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# R&BS Agricultural Mortgage Specialists: The best mortgages in the countryside

## Sitemaps
[XML Sitemap](https://www.ruralmortgages.co.uk/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [Farm inheritance tax: planning and financing your succession](https://www.ruralmortgages.co.uk/farm-inheritance-tax-planning-and-financing-your-succession/): How the IHT system works, the businesses most likely to be affected, and why planning now can make a real difference later.
- [Farm finance – outlook for 2026](https://www.ruralmortgages.co.uk/farm-finance-outlook-for-2026/): Perspectives on rates, lenders' appetites and market conditions. Clear planning is becoming more important.
- [Buying your farm tenancy – a practical guide](https://www.ruralmortgages.co.uk/buying-farm-tenancy-practical-guide/): How taking time to understand your tenancy purchase options and prepare correctly helps secure your farming future.
- [Why today’s farmers need specialist mortgage support](https://www.ruralmortgages.co.uk/why-farmers-need-specialist-mortgage-support/): Rob Lister was invited to write for the NACFB on why specialist finance brokers are essential in the agricultural industry.
- [Farm finance – outlook for 2025](https://www.ruralmortgages.co.uk/farm-finance-outlook-2025/): Continuing our annual look ahead for farming and finance, we asked the team for their views on what 2025 may have in store for farms and the rural lending market.
- [Permitted development of farm buildings – the finance options](https://www.ruralmortgages.co.uk/permitted-development-of-farm-buildings-the-finance-options/): For those needing finance for permitted development, we explain the different finance options depending on your circumstances and plans.
- [Recent successes – all started with a ‘no’ from a bank or lender ](https://www.ruralmortgages.co.uk/recent-successes/): Here are some recent cases where we’ve been able to consider the whole story to create successful solutions for our clients after their own banks could not help.
- [20 years of R&BS – how the mortgage market has changed and what’s changing](https://www.ruralmortgages.co.uk/20-yrs-market-changes/): It’s been 20 years since R&BS was founded! We've looked at what factors are influencing the market now. Interest rates are one, along with changes with lender appetities and staffing, and new entrants to the industry. Read what we have to say about these opportunities and challenges...
- [Farm finance – outlook for 2024](https://www.ruralmortgages.co.uk/farm-finance-outlook-2024/): We asked the team what they see happening to farming and banking in '24, and how that could affect the agricultural lending market.
- [A view from the field](https://www.ruralmortgages.co.uk/view-from-the-field/): Six months in to his role as Consultant in the Midlands, we caught up with Paul Simon to find out what he has been doing, and to ask his views on the farm mortgage market. Paul joined us in July having spent the last 16 years working as an agricultural relationship manager for Lloyds Bank.
- [How can you get the best mortgage deal now](https://www.ruralmortgages.co.uk/agricultural-lending-positive-best-mortgage-deal/): With mortgage rates still higher than they have been for over 15 years how can those buying land, looking to diversify or refinance make sure they are getting the best deal? We give some tips on what to consider when talking to banks or lenders.
- [Agricultural lending – market is positive](https://www.ruralmortgages.co.uk/agricultural-lending-positive/): The banks and lenders we work with continue to agree lending proposals. Pricing has risen due to bank base rate, but margins have remained as they were and have perhaps improved. Read our view on the positive market, and the considerations before fixing your interest rates. 
- [Getting a mortgage to buy land – what to consider](https://www.ruralmortgages.co.uk/land-mortgage-considerations/): We look at the deposit you’ll need and how a bank or lender would assess your ability to repay the loan. Plus, how the type of property and what you intend on doing on the land can affect the mortgage you could get. 
- [Farm Finance – outlook for 2022](https://www.ruralmortgages.co.uk/farm-finance-outlook-2022/): We asked the team what they see happening to farming and banking in '22, and how that could affect the agricultural lending market.
