Case Studies
Farms & Estates
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Mixed farm mortgage finance for three holiday let conversions
When the Vant family’s lender withdrew support for their holiday cottage development, R&BS structured staged development funding with a new lender, and brought the farm and diversification under a single banking arrangement.
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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.
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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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Anaerobic Digestion plant purchase
When the Piper family sought to purchase an anaerobic digestion plant on their Kent farm, their bank initially declined. R&BS overturned the decision and, after a complex three-year process, secured a competitive restructured mortgage package.
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Buying a sibling out of family farm
When Mark Smith inherited a 50% share of a family farm, he believed buying out his brother was beyond his means. R&BS structured a staged plan, demonstrated serviceability and secured finance on flexible terms.
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Livestock expansion and slurry store
When his bank declined funding for a new slurry store and livestock expansion, Einion Jenkins faced an 11% interest rate from another lender. After R&BS produced a clear farm financial picture, his existing bank agreed to double its lending.
Equestrian
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Refusal at the bank, cleared at final attempt when presented by R&BS
When Mark and his wife were turned down by every lender for funding a new equestrian centre and holiday cottages, despite a significant deposit and annual income, R&BS prepared a specialist lending proposal and secured a funding offer the following week.
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Livery gallops ahead after hurdles breached
When Adelle’s Brabham’s bank withdrew her livery yard mortgage citing a policy change, R&BS secured her a competitive mortgage from a new lender to help keep her business trading.
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Dressage yard and livery aims for gold with the right support
When the Gale family needed a commercial mortgage to purchase a stud for a dressage enterprise, they knew specialist help was essential. R&BS refocused their business plan, approached five lenders, and secured a competitive mortgage on suitable terms.
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Personal service ensures equestrian yard purchase
When Melanie Jones and Andrew Court set out to purchase a livery yard, securing a mortgage for a mixed residential and commercial property proved difficult. R&BS secured them a mortgage offer with good rates, terms and fees.
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Purchase of a country manor house with land and stables
When Jackie Taylor sought to purchase a manor house with stables and land, her usual lenders had no appetite for the property type or livery business. R&BS secured mortgage approval within two days, and kept the case on track through two years of complications.
Rural Business
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Securing business growth through property ownership
A long-established bus company secured funding to purchase its operating farm yard, removing reliance on rented premises and achieving long-term business stability.
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Working Capital Finance for a Wine Estate
When Rathfinny wine estate needed additional working capital finance, their bank wasn’t able to help. They were referred to R&BS to explore other options in the market.
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Farm and farm shop development finance
R&BS have helped Helen and James Baird of Pluckley Farm Shop obtain further finance to allow them to complete developments to their separate farm site.
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Development funding turns the wheels of cycling accommodation enterprise
When Jane Fowler secured planning consent for a home and cyclist accommodation in open countryside, funding proved the final hurdle. R&BS repositioned the business case and secured both development finance and a long-term commercial mortgage.
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Award winning vineyard fizzes with funding support
A boutique vineyard in Kent wanted to develop and keep pace with the rapid growth and success of the UK wine industry. Their existing banks and other banks wouldn’t support their plans, until R&BS were called in to help.
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Fishing lake, campsite and café finance
We were approached to secure finance to buy a partner out of a fishing lake business, and for capital to put in services for touring caravans, camping pods, and an on-site café.
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Remortgage expertise helps lights to shine on rural business
When Emma’s residential interest-only mortgage neared the end of its term, her bank couldn’t help — her smallholding had developed mixed uses. She needed a specialist lender.
Smallholding
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Smallholding purchase – ‘knot’ what it first seemed!
Angela and Will were buying 5 acres with buildings and planned to run rural enterprises to supplement their incomes.But when the bank missed a crucial point in the valuation report, their dreams looked set to vanish.
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Couple buy land to rear cattle and complement their employed income
When 38 acres of land came up for sale, Chris and Jo were keen to grasp the opportunity to build their own herd, but knew they’d need specialist help to get finance.
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Agricultural-tie property secures a rosy future with mortgage finance
When a security alarm specialist approached brokers to help him fund the purchase of an agricultural-tie property to relocate his business and family, no one could help. But then he was introduced to R&BS…
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Smallholding finance secured for a family and business move
John and Nicole had a dream of moving to Devon to run John’s business and set up a smallholding. But getting a bank to support them with a mortgage was difficult, so they called on the help of R&BS.