing sources.
What if my existing bank is being difficult?
We often step in when banking relationships are strained or overdrafts need refinancing. We consider all cases sympathetically and aim to find workable solutions.
How hard is it to get a loan for land?
It is not hard as long as you know where to go, who to approach and, where you are buying property, you have the right deposit. Sometimes there is more than one way of achieving the same result, which is why it is a good idea to contact us.
Is finance available for a farm I do not intend to operate as a farm?
Probably yes, but each case is different, which is why you should contact us to discuss the details.
What if the house I am buying has an agricultural occupancy condition, agricultural restriction, or agricultural tie?
These conditions limit occupancy to those engaged in agriculture, which reduces property values and makes lenders cautious. However, such properties can be affordable entry points to rural living, and we can advise on your options.
Can I get a mortgage for a farm if there is no house?
Probably yes.
Is farm finance available if my accounts are not up to date or not up to scratch?
Yes. Some lenders will consider projected income or cases with no proof of income.
Is a loan for a farm available if I have adverse credit or I have been refused a farm mortgage or farm remortgage elsewhere?
We review all cases individually and can advise on available options.
What do I do next to get a loan for a farm?
Call us to discuss your aspirations. We’ll bend over backwards to help with your enquiry.
What other types of finance do you arrange?
- Low-rate farm finance.
- Agricultural finance.
- Agricultural mortgages.
- Farm mortgages.
- Finance for land.
- Rural loans.
- Rural finance.
- Mortgage for land, land loans and finance for land.
- Mortgages for properties with agricultural ties.