- [Mortgage application declined by your bank?](https://www.ruralmortgages.co.uk/existing-bank-decline-mortgage/): We've never seen so much variance in lender responses to farm mortgage proposals. More farmers are having lending requests declined by their existing bank.  We explain the reasons why and show how you can be successful at getting the funding you need.
- [Getting a mortgage for a property with an agricultural tie](https://www.ruralmortgages.co.uk/agricultural-tie-mortgages/): You’ve found the perfect property, but when you get into the detail you find the property has an agricultural tie. What is an agricultural tie, how will it affect your chances of getting a mortgage and how can you get a mortgage?
- [Where next for farm and rural lending?](https://www.ruralmortgages.co.uk/farm-lending-where-next/): Coronavirus and Government-backed loan schemes have brought into focus the number and diversity of lenders.  With tighter lending policies and reduced access to bank managers too, Rob Lister looks at what will be important for farms and rural businesses looking for finance.
- [Farming cashflow – preparing to take the strain](https://www.ruralmortgages.co.uk/farming-cashflow-strained/): Graham Sanders looks at how weather and disease has affected the key farming sectors this year. He also looks at what action farmers and diversified businesses should take now to prepare for cashflow pressures.
- [Funding a rural start-up business](https://www.ruralmortgages.co.uk/funding-a-rural-start-up/): If you’re thinking about moving to the countryside to start a business, there may never be a better time. We show you what to consider and where to look for finance to help turn your dreams into reality.
- [How to fund building an agricultural dwelling](https://www.ruralmortgages.co.uk/funding-agricultural-dwelling/): Many farms are looking to build new homes for succession planning, separation, divorce or other reasons. Funding such a build, particularly as the property may have an agricultural tie, comes with challenges that many see as unsurmountable. But they needn’t be if approached correctly.
- [Support for farms and rural businesses](https://www.ruralmortgages.co.uk/support-for-farms/): Whether you’re navigating economic uncertainty, changing market conditions, or personal stress, this guide brings together trusted sources of business, financial, and wellbeing support for the rural community.
- [Here for you](https://www.ruralmortgages.co.uk/here-for-you/): We know you’re busy but that some of you will be worried about the potential financial challenges that COVID-19 may bring, so we wanted to write a quick message to offer our support during these difficult times. Please know that we are here to help.
- [Get a mortgage swiftly and smoothly – 5 tips](https://www.ruralmortgages.co.uk/smooth-mortgage-5-tips/): An agricultural or rural mortgage can take from 4 weeks to 4 months to complete, or longer in some cases. Such deals often present a challenge in terms of ‘ticking the right boxes’ for lenders which causes delays and could put your plans at risk.  Here are 5 tips to ensure your mortgage process runs as smoothly as possible.
- [Why farm finance is getting harder to find and how to overcome it](https://www.ruralmortgages.co.uk/getting-farm-finance/): Farms and rural businesses are finding it increasingly hard to raise finance. But, if it’s of any reassurance, it’s not just restricted to the farming industry. Uncertainty over Brexit, low confidence in global and domestic economies and global banking regulations are making banks cautious of lending. What can you do to overcome it?
- [Funding the conversion of redundant farm buildings](https://www.ruralmortgages.co.uk/funding-conversions/): The April 2018 changes to permitted development rights for agricultural buildings have led to an increased number of clients looking for finance to convert agricultural buildings to residential and commercial uses. But what factors need to be considered to achieve finance and a completed project?
- [Farm and rural tourism – now is the time to plan investment](https://www.ruralmortgages.co.uk/investment-agricultural-tourism/): Tourism and leisure activities are some of the most important sectors in the rural economy. What are the prospects and what should farm and rural businesses do to invest and prepare for a profitable future?
- [Brexit – now is the time to consider your mortgage options](https://www.ruralmortgages.co.uk/brexit-mortgage-options/): Some of the effects of Brexit on farming businesses could be negated by investment. Current low interest rates make now a perfect time to consider borrowing options. But what are banks and lenders doing as Brexit gets closer, and what should farmers looking for mortgages do now?
