Equestrian Mortgages
Keeping horses can be challenging at times – likewise, funding an equine business can be a challenge too… but it is doable – we help people do it every week.
Finding the right finance is key to long term success (and happiness!).
Like many things, a good plan is the best starting place – if you have one in place you’re already in the lead.
If you have a plan you’d like to share with us, we’d be delighted to give you a professional assessment to establish if it’s sound enough to secure funding.
If you decide to work with us, we prepare a lending proposal, put it to several appropriate lenders and negotiate the lenders’ rates, fees and terms on your behalf.
And we’ll be with you every step of the way from application to completion and can work with your land agents and solicitors to make your funding run smoothly.
Equestrian enterprises we’ve helped:
- studs
- yards – competition, livery, polo, racing, training
- equestrian tied properties
- cross country courses
- riding schools
Funded projects
- Buying land, property or land-based business, including equestrian tied properties
- Re-mortgaging or consolidating existing debt to allow the business to develop
- Buying out business partners, matrimonial or partnership splits
- Expanding or improving existing stabling or equine facilities
- Building a house on site
- Bridging loans
Early specialist advice is critical when securing finance for commercial equestrian properties.
Discuss your livery, riding school, or stud farm acquisition with our expert team.
Call or email us to start your enquiry.
Five things to consider
- Getting a mortgage for a house with a large area of equestrian or agricultural land (usually over 10 acres), stables and/or barns or buildings can be a challenge. Lenders or their valuers will often classify such properties as commercial so a residential mortgage isn’t possible.
- Commercial lending is different to residential lending. Rather than a mortgage amount based on salaries, the mortgage amount will fundamentally be calculated on the financial returns from the property – so existing income from liveries, arena hire etc.
- Banks and lenders will want to see a business plan, three years of accounts (if you’re buying an established business) or three years of cash flow projections, supported by business and personal bank statements. You can find help for this in our Business Plan Guide and an equestrian cashflow forecast.
- Achieving a competitive commercial mortgage relies on building the right business case, compiling the right information, and putting it to the right banks or lenders.
- There’s a lot to plan and prepare before you get funding, and it can take considerable time. That’s why we are on hand to help throughout…
Recent successes
“Having met Rob, he gave me the confidence that we’d achieve a good result. He understood where we wanted to take our business and knew the rural finance market better than anybody.“
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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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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.
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.