We provide loans to renovate or repair property assets, which result in capital appreciation or income generation.

We consider all types of property provided its linked to agriculture. This might include the refurbishment of a property unsuitable for a high street lender’s mortgage, or if you are looking to buy a property before an existing investment sold, or release equity for short-term cash flow requirements, convert a large building or site into residential units, or even develop a plot of land from the ground up.

We have extensive experience of property development across the entire company and are always interested to hear about your project.

Lending Critera Overview

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Loan size
£100,000 to £10,000,000
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England, Scotland and Wales
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Sole traders, partnerships, limited companies, tenant farmers with a right to buy
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Loan to value limit
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Agricultural land and property
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Use of proceeds
A relevant business plan
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Age limits
Before taking out a loan from us, it’s important to familiarise yourself with our Terms & Conditions.

Step 1

Step 2

Step 3

Step 4

Step 5

Step 6

Step 7

Step 8

Step 1

You have an idea on how to increase the property value of your business:

  • Research idea + expert advice
  • Business plan
  • Research different funding sources
Step 2

You contact us:

  • How much would you like and what is the property that the funds for
  • What’s the current security worth and the property you have in mind
  • When do you need the money
  • Any existing debts
  • How will you repay us
  • Anything else we should know
Step 3

We send you a decision in principle for you to accept:

  • How much we can lend, the interest rate and any fees
  • Your only commitment at this stage is for any costs incurred on legal or valuation fees
Step 4

Your application goes to a dedicated loan officer:

  • They help and guides you through the process from start to finish
  • We instruct an independent valuation of the property
  • You appoint a solicitor to act for you
Step 5

Your loan officer asks for:

  • Information, such as bank statements, business accounts, tenancy agreements, your business plan, your team’s expertise, a net worth statement and the plan to repay our loan
  • We do credit and land registry checks and the solicitors complete normal conveyancing checks
Step 6

We visit you at the farm to:

  • Get to know you and your current business, as well as your new plans
  • Understand your repayment plan
Step 7

Your solicitor:

  • Explains everything in the documentation
  • You ask about anything you don’t understand
  • You sign to confirm having received independent advice, then sign the contractual paperwork
  • We sign, the loan completes and you receive the funds
Step 8

You build your business and repay our loan

Case Studies

Financing for Development Project

Our client was a highly experienced developer, with many successful, large projects across the country, as well being a long-standing owner of a farm with outstanding environmental credentials. However, being in his late-60s and needing to release funds for family purposes, as well as the planning process for 150 new homes on a corner of his farm, meant that the high street had no interest in supporting him, despite his many successful projects that had made them lots of money in the past.