UK Agricultural Finance Ltd is registered in England with registered number 09760807 and registered office at Unit B, Great Hollanden Business Centre, Mill Lane, Underriver, Kent, TN15 0SQ, United Kingdom. UK Agricultural Lending Ltd is registered in England with registered number 10049593 and registered office at Unit B, Great Hollanden Business Centre, Mill Lane, Underriver, Kent, TN15 0SQ, United Kingdom. UKAL No1 10893442 UKAL No2 10915861

Our Ethos

Agriculture is the backbone of any country and has been an important part of civilization for thousands of years. It is also a complex and challenging business. Like all businesses, flexible and responsive finance is an essential tool.

The practice of credit being given and received is an age-old tradition ranging from barter to mortgages. Private mortgages played an important role in the local exchange of money and the UK’s once great building society sector developed from this. It’s only recently that the drive for ‘efficiency’ has turned lending into an impersonal and seemingly deliberately unhelpful process. We aim to remedy this.

At the heart of our business is the desire to provide the agricultural sector with finance options that help it develop and grow. We know rural property and rural businesses; the driving factors, the challenges, and the appeal of taking this type of initiative. More importantly, we understand lending against land for unique enterprises that aren’t simple businesses and that a ‘one size fits all’ approach is unhelpful.

We believe in taking time to understand our borrowers’ needs, so we can tailor solutions to fit their objectives. We aim to be reliable partners, who act with integrity and deliver every time on what we say we will do.  You’ll find us pragmatic, with common sense, flexible attitude prevailing.

We believe passionately in responsible lending. This means providing useful, relevant and fair products to our borrowers, that also deliver a fair return to our investors. Therefore, we expect our borrowers to be fully open and honest with us, and communicate in a timely manner, ensuring we have all necessary information, even if we’ve not asked for it. In return, we will deal openly, honestly and promptly with our borrowers and do whatever we can to help their business succeed.

Customer Relationship Team

Tracey Simm

Tracey has spent her whole career in finance and banking. She gained experience in personal and commercial finance with companies including Santander, Barclays and The Money Advice Service before her move to UK Agricultural Finance.

She has fulfilled various roles in the financial sector and as such has a keen understanding of each stage of the lending process.

Tracey grew up on a family farm and has an intrinsic understanding of the rural and farming communities.

Sue McIntosh-Gibbs

With over 35 years of experience in finance, Sue understands the opportunities and challenges facing the agricultural sector.

Sue comes from a farming background and spent most of her childhood on her grandfather’s farm.

Her experience in both the agricultural and financial industries means she is well placed to understand the needs of borrowers from small holdings to country estates.

Sue’s favourite pastimes are spending time with her dog and family.

Louise Old

Louise is our Client Relationship Manager based in the North of England. She joined UK Agricultural Finance in 2018 having worked previously for Northern Rock PLC.

During her 15-year service at Northern Rock, Louise worked in Asset Management, Mortgage Underwriting and as a Business Development Manager.

Excelling in customer service, Louise enjoys building successful working relationships with introducers and especially enjoys the opportunity of meeting borrowers out on site.

Sharon Welch

Sharon has over 17 years of experience in the financial services sector, with most of her years spent at Barclays Bank supporting a vast portfolio of clients, including agricultural enterprises. Over the years she has held roles such as a Credit Underwriter and Relationship Manager, where she has gained experience in structuring debt proposals and helping steer customers through some of the most challenging economic crises of the past few years.

Having also previously worked in accountancy, Sharon maintains great relationships with professionals in the sector and is always excited to explore how best to support agricultural businesses with their bottom line.

Nicola Purcell

Nicola moved to Cornwall 7 years ago. Prior to her move, she had worked in the insurance industry for many years. Nicola wanted to take on a new challenge and moved into financial services.

Nicola has been with UK Agricultural Finance for 3 years. She supports our client relationship managers and ensures the smooth running of the department with her excellent administration skills.

Underwriting Team

Billy Attridge

Billy has 32 years of experience working in financial services and has spent most of his career working with Agriculture and SME businesses. He has undertaken various roles, including Client Relationship Manager and more recently a Credit Risk Director.

Before joining UKAF, he was Head of Agriculture Credit at Barclays. He has vast experience in assessing the lending needs of Agricultural Borrowers and has helped numerous businesses achieve their growth aspirations. In 2021, he joined UKAF as Head of Credit and supports our Business Development Managers and Credit Underwriters, in assessing a borrower's lending application.

Sarah Beard

Sarah has worked within the underwriting field for over 20 years within the banking sector for both High Street lenders and BTL specialist lenders. Roles including Field Underwriter and Underwriting Team Leader.

Sarah has worked for UK Agricultural Finance for nearly 5 years as the Senior Underwriter, managing a team of underwriters and managing loan applications from new and existing borrowers.

Dayle Hayward

Dayle has worked in the finance industry for 7 years and prior to joining UK Agricultural Finance, she worked for Paragon Bank in the Asset Finance Department, as a Relationship Manager.

In 2018, she joined UKAF as a Credit Underwriter and is responsible for assessing clients' lending applications. More recently, she has taken on additional responsibilities within the company, as a Credit Controller.

