Over 100 Years of Combined Experience in Lending to Farmers
Benefit from our extensive expertise accumulated over a century, ensuring reliable and knowledgeable lending solutions tailored to farmers' unique needs.
Tailored Finance Solutions for Farmers Across the UK
Our customised finance solutions are designed specifically for farmers, addressing their individual challenges and supporting their long-term success in agriculture.
Customer-Focused Service Designed to Meet Farmers' Needs
Experience our dedicated customer focused service on understanding and fulfilling the distinct requirements of farmers, ensuring their satisfaction and growth.
Agricultural Mortgages: A Smart Financial Solution for Farmers and Rural Landowners
An agricultural mortgage is a long-term secured loan designed for purchasing, refinancing, or expanding your agricultural land holding. This can include farmland, farm houses, rural estates, and agricultural buildings, helping farmers and landowners purchase or improve property without having to pay the full cost upfront.
For all commercial rural property owners, agricultural mortgages deliver necessary financial flexibility, allowing you to invest in your land, buildings and infrastructure while maintaining a stable cash flow. Whether you are expanding your farming operations or gaining new premises, an agricultural mortgage is a vital tool for long-term business growth.
Why Choose an Agricultural Mortgage for Your Farm or Rural Property?
Agricultural mortgages offer many advantages over traditional loans, here are just a few of the benefits for Rural Business Owners:
Long-Term Financing
- You can spread the cost of the land or property up to 30 years, allowing more time to pay off the initial investment. Along with it being tailored to suit your annual seasonal cash flow, so you can manage your finances with ease.
Affordable Interest Rates
- Agricultural Mortgages offer competitive interest rates compared to other types of financing. With fixed or variable rate options available to fit your financial planning and risk assessments.
Business Growth Opportunities
- By using your existing land and property to raise new funds, you can purchase additional farmland, invest in new facilities or business diversification, or upgrade equipment to enhance your production output and improve your long term profitability.
Flexible Use of Funds
- Use funds to purchase livestock, livestock housing, irrigation systems, renewable energy projects, farm inputs or essential farm infrastructure.
Potential Tax Benefits
- In some cases, interest payments on agricultural mortgages may be tax-deductible (consult a tax professional for specific advice).
Customised Repayment Terms
- Payment schedules can be tailored to individual business cashflow cycles, to align with harvest and other seasonal income. We can also accommodate other ad-hoc one off payments such as VAT deferrals or retrospective grant payments. Get in touch with us today to find out more.
Agricultural Mortgage FAQ: Your Questions Answered
Who qualifies for an agricultural mortgage?
Typically, farmers, landowners, agricultural and rural businesses can apply. Alongside having a proof of income, a solid business plan and details on what is being financed.
What can an agricultural mortgage be used for?
Agricultural mortgages can be used for purchasing new assets, purchasing additional farmland, refinancing existing loans, upgrading facilities, diversification projects, or investing in essential infrastructure such as concreting work areas, land drainage and irrigation systems, purchase new farm buildings and renovate and repairs to existing buildings. Along with other agricultural equipment and property.
What is the typical repayment period?
Our agricultural mortgages offer flexible repayment terms up to 30 years, allowing borrowers to structure their payments to suit individual business cashflows. Most borrowers select a long term total repayment period, divided into shorter, fixed rate loans to manage changes in interest rates and business income streams.
What happens if I experience financial difficulties?
We offer flexible repayment plans tailored to each individual business needs, these are regularly reviewed with our experienced in house management team so difficulties are identified early and resolved. If you anticipate any difficulties, please do get in contact with us so we can explore the best options available to you.
Are there any hidden fees?
We ensure that all the costs and fees associated with our agricultural mortgages are presented clearly alongside our formal offer letter for you to see and nothing is hidden or missed out. So you have peace of mind of the final costs to complete your loan.
Get in Contact With Us Today to Secure your Agricultural Mortgage.
If you are looking to invest in your farm or rural property, an agricultural mortgage can provide the long-term financial stability you need. At Rural Asset Finance, we specialise in tailored funding solutions for agricultural businesses.
Contact us today to discuss your requirements or use our finance calculator and explore the best mortgage options for your farm or rural investment.
Phone:
0345 0303 475