- [Winners of the Best Rural Professional Services Business award!](https://www.ruralmortgages.co.uk/winners/): We’re delighted to have won the Best Rural Professional Services Business in the North in the 2019/20 Rural Business Awards.  Congratulations to our team of consultants who play an important role in the prosperity of their clients and in local rural communities.
- [Diversification – investment and bank funding on the up](https://www.ruralmortgages.co.uk/diversification-investment/): A survey of farming estate owners has shown increased confidence and commitment to invest, despite rising political and economic uncertainty. But, none of the respondents plan to diversify within farming. Instead, investment is being diverted to alternative rural enterprises. 73% plan to use bank funding to support the investment. 
- [Shortlisted for Top Rural Business Award](https://www.ruralmortgages.co.uk/shortlisted-for-rural-business-award/): We’ve been shortlisted in the Best Rural Professional Services Business in the 2019/20 Rural Business Awards, held in partnership with Amazon.
- [Cashflow forecast templates for agricultural businesses](https://www.ruralmortgages.co.uk/cashflow-forecast-templates/): Free downloadable cashflow forecast templates for different businesses;  farming
equestrian
kennels and catteries
holiday lettings, camping or glamping
rural business
smallholding
- [15 years of R&BS – how the market has changed and what’s changing](https://www.ruralmortgages.co.uk/15-years-of-rbs-how-the-market-has-changed-and-whats-changing/): It’s been 15 years since R&BS was founded. Several significant changes over that time have made it an interesting period for us and our clients. Find out what they are and the strategies farm and rural businesses can adopt to capitalise on these changes. 
- [Where next when ‘the computer says no’?](https://www.ruralmortgages.co.uk/where-next-when-the-computer-says-no/): We are seeing many lenders move towards using more computer-based technology to make automated decisions on lending cases. If ‘the computer says no’ and if there's no relationship or bank manager to influence any lending decision, how do you get finance?
- [Agriculture Bill 2018: now is the time to start planning](https://www.ruralmortgages.co.uk/agriculture-bill-2018-now-is-the-time-to-start-planning/): The long-awaited details of the new Agriculture Bill have been announced. All farm businesses must begin to plan ahead to ensure they are in a strong position and can cope with the loss of subsidy income. Professional guidance - including business finance advice -will be crucial in the years ahead.
- [Bank restructuring – what should farmers do if they are not happy with their new relationship](https://www.ruralmortgages.co.uk/bank-restructuring-what-should-farmers-do-if-they-are-not-happy-with-their-new-relationship/): More banks are restructuring their businesses to cut costs. As a result many farms are losing their bank manager or being moved to telephone banking staff with no understanding of farming. We give our tips for those who aren't happy with these changes.
- [The changing role of private banks in the rural finance marketplace](https://www.ruralmortgages.co.uk/the-changing-role-of-private-banks-in-the-rural-finance-marketplace/): Private banks have traditionally serviced high net worth clients. But these banks are changing their lending criteria, and are likely to appeal to more farming clients.
- [Good farm and rural mortgage deals to be had, if you know where to look](https://www.ruralmortgages.co.uk/good-farm-and-rural-mortgage-deals-to-be-had-if-you-know-where-to-look/): Farm borrowing is continuing to rise, but banks are becoming more regulated and stringent with their lending. We look at the different types of lenders in the farm and rural mortgage market and the margins currently possible.
- [What questions should you ask when preparing a business plan?](https://www.ruralmortgages.co.uk/what-questions-should-you-ask-when-preparing-a-business-plan/): A business plan is an essential document to put in front of your bank manager when you are discussing finance. We set out some of the subjects and questions you should ask yourself when preparing a plan.
- [Will interest rates be on the move soon?](https://www.ruralmortgages.co.uk/will-interest-rates-be-on-the-move-soon/): Opinions on whether the Bank of England base rate will increase from its low of 0.25% have been divided for some time. We look at the arguments for and against, and tell you what this means for farm and rural businesses.