Molly Burbidge

Molly has over 10 years finance experience working in a manufacturing background, most recently working for one of the largest food manufacturers in the southeast of England as the company’s Senior credit controller. Her area of expertise has always been credit control as she is very customer focussed and enjoys building strong relationships with the customers to support the business requirements. Molly has recently joined UKAF as the company’s Credit controller and will be responsible for all credit control activities across all loan books.

Nikki Ward

Nikki has 34 years of experience working in Banking, Underwriting and Financial Services.

The majority of her career has been spent working as a Manager for Barclays Home Loans and as a Completions Team Leader for Kent Reliance, dealing with the underwriting and completion of Residential and Buy to Let mortgages.

In 2019 Nikki joined UKAF as a Credit Underwriter assessing client lending applications.

Director Team

Graham Noble

Graham is a highly experienced investor, having worked for Credit Suisse and UBS. Since 2008 Graham has been instrumental in the founding of a number of successful asset management businesses. Graham is a non-executive director for Scholium Group plc and Chief Investment Officer for Soho Estates Holdings.

Mark Thompson

Before joining UKAF, Mark was the founder and managing director of Tiptree House, a corporate finance advisor, with a proven record in growing entrepreneurial businesses. As part of this, he spent five years on the Board of the Holmesdale Building Society and as Executive Chairman successfully completed a major turnaround that rebuilt its lending business. Most of Mark’s career was spent in the City, financing and investing in small companies, with a focus on renewable energy. Mark is a member of a FTSE Index committee and has an MSc in finance from London Business School. His first degree is in Mechanical Engineering and his early career was spent as an officer in the British Army.

Robert Suss

Rob Suss is presently the CEO of Pictet UK. Rob helped found UK Agricultural Finance and previously worked as a Managing Director at Goldman Sachs, where he spent 18 years building a number of businesses in their investment management division. His last role was as Head of Private Wealth Management in London. Robert is a passionate supporter of the Royal Academy of the Arts, serving as a Deputy Chair and as Chair of the Royal Academy Schools’ Annual Auction and Dinner. Rob has a BA (Jt. Hons) in Economics and Management from the University of Leeds.

Finance Team

Sue Burgess

Sue is an experienced financial professional and Chartered Accountant with over 30 years of experience within the property and financial services businesses.

Previous roles have included those within Sovereign Reversion plc, Connell's plc and Augur Investments.

Sue has significant experience with start-up businesses and joined UKAF as Head of Finance in 2018, where her initial role was to set up systems and controls within the company. Since then, the position has expanded to build a finance team that supports both the accounting requirements for the business and also supports the borrowers' accounting and reporting requirements post loan completion.

Vanessa Cuthbertson

Vanessa has accumulated 22 years of work experience in front, middle and back office operational roles. Roles have included those at Long Term Credit Bank of Japan, Westcombe Market Research and Fidelity Investments.

Vanessa joined UKAF in 2017 as its first employee, when the company was in its infancy. The initial objective was to help establish systems and controls within the business. Vanessa's role now assists the company with the achievement of operational objectives across the various departments, including the regular financial administration of established processes within our loan portfolios.

Vanessa liaises directly with our borrowers to ensure that their requirements from the business are fulfilled.

Vicky Hodges

Vicky has always worked in finance and banking. She worked as a Financial Adviser with companies including Lloyds TSB and Alexander Forbes, before training in accounting with The Association of Accounting Technicians in 2020.

She has recently completed her level 4 qualification, Diploma in Professional Accounting.

In 2021, she joined UKAF to support the Finance Director and team.

Risk management

We are all about a fair deal for borrowers who want quick, simple and flexible agricultural finance; a fair deal for our investors; and a fair return for us. This means we take risk management and responsible lending very seriously: they help protect our borrowers and the wider rural community, as well as our business and investors.

If you’re a borrower:

  • We recommend independent financial advice before applying for a loan from an IFA, business adviser, NACFB accredited broker or chartered accountant.
  • We insist that you have independent legal advice from a qualified solicitor.
  • We always visit your farm and don’t just rely on the usual box ticks, as we like to take a holistic view of you and your business. This helps us assess if you will make a good borrower, but also means you get to deal with a real person and have chance to understand us as well.
  • We do lots of checks and ask for a fair bit of normal business paperwork. None of this is unusual and we will help you through this process, although the more organised you are at the outset, the easier this will be. Your professional advisers should also be able to help you with this.
  • We don’t formally assess your business plan, but do need to see a credible use for our loan proceeds that demonstrates how you will: (i) increase your business’s capital value or its income; (ii) afford our loan; and, (iii) repay it at the end of the term or refinance it from a reputable source.
  • We don’t require you to have a perfect credit record, as we’ve been in business long enough to know that there are always bumps in the road, especially in agriculture. However, we do need you to be upfront about any issues and to be sure that you have honoured any previous debts.
  • We expect you to have relevant experience or access to expert advice and a credible business track record. However, if you’re just starting up, for example buying out the family farm, we may still help if you have an appropriate guarantor (typically a parent or sibling) and support.
  • If we’re lending to a company, we always require personal guarantees from all the directors and any substantial shareholders.
  • We’re fair, pragmatic and approachable, but also aim to be responsible and turn down a borrower if we don’t feel comfortable lending to them, or if we believe our loan isn’t in their best interest.

Before taking out a loan from us, it’s important that you familiarise yourself with our Terms & Conditions and click here for our Tariff of Charges