Farm Remortgages
Welcome to Farm & Country Finance for farm remortgages.
Farm & Country Finance at a glance
- Specialist brokers in farm remortgages across the UK.
- Established in 2000, with decades of experience.
- Farm remortgages available for farms, smallholdings, equestrian properties, caravan parks, nurseries, garden centres, fisheries, and land with or without buildings.
- Funding for any legal purpose, including debt consolidation, overdraft repayment, refinancing, working capital, diversification and start-ups.
- Independent access to reliable lenders, with personal, partner-led service.
- Solutions tailored for short-term bridging finance and long-term mortgages (5–30 years).
- Coverage across England, Wales and Scotland, with a funder in Northern Ireland.
- Income from any source considered, including projected income.
- Flexible support where bank relationships are strained or other difficulties arise.
Call us today for expert help and a free consultation on your farm remortgage options.
Farm & Country Finance is a well-established and reputable intermediary arranging farm remortgages 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 have lenders considering 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.
Finance for farms, buildings and rural enterprises
Farm & Country Finance specialises in arranging farm remortgages and agricultural loans to help customers refinance a farm or raise capital for any legal purpose. A farm remortgage can also fund improvements or extensions to existing properties or land, or refinance existing debt.
Flexible farm finance options
We provide access to specialist farm remortgage and agricultural finance for customers of all sizes and income ranges. Whether you need a farm remortgage or a short-term bridging loan, we can help:
- Farm mortgages: long-term funding, typically 5 to 30 years (subject to age).
- Farm remortgages: refinance existing debt, restructure loans, or release capital.
- Farm bridging loans: short to medium-term finance for urgent needs.
What can a farm remortgage be used for?
Farm remortgages are versatile and can support a wide range of purposes:
- Diversification projects: camping, glamping, or rental of farm buildings to create new income streams.
- Debt consolidation: replace existing loans or overdrafts with more favourable terms.
- Family succession: buy out a retiring relative or partner to secure ownership.
- Refinancing: convert short-term bridging loans into long-term farm mortgages.
- Business growth: purchase additional land, improve facilities, or expand operations.
Why choose Farm & Country Finance?
Traditional lenders often apply rigid criteria, requiring farm income to cover loan payments. We understand that many customers support their farms through other income sources, or are just starting out. That’s why we take a more flexible, sympathetic approach and tailor solutions to your circumstances.
Our hands-on service and decades of experience mean you’ll deal directly with a partner who knows farm remortgages inside out. We’ve helped customers refinance strained bank relationships, restructure debt, and secure more time to achieve their goals.
Call us today to discuss your farm remortgage options, we’ll bend over backwards to help.
What our finance can be used for
Remortgage 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.
Frequently asked questions
What are typical examples of what a farm remortgage can be used for?
A farm mortgage or remortgage can be used for many legal purposes, including:
- 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 another farm.
- Loan or finance to refinance a nursery or garden centre.
- To increase farm stock or to finance farm inputs.
- Farm development loan.
- Farm diversification loan.
- Farm loan with poor credit.
- Farm loan with projected income.
- Agricultural loans.
- Farm remortgage or loan for a property with an agricultural restriction.
- Land loans.
- Land mortgages or a mortgage for land.
What is a farm remortgage?
A farm remortgage is a loan secured on real property (farm, land, or buildings) by a first or second legal charge. In Scotland, this is known as a standard security. It can raise capital, replace existing secured debt, or both. In practice, it can have the same meaning as a farm loan or loan for a farm when secured on property.
What is farm property finance?
This is a farm loan or farm mortgage secured on property by a first or second charge. It may also be referred to as a farm remortgage, remortgage for a farm, farm loan, or loan for a farm.
What are other terms used to describe a farm remortgage?
These include agricultural mortgage, agricultural remortgage, loan for land, mortgage for land, land finance, land loan, remortgage for land, and finance, mortgage or remortgage for a smallholding.
What form does a farm remortgage take?
A farm remortgage can be short or long term. We arrange farm bridging loans for immediate needs and longer-term farm remortgages for stability.
Can I get a remortgage for land?
Yes. Any land loan secured on property is a mortgage. The main difference is availability: far fewer lenders offer land remortgages compared to house mortgages, which is why specialist brokers like us are invaluable.
Can I get a remortgage for a farm?
Yes, but availability is limited. Household remortgages may cover properties with small acreage and no commercial use, but true farm remortgages require specialist lenders. We can provide information on your options.
Is getting a remortgage for a farm like getting a remortgage for a house?
The principle is the same, a lender takes a charge over property, but the difference lies in process and availability. There are many lenders for houses, but only a handful for farms. That’s where we step in.
What if my existing farm mortgage lender is being difficult?
We consider all cases sympathetically and often help when banking relationships are strained or when remortgage options aren’t available through existing sources.
What if my bank is being difficult about my overdraft?
We are often called in to arrange a farm remortgage to repay overdrafts. Where possible, we can arrange a second charge loan (a secured loan for a farm).
How hard is it to get a loan for land?
It’s not hard if you know where to go. Sometimes there’s more than one way to achieve the same result, which is why contacting us is a smart move.
Is a remortgage available if I don’t intend to operate as a farm?
Probably yes, but each case is different. Contact us for information.
What if the house has an agricultural occupancy condition or tie?
Agricultural restrictions limit occupancy to those engaged in agriculture, which can reduce property values and make lenders cautious. However, these properties can be more affordable entry points to rural life. With decades of experience, we can guide you through your options.
Can I get a remortgage for a farm with no house?
Yes. Farm remortgages are available for this type of property.
Is a farm remortgage available if my accounts are not up to date?
Yes. A bad year or late accounts need not be a barrier. We have lenders who may consider projected income or, in some cases, no proof of income.
Is a loan available if I have adverse credit or have been refused elsewhere?
We review all cases sympathetically and can provide information on your options.
What do I do next to get a farm remortgage?
Contact us today, share your aspirations, and we’ll bend over backwards to help with your enquiry.
What other types of finance do you arrange?
- Low-rate farm finance.
- Agricultural finance and mortgages.
- Farm mortgages and remortgages.
- Finance for land.
- Rural loans and rural property finance.
- Mortgages for properties with agricultural ties.
