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Farm Finance


Partners Personal Profiles



Mark Bracegirdle

Mark Bracegirdle

FCCA, FMAAT

I am originally from Wilmslow in Cheshire where my father and his father before him ran a thriving garage business.

I am very much family orientated and am married to Louise, a farmer’s daughter and have two adult children, Lily a teacher and George who is a vet.

After leaving school and after college, I eventually chose accountancy as a profession and qualified in 1985, though I am not a typical accountant which is probably why I am doing what I am doing now. My qualification gives our customers the benefit of knowing that they are doing business with people of integrity, who know what they are doing. There are many in this business who do not.

As an accountant, I was always employed in commerce and industry and my last role was as Commercial Director for a machinery importer. This became a little too routine and, wanting a fresh challenge, I started a finance broking business in 1990. Experience is a hugely important factor in being successful in this business.

Over the years I have helped people fulfil their dreams of property ownership and assisted people in challenging financial situations. I like to sort out problems and am not fazed by them. Amongst other things I have been engaged to provide expert witness testimony which hopefully will give you confidence about my integrity, experience and willingness to help. I am grateful to the many people who send us testimonials that say all that needs to be said.

I have always operated my businesses in a way that enables our customers to deal with a principal. Our calls our answered by us personally, or by our English answering service and so we are available 24/7. What matters to me is quality of life, which is why, when we help customers, we see things in how what we do will improve their lot.

Mark Andrew, who came into the business in 2006, is a trusted friend and business partner who I have known for more than thirty years. He shares the same values of honesty and integrity that I believe in.

Mark and I love the countryside and what it means to us all. We know why people want to live in the country and what makes rural folk tick. When you talk to us, you won’t find it like talking to the bank manager or a lawyer but real people with whom you can do business; people who are ready to listen and, more importantly, to share your problems, hopes and dreams all delivered with a sense of humour (where appropriate) and with honesty.

Mark and I are the natural choice to arrange your rural finance.



Mark Andrew

Mark Andrew

I started work in banking at the age of 16 with Lloyds TSB, or Trustees Savings Bank, as they were known then.

I was promoted several times and moved from branch to branch before deciding (after 10 years) that I wanted a field based job. I was offered a position with the Royal Bank of Scotland, on the asset finance side of banking, and was with them for 7 years, before being offered a better position with part of the Alliance and Leicester group in Manchester.

I enjoyed 7 years with them, before being made redundant due to restructuring, and was subsequently offered a job with Fortis Lease. It was whilst I was with Fortis that I became increasingly disillusioned with the big company mentality and the associated politics. After 2 years I decided enough was enough and I joined Mark Bracegirdle at Farm and Country Finance. We had discussed doing something together for a long time, but it was then that the time seemed right.

Mark and I have known each other for a long time. I first met him in 1988 whilst on a sales call when I was working for Royal Bank of Scotland. Mark, at the time, was working as a commercial director for a printing machinery importer. We got on extremely well from day one, our friendship deepened and the rest is now history.

I like to think we share the same ethos of honesty, integrity and hard work and we certainly work well as a team.


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