Farm & Estate Mortgages
Lenders don’t always see what you see. Diversified income streams, subsidy transitions, mixed business and personal income, and accounts that don’t always tell the whole story on paper rarely fit a standard application.
Getting the right result means presenting your business in a way lenders understand from the outset.
That’s where we come in. We work with farming businesses to structure lending proposals that lenders understand, respect, and approve.
What makes the difference
The strength of a farm finance application isn’t just about the numbers. It’s about how your business is presented – translating real-world complexity into the clear financial picture that gives lenders the confidence to say yes.
That means understanding how lenders view your accounts, how to position diversified or evolving income, and how to structure your borrowing in a way that supports your long-term plans.
Talking to us early – before you approach a bank – puts you in the strongest possible position from day one.
Typical farm mortgage terms
- Terms up to 40 years
- Fixed interest rates up to 25 years
- Interest-only periods for new projects
- Reduced lending covenants and restrictions
- Loan repayments tailored to suit your cash flow
- Combined business and household income considered
- Lump sum reductions with no or minimal early repayment penalty
- Up to 70% loan to value (LTV); 100% mortgage considered with further owned property
Funded projects
- Renegotiating loans when banking relationships or policies change
- Buying a farm, land, buildings and other property
- Converting buildings for business and housing
- Diversification and enterprise expansion
- Buying out partners or family members
- Restructuring overdrafts
- Tenant purchases
- Bridging loans
- Tax bills
Early specialist advice is critical when securing agricultural finance.
Discuss your farm’s expansion, buyout, or refinancing objectives with our expert team.
Call or email us to start your enquiry.
Five steps to successful funding
1. Understanding your position
We’ll give you an honest picture of your lending prospects: whether you’re well-placed to approach lenders now, or whether some groundwork first will significantly strengthen your position.
2. Building the picture
- Relevant background and experience
- Details of the property to be put up as security
- Borrowing requirement and purpose
- Existing properties and any current lending
- Six months’ personal and business bank statements
- Three years’ certified accounts for your existing business
- Business plan and forecasts for any new enterprise
- Personal income and expenditure, including evidence of salaried income
3. Preparing your proposal
This is where the work that matters most happens. We build a professional Business Lending Proposal that presents your farm as a credible borrower translating complex accounts, multi-stream income, and evolving business models into the clear financial picture lenders need to approve with confidence.
4. Offers and negotiation
Once lenders have responded, we set out your options clearly – explaining not just the headline rates, but the terms, covenants, and conditions that can make a real difference to how the finance works for your business. The right offer isn’t always the cheapest one.
5. Through to completion
Once you’ve accepted an offer, we stay actively involved – co-ordinating with valuers, solicitors, and lenders to keep your case moving forward. We keep communicating until the money is in place. We don’t consider our job done until you’re settled.
Recent successes
“I’d got to a point where I thought there were no options left. But I put my faith in R&BS and it made all the difference.“
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Arable farm purchase
When the Chennells family needed to finance a neighbouring farm purchase within a month, R&BS approached five lenders, received four offers, and negotiated a more competitive deal than their existing bank had originally offered.
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Family buy-out
When Mr B’s family agreed to buy out co-owners of a long-held farm and agricultural business, they needed around £1 million with no previous borrowing track record. R&BS structured the proposal and secured a competitive offer.
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Farm building conversion
When Jane Schwier set out to convert farm buildings into five holiday lets and a rental property, securing full development funding from the outset was critical. R&BS secured a single staged facility at a competitive rate.
Three things set R&BS apart
Relationships with 30+ specialist banks and lenders means we find mortgages on great terms where others fail.
Understanding both field and finance means you won’t have to explain your business to us.
Independent – not being tied to a single bank or lender means clients are our sole priority.