- [Bank reorganisation – what it means for farmers and what can you do](https://www.ruralmortgages.co.uk/bank-reorganisation-what-it-means-for-farmers-and-what-can-you-do/): Many banks and financial institutions are cutting costs by restructuring their businesses. This can mean a change in bank manager or a move to a telephone service. We look at what is happening and what you can do if you are unhappy or struggling with your new banking arrangements.
- [Loyalty to your lender could be an expensive mistake](https://www.ruralmortgages.co.uk/loyalty-to-your-lender-could-be-an-expensive-mistake/): 90% of small businesses get their loans from their main bank, with no shopping around for other lenders. Have you ever compared your bank's rates, terms and conditions against other lenders? You could end up saving money or being in a more flexible position.
- [The time is not right for an interest rate rise – but be on alert](https://www.ruralmortgages.co.uk/the-time-is-not-right-for-an-interest-rate-rise-but-be-on-alert/): Despite the 5-3 vote from the MPC last week, Bank of England Governor Mark Carney has said the time is not yet right for an interest rate rise. At R&BS we monitor fixed rate cost of funds closely and give updates on market trends to help you to decide if you should fix your interest rates or not. 
- [Uncertainty is certain. How can farms prepare for a few bumpy years ahead?](https://www.ruralmortgages.co.uk/uncertainty-is-certain-how-can-farms-prepare-for-a-few-bumpy-years-ahead/): The farming industry is bracing itself for a big change with Brexit looming. Our contacts in the banks are saying ‘business as usual’ but there are indicators of instability. What can farms and rural businesses do to prepare for a period of uncertainty? 
- [Will UK interest rates rise?](https://www.ruralmortgages.co.uk/will-uk-interest-rates-rise/): Are interest rates on the move? We think not which is good news for farming businesses. While interest rates are low, it’s a good time to invest too. But there will come a time when you might want to fix your interest rates - but when? Each business should draw their own conclusion based on their circumstances and approach to risk.
- [Farmers should plan for Brexit changes sooner rather than later](https://www.ruralmortgages.co.uk/farmers-should-plan-for-brexit-changes-sooner-rather-than-later/): Many banks and rural lenders remain supportive of the farming industry. However, R&BS would encourage farms and rural businesses to plan for change and evaluate their financial options now rather than wait for the outcome of the exit negotiations with the EU.
- [Increasing numbers of unsecured lenders open opportunities for farms and rural businesses](https://www.ruralmortgages.co.uk/increasing-numbers-of-unsecured-lenders-open-opportunities-for-farms-and-rural-businesses/): It’s getting rare to find the main banks offering unsecured lending facilities. Tenant farmers, start-ups and those that have reached their secured credit limit find it hard to find finance. But more lenders are coming in to the market and could help you.
- [Alternative finance – the opportunities for farm and rural businesses](https://www.ruralmortgages.co.uk/alternative-finance-the-opportunities-for-farm-and-rural-businesses/): Our main focus is finding our clients the most appropriate finance through the high street banks, farming lenders and private banks. But the number of alternative lenders are growing and here we explain their benefits.
- [Brexit – where now for bank lending to farms and rural businesses and for interest rates?](https://www.ruralmortgages.co.uk/brexit-where-now-for-bank-lending-to-farms-and-rural-businesses-and-for-interest-rates/): It went down to the wire but the people of the United Kingdom voted to leave the European Union (EU). What does it mean for banking, interest rates and farming? 
- [Avoid taking the easy funding options when things get hard](https://www.ruralmortgages.co.uk/avoid-taking-the-easy-funding-options-when-things-get-hard/): Farm incomes are being hit and profits squeezed by the drop in farm gate prices. It’s leading to cash-flow problems for many farmers. While quick, short-term alternatives for finance sometimes look the easiest option to help struggling farmers out of cash shortages, we caution that these are often expensive and can be damaging.
- [Brexit – are we any closer to knowing the impact of an in or out?](https://www.ruralmortgages.co.uk/brexit-are-we-any-closer-to-knowing-the-impact-of-an-in-or-out/): Have the farming industry questions on how an EU exit would affect farmers been answered? We look at the outstanding points and what happens next.

