Farm Mortgages
Farm mortgages and agricultural property finance - from residential farmhouse mortgages to working farm lending, mixed agricultural holdings, and land purchase - from specialist agricultural lenders on our 130+ lender panel.
Specialist agricultural property lending
Agricultural property - working farms, mixed holdings, farmhouses, and agricultural land - requires lenders who understand farm income, agricultural valuations, and the specific legal and tenancy structures that apply to agricultural property. Mainstream residential lenders are not equipped for this market. Specialist agricultural lenders assess farm income, land values, and the interaction between the residential and agricultural elements of a mixed holding.
Every farm and agricultural property type placed
Farmhouse Residential Mortgages
The residential farmhouse element of an agricultural holding assessed as a residential mortgage by specialist rural lenders, separate from the farm business. This allows the farmhouse to be mortgaged on residential terms without requiring the farm to be profitable.
Working Farm Commercial Finance
A working farm is assessed as a commercial lending proposition - farm income, livestock and crop performance, land quality, and the farm's overall financial position. Agricultural specialist lenders with farming knowledge are the appropriate market.
Agricultural Land Purchase
Land purchase for agricultural use - additional fields, strategic land acquisition, and new entrant farm establishment - assessed by agricultural specialist lenders on the land quality, income potential, and the borrower's farming track record.
Farm Diversification
Diversified farm businesses - holiday lets, equestrian operations, renewable energy, farm shops - often combine agricultural and commercial income streams. Specialist agricultural lenders assess the combined income from all activities.
Tenanted Agricultural Land
Agricultural land with Farm Business Tenancies (FBT) or older-style Agricultural Holdings Act tenancies requires specific legal and lending knowledge. The tenancy terms affect the land value and the mortgage security assessment.
New Entrant Farm Finance
New entrants to farming - without an existing track record - access specialist agricultural lenders who assess the business plan, land quality, and personal financial position rather than a long history of farm income.
How it works
Farm and property details
Share the farm type, acreage, income from farming and diversification, and what you need to finance. We identify the most appropriate agricultural lender for your specific holding.
Agricultural specialist valuation
Agricultural land and farm property valuations require RICS valuers with agricultural surveying qualifications. We commission the right valuer for your specific farm type and location.
Farm income assessment
We present farm income - gross margin, EBITDA, and single farm payment history - in the format specialist agricultural lenders require. Farm income documentation is different from standard commercial or residential income evidence.
Mortgage offer and completion
Agricultural mortgage timelines: 4 to 8 weeks from full application to offer for straightforward cases. Working farm commercial finance takes slightly longer due to the more intensive income assessment.
Looking for a farm or agricultural mortgage?
Tell us about the farm, acreage, and income. We identify the right specialist agricultural lender - same working day response.
Frequently asked questions
Can I get a residential mortgage on a farmhouse?
Yes. Specialist rural residential lenders assess the farmhouse element on residential terms, separate from the farm business. The farm does not need to be profitable for the farmhouse to be mortgaged as a residential property.
What income is used to assess a working farm mortgage?
Farm income - gross margin, EBITDA, single farm payment (if applicable), and diversification income - assessed by specialist agricultural lenders with farming knowledge. The financial statements and farm management accounts are the primary evidence.
Can I get a mortgage to buy more agricultural land?
Yes. Agricultural land purchase mortgages are available from specialist agricultural lenders. The loan is assessed on the land quality, income potential, and the borrower's overall farming position.
What is the LTV available on agricultural land?
Typically 60-70% LTV on agricultural land from specialist agricultural lenders. Bare arable land achieves lower LTV than improved pasture or land with planning potential. The specific LTV depends on the land quality and location.
Can a new entrant farmer get a mortgage?
Yes - from specialist agricultural lenders with new entrant programmes. A detailed business plan, evidence of agricultural training or experience, and a viable financial projection are the primary assessment factors for new entrant applications.