Mortgages for Farms

We assist borrowers with commercial mortgages for farms and agricultural property, supporting the purchase, refinance, and long-term funding of farmland, agricultural buildings, and working farm assets. Where less than 40% of the land is used as or in connection with a dwelling by the borrower or a close family member, so more than 60% is business or agricultural use, the mortgage falls outside residential regulation under MCOB and must be arranged on a commercial loan.

Agricultural lending is a specialist area, and our role is to identify the most appropriate mortgage structure by matching each case to lenders with genuine rural and farming appetite. Criteria can vary significantly depending on land use, scale, diversification, and location, and not all lenders will support every farming operation. We guide borrowers through these challenges to ensure the finance aligns with both operational needs and lender expectations.

Criteria, Valuation, and Underwriting Support

Where the 40% commercial-use threshold is exceeded, lenders assess farm mortgages using commercial underwriting standards, rather than personal income multiples. We assist with selecting the correct valuation methodology, taking into account:

• Agricultural land value and acreage
• Farmhouses and any residential element
• Commercial or diversified income streams
• Agricultural ties and occupancy restrictions

Underwriting focuses on farming experience, land use sustainability, and income resilience, rather than household affordability.

Where farms generate additional income, such as solar farms, renewable energy installations, or leased agricultural assets, we help structure and present lease income, financial accounts, and supporting evidence to meet commercial lender requirements.

Loan Structure and Lending Outcomes

Farm commercial mortgages can offer longer loan terms and flexible repayment structures, with borrowing commonly available at up to 75% LTV, subject to land type, income profile, and lender appetite. Because these facilities are arranged outside MCOB, lender approach, pricing, and structure can vary significantly, making expert lender selection critical.

As a whole-of-market commercial mortgage broker, we provide independent advice and access to specialist agricultural lenders, managing criteria challenges, valuation approach, and underwriting presentation to secure funding that supports long-term farming operations and business growth.