Looking to transfer your farm to the next generation, possibly below market value, but wanting to keep some of your capital? One of our loans might help you achieve this.
Conventional lenders won’t lend if you’re selling to a family member, but we can lend against the open market value of the land (rather than the potentially lower price you are selling at) so you can receive some cash and your next generation gains ownership of the land, so that in due course they can refinance with a conventional lender. Obviously, the farm needs to be able to support the expected conventional lender’s loan and your next generation should be capable of running the farm as well as you!
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Lending Criteria
£100,000 to £10,000,000
England, Scotland and Wales*
Sole traders, partnerships, limited companies
65%
Agricultural land and property
Purchase farm from family plus working capital
None, but may require a guarantor depending on farming experience
Interest only, roll up and repayment options
Typical duration of 12 to 84 months
How Can We Help
Case Studies
Financing for Generational Take-over
Two brothers had run the farm together for many years, but when one brother passed away, an acrimonious family dispute ensued with their non-farming son, who wanted paying out on his inheritance. In under three weeks we put…