## Pages
- [Accessibility Statement](https://www.ruralmortgages.co.uk/accessibility/): At Rural & Business Specialists Ltd (R&BS), we believe that the web should be accessible to anyone and everyone. We are committed to ensuring digital accessibility for people with disabilities, continually improving the user experience for all our visitors, and applying relevant accessibility standards to guarantee equal access to our services, information, and mortgage calculators.
- [Mortgage Calculator](https://www.ruralmortgages.co.uk/calculator/): The graph illustrates how the monthly repayment pays off capital and interest over the mortgage term.
- [Complaints Policy](https://www.ruralmortgages.co.uk/complaints-policy/): Policy statement
- [R&BS Website Terms and Conditions](https://www.ruralmortgages.co.uk/terms-conditions/): These Terms and Conditions set out the terms under which you may use this website – www.ruralmortgages.co.uk
- [Analytics & Cookies](https://www.ruralmortgages.co.uk/cookies/): This website has software (Clicky, Google, Metrica and Microsoft Clarity) so we can check it's working as it should and help us improve it.
- [Privacy Policy](https://www.ruralmortgages.co.uk/privacy/): We are Rural & Business Specialists Ltd and we can be contacted using the following details:
- [Contact](https://www.ruralmortgages.co.uk/contact/): Let’s secure the right finance for your farm, estate, or rural business.
- [News](https://www.ruralmortgages.co.uk/news/): Farm & finance · News & views
- [Home](https://www.ruralmortgages.co.uk/): For agricultural businesses to buy land, diversify, build and refinance

## Mortgages
- [Smallholding Mortgages](https://www.ruralmortgages.co.uk/smallholding/): For land-based businesses, including agricultural-ties properties, to grow, diversify, build, restructure existing debt and more...
- [Land Mortgages](https://www.ruralmortgages.co.uk/land/): For established farms, estates and equestrian and rural businesses the barriers to mortgages for buying land are low – and we can help you overcome them.
- [Equestrian Mortgages](https://www.ruralmortgages.co.uk/equestrian/): For equestrian businesses such as livery yards, studs, racing yards, and riding schools to buy land, expand, build houses on site, remortgage and more...
- [Rural Business Mortgages](https://www.ruralmortgages.co.uk/rural-business/): For enterprises such as vineyards, horticulture, camping, tourism and recreation to expand, build or convert facilities, renegotiate existing loans and more...
- [Farm & Estate Mortgages](https://www.ruralmortgages.co.uk/farms/): For agricultural businesses and landed estates to buy land, remortgage, diversify, build or convert buildings, buy out family members and more...

## Case Studies
- [Securing business growth through property ownership](https://www.ruralmortgages.co.uk/case-study/securing-business-growth-through-property-ownership/): A long-established bus company secured funding to purchase its operating farm yard, removing reliance on rented premises and achieving long-term business stability.
- [Refusal at the bank, cleared at final attempt when presented by R&BS](https://www.ruralmortgages.co.uk/case-study/refusal-at-the-bank-cleared-at-final-attempt-when-presented-by-rbs/): When Mark and his wife were turned down by every lender for funding a new equestrian centre and holiday cottages, despite a significant deposit and annual income, R&BS prepared a specialist lending proposal and secured a funding offer the following week.
- [Livery gallops ahead after hurdles breached](https://www.ruralmortgages.co.uk/case-study/livery-gallops-ahead-after-hurdles-breached/): When Adelle's Brabham's bank withdrew her livery yard mortgage citing a policy change, R&BS secured her a competitive mortgage from a new lender to help keep her business trading.
- [Dressage yard and livery aims for gold with the right support](https://www.ruralmortgages.co.uk/case-study/dressage-yard-and-livery-aims-for-gold-with-the-right-support/): When the Gale family needed a commercial mortgage to purchase a stud for a dressage enterprise, they knew specialist help was essential. R&BS refocused their business plan, approached five lenders, and secured a competitive mortgage on suitable terms.
