Can I get a mortgage on a farm?

Yes, through specialist agricultural lenders. They assess the farming business, property value, and your experience in agriculture.

What deposit do I need for a farm?

Typically 25-40% for agricultural mortgages. The exact requirement depends on the property type, your farming experience, and the income profile.

Can I get a residential mortgage on a smallholding?

If the property is primarily residential with minimal agricultural use, a residential mortgage may be possible. If it's a working farm, an agricultural mortgage is usually needed.

Do agricultural ties affect the mortgage?

Yes, properties with agricultural occupancy conditions are valued lower due to the restricted buyer pool. Specialist lenders factor this into their lending decision.

Farm & Agricultural Mortgages

Agricultural mortgages need specialist lenders who understand farming income and rural property values. We connect you with agricultural lending experts.

Farm & Agricultural Mortgage Finance

Farms and agricultural properties require specialist mortgage products. The income is seasonal and variable, the properties often include significant land, and agricultural ties may restrict use and resale. Mainstream lenders rarely accommodate these complexities, but specialist agricultural lenders understand farming businesses and can offer competitive finance.

Specialist agricultural lenders who understand farming
Seasonal and variable income assessment expertise
Large acreage and mixed-use properties accepted
Agricultural ties and occupancy conditions navigated
free initial rural property advice

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Your home may be repossessed if you do not keep up repayments on your mortgage.

Types of Agricultural Finance

Agricultural mortgages cover working farms, smallholdings, equestrian properties, rural estates, and agricultural land. The finance structure depends on whether the property is owner-occupied, tenanted, or a combination. Some properties may also qualify for residential mortgages if the farming element is minor.

Income Assessment for Farmers

Farm income is often seasonal, variable, and complex — involving crop sales, livestock, subsidies, diversification income, and agricultural payments. Specialist lenders understand these income patterns and assess affordability accordingly, rather than applying standard employed or self-employed criteria.

Agricultural Ties

Many farm properties have agricultural occupancy conditions (AOCs) that restrict occupation to people employed or last employed in agriculture. These significantly limit the buyer pool and therefore the property's mortgage value. Specialist lenders understand these restrictions and lend accordingly.

Diversification and Multi-Use

Modern farms often diversify into tourism, renewable energy, events, or commercial lettings. Lenders need to understand this mixed income and assess the property's value with these uses in mind. We find lenders who value diversified agricultural businesses properly.