Farm Mortgages
Looking to buy or refinance a farm or agricultural land?
We have access to some of the most competitive farm mortgages, with up to 75% LTV
If you’re purchasing a farm or agricultural land for your own occupation, to lease, via a SIPP as a longer-term investment or perhaps you wish to refinance an existing property then speak with a Commercial Mortgages experts.
As commercial finance broker’s we have ready access to all the commercial mortgage lenders that are actively seeking to lend, from £50,000 to £30 million. We’re able to access for our clients the most competitive rates in the market with terms up to 30 years.
The types of farm mortgages are either an Owner Occupier Mortgage or Investment Mortgage.
An Owner Occupier Mortgage is where the farm is used by the business owner to run the business from.
A Farm Investment Mortgage is where the property is rented out to one or more farming tenants.
Introducing Finance for Agriculture
Finance for Agriculture is the agricultural and rural enterprise finance brand of Wattsford Commercial Finance.
Our Founder and Owner, Andrew Wattsford, has worked on farms in Northumberland and Scotland giving him a thorough understanding of the challenges faced by the rural community. In addition, he has worked for leading agricultural merchants in both Lincolnshire and Northumberland.
For more information on farm mortgages, please visit the Finance for Agriculture website.
Farm mortgages are typically used to
- Buy land
- Buy, extend or renovate owner-occupied premises
- Release equity to support farm-related activities such as diversification
Some benefits of using us
Property valuations, insurances, legal support and much more are available through our Business Support Services.
We will fully package and submit your commercial mortgage proposal to ensure the most competitive rates and terms and ensure that your funding application is processed quickly and efficiently in order that funds are available in the shortest possible time.
Our offer
We offer our clients a true ‘one stop shop’ facility, our core competence is to provide you a fully managed and professional service that secures the most competitive funding offer available from the entire market.
Whatever your property finance requirements, we offer a free, impartial and totally confidential initial consultation and will quickly assess your funding options.
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Business Support – Farm Mortgages
Capital Allowances Tax Relief may offset the hidden expenditure on your farm. Typically, this includes elements such as air conditioning, wiring, heating, lighting and security systems – essentially everything that would remain in the building if you tipped it upside down!
All UK taxpayers that own commercial property, personally or within an Ltd Company, may be eligible to claim Capital Allowances tax relief. The eligibility and value of the claim depends on multiple criteria and assessing this can be complicated, however, we can take this stress off your hands.
For more information on Capital Allowances Tax Relief, visit Tax Reclaims, a Wattsford Family Brand.
A government-backed Start Up Loan through the British Business Bank may be available to purchase stock provided that you’re either a start up or have been trading for less than 3 years.
Start up loans are available for eligible applicants who are over the age of 18, live in the UK and have a business that either hasn’t started trading yet or has been trading for less than 3 years. With a start up loan you can borrow between £500 and £25,000 per applicant (maximum £100,000 per business).
For more information on Start Up Loans, visit Business Starts, a Wattsford Family Brand.