- [Mixed farm mortgage finance for three holiday let conversions](https://www.ruralmortgages.co.uk/case-study/mixed-farm-mortgage-finance-for-three-holiday-let-conversions/): When the Vant family's lender withdrew support for their holiday cottage development, R&BS structured staged development funding with a new lender, and brought the farm and diversification under a single banking arrangement.
- [Personal service ensures equestrian yard purchase](https://www.ruralmortgages.co.uk/case-study/personal-service-ensures-equestrian-yard-purchase/): When Melanie Jones and Andrew Court set out to purchase a livery yard, securing a mortgage for a mixed residential and commercial property proved difficult. R&BS secured them a mortgage offer with good rates, terms and fees.
- [Family buy-out](https://www.ruralmortgages.co.uk/case-study/family-buy-out/): When Mr B's family agreed to buy out co-owners of a long-held farm and agricultural business, they needed around £1 million with no previous borrowing track record. R&BS structured the proposal and secured a competitive offer.
- [Farm building conversion](https://www.ruralmortgages.co.uk/case-study/farm-building-conversion/): When Jane Schwier set out to convert farm buildings into five holiday lets and a rental property, securing full development funding from the outset was critical. R&BS secured a single staged facility at a competitive rate.
- [Arable farm purchase](https://www.ruralmortgages.co.uk/case-study/arable-farm-purchase/): When the Chennells family needed to finance a neighbouring farm purchase within a month, R&BS approached five lenders, received four offers, and negotiated a more competitive deal than their existing bank had originally offered.
- [Anaerobic Digestion plant purchase](https://www.ruralmortgages.co.uk/case-study/anaerobic-digestion-plant-purchase/): When the Piper family sought to purchase an anaerobic digestion plant on their Kent farm, their bank initially declined. R&BS overturned the decision and, after a complex three-year process, secured a competitive restructured mortgage package.
- [Buying a sibling out of family farm](https://www.ruralmortgages.co.uk/case-study/buying-a-sibling-out-of-family-farm/): When Mark Smith inherited a 50% share of a family farm, he believed buying out his brother was beyond his means. R&BS structured a staged plan, demonstrated serviceability and secured finance on flexible terms.
- [Livestock expansion and slurry store](https://www.ruralmortgages.co.uk/case-study/livestock-expansion-and-slurry-store/): When his bank declined funding for a new slurry store and livestock expansion, Einion Jenkins faced an 11% interest rate from another lender. After R&BS produced a clear farm financial picture, his existing bank agreed to double its lending.
- [Smallholding purchase – ‘knot’ what it first seemed!](https://www.ruralmortgages.co.uk/case-study/smallholding-purchase-knot-what-it-first-seemed/): Angela and Will were buying 5 acres with buildings and planned to run rural enterprises to supplement their incomes.But when the bank missed a crucial point in the valuation report, their dreams looked set to vanish. 
- [Couple buy land to rear cattle and complement their employed income](https://www.ruralmortgages.co.uk/case-study/couple-buy-land-to-rear-cattle-and-complement-their-employed-income/): When 38 acres of land came up for sale, Chris and Jo were keen to grasp the opportunity to build their own herd, but knew they’d need specialist help to get finance.
- [Agricultural-tie property secures a rosy future with mortgage finance](https://www.ruralmortgages.co.uk/case-study/agricultural-tie-property-secures-a-rosy-future-with-mortgage-finance/): When a security alarm specialist approached brokers to help him fund the purchase of an agricultural-tie property to relocate his business and family, no one could help. But then he was introduced to R&BS…
- [Purchase of a country manor house with land and stables](https://www.ruralmortgages.co.uk/case-study/purchase-of-a-country-manor-house-with-land-and-stables/): When Jackie Taylor sought to purchase a manor house with stables and land, her usual lenders had no appetite for the property type or livery business. R&BS secured mortgage approval within two days, and kept the case on track through two years of complications.
