Equestrian Mortgages

We’re experts in the equestrian sector, offering tailored financial solutions through equestrian mortgages and commercial mortgages designed for a wide range of horse-related ventures. Whether you’re purchasing land, acquiring properties with equestrian use, or launching a land-based business, our experienced commercial mortgage loan broker team is here to support you at every step.

Our in-depth knowledge spans across all types of equestrian establishments, from livery yards and competition centres to more specialist facilities like polo clubs, racing stables, and training centres. We also help clients looking to develop cross-country courses, open riding schools, or start breeding studs, offering access to commercial mortgage solutions that are built around the unique requirements of the equestrian world.

Beyond new acquisitions, we also support clients with refinancing, debt consolidation, buy-outs during partnership changes, or expanding and upgrading their facilities. Whether you’re building a residential unit on-site, need funding for infrastructure improvements, or require bridging finance, we provide the expertise to navigate every phase of your equestrian venture with confidence.

Affordability & Lending Potential

The commercial mortgage rates and loan terms available to you are driven largely by the strength and consistency of your business financials. Most lenders will request one to three years of accounts and assess affordability using EBITDA, focusing on the business’s ability to service debt rather than relying on simple income multiples.

Borrowing capacity is determined by a debt service coverage test, with lenders typically requiring EBITDA to cover annual mortgage repayments by around 1.25× to 2.0× once interest rates are stress-tested. The final loan offered is always capped by the lower of affordability or loan-to-value.

Well-prepared, clearly presented accounts, whether for an existing business or one you are acquiring, can significantly improve lender appetite, pricing, and available structures. As a whole-of-market commercial mortgage broker, we provide independent guidance and compare options across high-street and specialist lenders to secure sustainable, competitive funding.

If you’re ready to compare commercial mortgages tailored for equestrian use, Mortgage Lane is your trusted commercial mortgage loan broker. We’ll guide you through the application process, source competitive rates, and structure your funding to help you maximise long-term growth in this specialist sector.