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Finance for Garden Centres

Looking For Garden Centre Finance? | Need a Loan or a Mortgage for a Garden Centre?

Do you aspire to own your own Garden Centre or do you already own a Garden Centre and are looking for extra Garden Centre Finance for any purpose?

Over many years, Farm and Country Finance has received enquiries from customers wanting to raise a mortgage for a Garden Centre to buy property, land, to consolidate debt, or raise working capital to diversify a Garden Centre Business – in fact, for any purpose.

We have helped many of these customers by arranging a loan for a Garden Centre, Garden Centre Mortgages and Garden Centre Finance.

Obtaining finance for a Garden Centre can be difficult, especially where accounting information may not be good enough for the banks. We take a sympathetic view of this and other situations where credit profile is not tip top.

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garden centre finance

garden centre finance

What is Garden Centre Finance?

An embracing term to cover mortgages for a Garden Centre, remortgages for a Garden Centre and loans for a Garden Centre.

Garden Centre Finance can be provided for properties of any size (with our without a house), for properties with occupancy restrictions (agricultural restrictions also known as agricultural ties) and for land, buildings and smallholdings.

What form does Garden Centre Finance take?

Garden Centre Finance can be long or short-term. We successfully arrange Garden Centre bridging finance or bridging loans and longer-term mortgages for Garden Centres and longer-term remortgages for Garden Centres.

Can I get a mortgage for a Garden Centre?

Any loan secured on real estate or property is a secured by a legal charge or mortgage and so the answer is yes. A secured loan for a Garden Centre and a Mortgage for a Garden Centre are the same thing. Our customers sometimes mistake mortgages as being just in relation to a house, where the term is widely accepted.

Some of the lenders, we arrange loans with, will take a second charge. This type of Garden Centre Loan is referred to as a second charge or secured loan. They are still Garden Centre Mortgages because they are loans secured on real estate. It is just semantics and the real question is whether we can arrange Garden Centre Finance for you to succeed at what you want to do.

The only point to bear in mind is that a mortgage for a Garden Centre or a remortgage for a Garden Centre are provided by far fewer lenders than a mortgage for a house, which is why it pays to talk to specialist brokers in the field.

Is getting a mortgage for a Garden Centre like getting a mortgage for a house?

The answer is yes and no. The principles are the same, in that a lender takes a charge over real property for making a loan available, but the difference is in processes and especially availability. In household mortgages, there are perhaps a hundred and more lenders all seeking the same business. A mortgage for a Garden Centre is available from far less lenders, which is why Farm and Country Finance can provide information on those options that might be available to you.

What if my existing lender is being difficult about my current Garden Centre Mortgage?

Farm and Country Finance will consider all cases sympathetically with a view to finding a solution in every case where possible. We are often engaged to find a solution where an existing banking relationship is strained or where further Garden Centre Finance is required but not available from existing sources.

What if my existing bank is being difficult about my current Garden Centre Overdraft?

We are often called in to raise finance to repay a bank overdraft. We can, where possible, seek to arrange this type of loan by way of a second charge or secured loan for a Garden Centre.

How hard is it to get a loan for a Garden Centre?

It is not hard as long as you know where to go, who to approach and if you are buying a Garden Centre, you have the right deposit which can vary and why Farm and Country Finance can guide you as to availability. Sometimes there is more than one way of achieving the same result which is why it is a good thing to make contact with us.

Is finance available for a Garden Centre I intend to do something else with?

The answer is probably yes but each case is different which is why you should get in touch with Farm and Country Finance. We consider all cases and try to find a solution; it is the very reason we exist.

Can I get a mortgage for a Garden Centre if there is no house?

The answer is probably yes.

What if the Garden Centre I am buying has a house with an agricultural occupancy condition, agricultural restriction or agricultural tie?

These are planning conditions that limit the occupation of a dwelling to certain class of occupant but essentially those engaged in agriculture which generally includes horticulture. Their impact is to (theoretically) limit the market in which properties can be sold which reduces values and makes most lenders nervous about properties which have one, as being good security. The result is that most lenders say no. The thing is that this type of property can often be bought more cheaply, than a similar property without a restriction, which makes them a good way to gain entry to a rural life.  After almost thirty years in the business, Farm and Country Finance will be able to give information about your options. It is important to see the wording of the agricultural occupancy condition, agricultural restriction or agricultural tie.

Is a loan for a Garden Centre available if my accounts are not up to date or up to scratch?

Each case is different and having had a bad year or where accounts are behind should not necessarily be a barrier to Garden Centre Finance. Again each case is individual but Farm and Country Finance has access to lenders that will consider both projected income and no proof of income.

Is a loan for a Garden Centre available if I have adverse credit or I have been refused elsewhere?

We consider all cases and try to find a solution and if we can we will give you information on your options.

What do I do next on my journey to getting a loan for my Garden Centre?

Call us and talk to us about your aspirations and we’ll bend over backwards to help with your Garden Centre Finance enquiry.

Contact Us

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We are here to help, so please do not hesitate to contact us. We will be pleased to hear from you.

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