- [Working Capital Finance for a Wine Estate](https://www.ruralmortgages.co.uk/case-study/working-capital-finance-for-a-wine-estate/): When Rathfinny wine estate needed additional working capital finance, their bank wasn't able to help. They were referred to R&BS to explore other options in the market.
- [Farm and farm shop development finance](https://www.ruralmortgages.co.uk/case-study/farm-and-farm-shop-development-finance/): R&BS have helped Helen and James Baird of Pluckley Farm Shop obtain further finance to allow them to complete developments to their separate farm site.
- [Development funding turns the wheels of cycling accommodation enterprise](https://www.ruralmortgages.co.uk/case-study/development-funding-turns-the-wheels-of-cycling-accommodation-enterprise/): When Jane Fowler secured planning consent for a home and cyclist accommodation in open countryside, funding proved the final hurdle. R&BS repositioned the business case and secured both development finance and a long-term commercial mortgage.
- [Award winning vineyard fizzes with funding support](https://www.ruralmortgages.co.uk/case-study/award-winning-vineyard-fizzes-with-funding-support/): A boutique vineyard in Kent wanted to develop and keep pace with the rapid growth and success of the UK wine industry. Their existing banks and other banks wouldn't support their plans, until R&BS were called in to help.
- [Fishing lake, campsite and café finance](https://www.ruralmortgages.co.uk/case-study/fishing-lake-campsite-and-cafe-finance/): We were approached to secure finance to buy a partner out of a fishing lake business, and for capital to put in services for touring caravans, camping pods, and an on-site café.
- [Smallholding finance secured for a family and business move](https://www.ruralmortgages.co.uk/case-study/smallholding-finance-secured-for-a-family-and-business-move/): John and Nicole had a dream of moving to Devon to run John’s business and set up a smallholding. But getting a bank to support them with a mortgage was difficult, so they called on the help of R&BS.
- [Remortgage expertise helps lights to shine on rural business](https://www.ruralmortgages.co.uk/case-study/remortgage-expertise-helps-lights-to-shine-on-rural-business/): When Emma's residential interest-only mortgage neared the end of its term, her bank couldn't help — her smallholding had developed mixed uses. She needed a specialist lender.

## FAQs
- [Do you belong to any regulatory bodies or organisations?](https://www.ruralmortgages.co.uk/faq/do-you-belong-to-any-regulatory-bodies-or-organisations/): Yes, we are members of the National Association of Commercial Finance Brokers (NACFB). We voluntarily subscribe to the NACFB and by doing so, we operate under an Office of Fair Trading registered Code of Practice. This is your assurance that you are working with an organisation of the utmost integrity.
- [Why should we trust you to arrange our finance?](https://www.ruralmortgages.co.uk/faq/why-should-we-trust-you-to-arrange-our-finance/): Our business is built on integrity. Our model has served us well throughout the credit crisis and we remain in business due to our success in delivering successful lending outcomes for our clients, often where the clients or other consultants have failed.
- [What makes you different?](https://www.ruralmortgages.co.uk/faq/what-makes-you-different/): We specialise in a very niche market which requires unique skills and understanding. These are skills that our whole team possess.
- [What exactly do you do?](https://www.ruralmortgages.co.uk/faq/what-exactly-do-you-do/): We help you to raise capital for any farm, rural or land-based business for any purpose secured principally against rural property or land.
- [Do you only provide farm and rural finance?](https://www.ruralmortgages.co.uk/faq/do-you-only-provide-farm-and-rural-finance/): Our main focus is farm and rural finance, however our wealth of experience in finance and the skills across our team enables us to draw upon this expertise to accommodate for a vast range of business types, circumstances and requirements.
- [Do you cover the whole of the UK?](https://www.ruralmortgages.co.uk/faq/do-you-cover-the-whole-of-the-uk/): We are a nationwide company and cover the whole of the UK.
