Farm & finance · News & views

The banks and lenders we work with continue to agree lending proposals. Pricing has risen due to bank base rate, but margins have remained as they were and have perhaps improved. Read our view on the positive market, and the considerations before fixing your interest rates. 

We look at the deposit you’ll need and how a bank or lender would assess your ability to repay the loan. Plus, how the type of property and what you intend on doing on the land can affect the mortgage you could get. 

We asked the team what they see happening to farming and banking in ’22, and how that could affect the agricultural lending market.

We’ve never seen so much variance in lender responses to farm mortgage proposals. More farmers are having lending requests declined by their existing bank.  We explain the reasons why and show how you can be successful at getting the funding you need.

You’ve found the perfect property, but when you get into the detail you find the property has an agricultural tie. What is an agricultural tie, how will it affect your chances of getting a mortgage and how can you get a mortgage?

Coronavirus and Government-backed loan schemes have brought into focus the number and diversity of lenders.  With tighter lending policies and reduced access to bank managers too, Rob Lister looks at what will be important for farms and rural businesses looking for finance.

Graham Sanders looks at how weather and disease has affected the key farming sectors this year. He also looks at what action farmers and diversified businesses should take now to prepare for cashflow pressures.

If you’re thinking about moving to the countryside to start a business, there may never be a better time. We show you what to consider and where to look for finance to help turn your dreams into reality.

Many farms are looking to build new homes for succession planning, separation, divorce or other reasons. Funding such a build, particularly as the property may have an agricultural tie, comes with challenges that many see as unsurmountable. But they needn’t be if approached correctly.

Whether you’re navigating economic uncertainty, changing market conditions, or personal stress, this guide brings together trusted sources of business, financial, and wellbeing support for the rural community.

We know you’re busy but that some of you will be worried about the potential financial challenges that COVID-19 may bring, so we wanted to write a quick message to offer our support during these difficult times. Please know that we are here to help.

An agricultural or rural mortgage can take from 4 weeks to 4 months to complete, or longer in some cases. Such deals often present a challenge in terms of ‘ticking the right boxes’ for lenders which causes delays and could put your plans at risk.  Here are 5 tips to ensure your mortgage process runs as…