Mortgages for Land, Land Loans & Specialist Finance for Land
Do you need a land mortgage?
Farm & Country Finance provide specialist land mortgage finance for customers seeking a mortgage for land, loan for land, or remortgage for land anywhere across the UK.
Established in 2000, we are experienced specialist brokers in arranging land mortgages and land remortgages. While future returns can never be guaranteed, land has historically proven to be a strong long-term investment and opportunities to purchase land do not always arise frequently.
Farm & Country Finance at a Glance
- Specialist brokers in land finance across the UK
- Established in 2000 with decades of combined experience
- Finance available for any type of 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 proven and reliable lenders
- Partner-led, personal service
- Short-term bridging finance and long-term land mortgages (5–30 years)
- Coverage across England, Wales, Scotland, and access to a funder in Northern Ireland
- Income from any source considered, including projected income
- Flexible approach where bank relationships are strained
- Free consultation and expert agricultural finance guidance
Loan for Land or Mortgage for Land – What’s the Difference?
Many customers ask: “Can you get a mortgage for land?”
In reality, the terms land loan and land mortgage are largely semantic. A mortgage is simply a loan secured on property — whether that is a house, buildings, or land. The main difference is availability. While residential mortgages are widely available, only a limited number of lenders specialise in land mortgages.
If you are searching for any of the following, we can help:
- Land mortgage
- Mortgage for land
- Mortgages for land
- Land finance
- Finance for land
- Land refinance
- Land remortgage
- Loan for land
- Land loans
- Bridging loan for land
- Land bridging loan
- Finance for buying land
For simplicity, we refer to this type of funding as a land mortgage or land remortgage.
What Is a Land Mortgage?
A land mortgage is finance used to purchase or refinance land. We have arranged funding for plots of just a few acres through to substantial farmland acquisitions, including equestrian land loans and agricultural land finance.
A land remortgage replaces existing finance secured against land, typically raising additional capital that can be used for any legal purpose.
Funds raised have been used for:
- Erecting agricultural buildings
- Building or upgrading stables
- Diversification projects
- Working capital
- Debt consolidation
- Refinancing existing loans
Short-Term and Long-Term Land Finance
We arrange:
- Long-term land mortgages (typically 5–30 years, subject to age)
- Short-term land finance (6–60 months)
- Bridging finance for land purchases
- Refinance of land bridging loans
Every solution is tailored to your circumstances and long-term objectives.
Why Traditional Banks Often Decline Land Mortgages
High street banks frequently require the land itself to generate sufficient income to cover loan repayments. However, many landowners:
- Are starting new ventures
- Supplement repayments from other income sources
- Operate diversified rural businesses
- Require flexibility beyond traditional criteria
Our specialist lenders are prepared to consider income from multiple sources, including projected income, and are open to funding for virtually any legal purpose.
When Might a Land Remortgage Be Appropriate?
A land remortgage can be used to:
- Raise capital for development or diversification
- Improve cash-flow
- Consolidate existing land loans
- Refinance short-term bridging loans
- Replace strained bank facilities
- Secure additional time to restructure finances
We have successfully supported customers requiring urgent refinancing solutions where existing bank relationships were under pressure.
Why Choose Farm & Country Finance?
- Well-established and highly reputable intermediary
- Operating successfully since 2000
- Hands-on, experienced and partner-led service
- Independent access to specialist lenders
- Qualifications and expertise in land mortgage finance
- Proven client testimonials available
We work in partnership with our clients to help them achieve their goals and guide them throughout the entire application process.
Trusted Specialists in UK Land Finance
Farm & Country Finance is one of the most reputable intermediary sources of land finance in the UK. Our experience, independence, and specialist knowledge ensure you receive clear advice and tailored funding solutions.
We invite you to review our client testimonials and discover how we have helped landowners across the UK secure the finance they need.
Speak to a Land Finance Specialist Today
If you are seeking a land mortgage, land remortgage, or loan for land anywhere in England, Wales, Scotland or Northern Ireland, contact Farm & Country Finance today for a free consultation.
Your land finance solution starts with a conversation.
