A longer term type of loan usually over ten to thirty five years with fixed and discounted rates available arranged on a capital and interest or interest only basis.

Purchase of a Farm, the purchase of a smallholding, the purchase of a property with an agricultural restriction, the purchase of land, or the purchase of buildings and the refinance of these type of properties to provide capital for any legal purposes but typically to diversify, develop, repay other expensive debt, repay a bank overdraft, reduce outgoings or to buy other assets such as cattle, stock or equipment.

A longer term type of loan usually over ten to thirty five years with fixed and discounted rates available arranged on a capital and interest or interest only basis.

Purchase of a Nursery, the purchase of a Horticultural or Growing Business, the purchase of a Garden Centre, the purchase of a property with an agricultural restriction, the purchase of land, or the purchase of buildings and the refinance of these type of properties to provide capital for any legal purposes but typically to diversify, develop, repay other expensive debt, repay a bank overdraft, reduce outgoings or to buy other assets such as stock or equipment.

If you have a property to sell and one to buy or one to buy for a quick turnaround this may be the type of finance for you. These facilities are essentially short term until a property is sold or other money comes in to repay the debt. In many cases, no interest is paid and this is added to the account to be repaid with the initial loan at the end of the term. Care is needed to select the right lender and in considering bridging finance you should be sure that there is a way out of the loan at the end of the term. Do not be misled into believing that bridging is the right way when other long-term finance might be available. It can be easy to get into bridging but harder to get out and for this reason you need the expertise that Farm and Country Finance has to offer you.

Any legal purposes including but not being limited to repaying debt, repayment of an overdraft, diversification, working capital, business start ups, reducing outgoings, purchases of any kind and development of property or development of business. The funding of a dream property
(here is a case study example of this type of farm finance)

This is another area where expertise is required because getting it wrong can be costly. If you have a property to develop and particularly new build the importance of professional advice cannot be over emphasised. With development, the property will be valued in its current state and on the basis that the work is completed. The loan is based on the higher of the values though the lender will only permit a percentage of the current value to be drawn down. The remaining money will be drawn as the work progresses usually, but not always, in accordance with certification of the work done in stages by an Architect or similar professional. It is important with any new build to have some form of ten-year guarantee, such as an NHBC warranty or similar insurance backed warranty. If you decide to sell the property, you can bet that a solicitor will ask to see the guarantee and without it, your buyer is likely to find it difficult to obtain a mortgage. Also, if you subsequently want to borrow within ten years of completion (though our lenders will often take a view) the absence of a guarantee can make life difficult. The good news is that we have a source for insurance backed warranty policies in retrospect and you can count on our guidance to always point you in the right direction with this type of finance.