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Smallholding Mortgages

Finding finance to help you buy a smallholding can be difficult.

Your plans may not fit with lender’s criteria or you may be looking to buy a house with occupancy restrictions which lenders are cautious of.

On top of that, you're looking for the best finance to match your current needs but also to set a solid foundation for your business and family in the future. 

Getting that right starts with getting the best advice and support at an early stage in your project or move planning.

Having established you have a realistic opportunity to secure funding, we prepare lending proposals, put them to several appropriate lenders and negotiate terms on your behalf.

We then guide you and your mortgage through every step to a successful completion. 

Typical smallholding and houses with land mortgage terms

  • Terms up to 25 years
  • Fixed interest rates for up to 25 years
  • Interest-only periods for up to 2 years
  • Bank base rate tracker variable interest rates
  • Combined employment and business income considered
  • Lump sum reductions with no or minimal early repayment penalty
  • No introductory interest rates; just a competitive rate for the whole term
  • Up to 70% loan to value (LTV); 100% mortgage considered with further owned property

Projects helped

  • Buying property with land including agricultural or equestrian ties
  • Renegotiating with existing bank and/or new lenders
  • Building a new house or commercial buildings
  • Restructuring overdraft or other debt
  • Developing redundant buildings
  • Renewable energy schemes
  • Creating a new enterprise
  • Buying out partners
  • Bridging loans
  • Tax planning

Talking to a specialist at the start of any project gives you the best chance of success.

We’d love you to tell us about your plans and help if we can.

Call or email to get things moving...

5 things you may find useful if you're new to smallholdings

  1. You may have previously bought a home with a mortgage on a 4x salary basis. Commercial lending works differently - a change of mindset helps equip you for the journey.
  2. Prepare yourself for a longer journey. Commercial mortgages tend to take longer to organise than residential mortgages - think months rather than weeks.
  3. Lenders will ask for a ‘shopping list’ of information - you can find many aspects of this in this Business Plan Guide and includes a cashflow forecast. You'll find more answers on the FAQ page.
  4. Key to success is building the right business case to go to lenders with.
  5. Please remember - even the best prepared plans won’t have everything in place... and we're on hand to help you.