- [Why should I use you instead of my bank?](https://www.ruralmortgages.co.uk/faq/why-should-i-use-you-instead-of-my-bank/): It is not really a question of using us instead of your bank. In the first instance, we will work with you to improve the communication between you and your existing bank. But we can also talk to other providers to ensure that you are successful with your funding request and that you have the best terms for your business for the long term.
- [Are you a bank or lender?](https://www.ruralmortgages.co.uk/faq/are-you-a-bank-or-lender/): Neither. Some people might call us a broker as that is a term that they understand. However, we do far more than arrange and negotiate funding. We are financial consultants who identify clients’ key requirements and objectives and find innovative and bespoke solutions for now and the long-term.
- [For what purposes can funding be arranged?](https://www.ruralmortgages.co.uk/faq/for-what-purposes-can-funding-be-arranged/): Funding can be arranged for any business purpose, including (but not exclusive to) buying a new property, refinancing existing borrowing, diversification and development, expansion, renewable energy projects, working capital and for any other capital requirements including matrimonial or partnership dissolutions, capital gains and/or inheritance tax liabilities.
- [What type of businesses can you help?](https://www.ruralmortgages.co.uk/faq/what-type-of-businesses-can-you-help/): Farms and rural or farming estates Smallholdings, country houses, houses with land, properties with occupancy restrictions and agricultural ties.  Equestrian establishments including riding schools, livery yards, studs, training yards, competition yards, racing yards, polo parks, cross country courses and equestrian tied properties.  Rural businesses including holiday cottages and complexes, log cabins, caravan sites and park homes, fishing lakes, kennels and catteries, marinas, forestry, farm play parks, outdoor activity pursuits, plant nurseries and garden centres.
- [How long will it take before the loan funds would be available?](https://www.ruralmortgages.co.uk/faq/how-long-will-it-take-before-the-loan-funds-would-be-available/): There are several factors that determine timescales. It will usually depend on what you need the funds for (e.g. a purchase or to refinance borrowings) and the complexity of the property being offered as security i.e. if it is registered title or not.
- [What other costs are involved when arranging rural finance?](https://www.ruralmortgages.co.uk/faq/what-other-costs-are-involved-when-arranging-rural-finance/): Typically fees are as follows:
- [How much do you charge and when?](https://www.ruralmortgages.co.uk/faq/how-much-do-you-charge-and-when/): Our first meeting with you is free of charge and without obligation.  At that time, our fees will be discussed and they will be clear before you commit to us and us to you.
- [Which lenders do you use?](https://www.ruralmortgages.co.uk/faq/which-lenders-do-you-use/): We currently have a panel of over 30 lenders. We constantly and actively work to improve these existing relationships and to develop new ones. The choice of lender will depend largely on your lending proposal and your circumstances.
- [What is the process?](https://www.ruralmortgages.co.uk/faq/what-is-the-process/): First, we meet with you to discuss your requirement. We compile the relevant information and if necessary create a business plan and financial forecasts. We will submit a detailed lending proposal to our selected banks and lenders.  After their positive responses, we introduce you to the selected funding partners and work with you to negotiate with the lenders to get the best rates and terms.  Once funding is agreed, outline terms are provided and subject to your acceptance of those terms, you can instruct solicitors and your land and property is valued. The legal process continues until the mortgage is in place over the property that you offered as security and once that is complete, the funds are released.
- [Is there a maximum loan amount?](https://www.ruralmortgages.co.uk/faq/is-there-a-maximum-loan-amount/): There is no maximum borrowing amount. However, the maximum that any business will be able to borrow will depend upon the circumstances of that business, the ability to meet the repayments and the security available.
- [How do I calculate my monthly repayments?](https://www.ruralmortgages.co.uk/faq/how-do-i-calculate-my-monthly-repayments/): For an estimate of monthly repayment costs, you can use our Ag Mortgage Calculator.
- [Can I calculate how much I can borrow based on my current salary?](https://www.ruralmortgages.co.uk/faq/can-i-calculate-how-much-i-can-borrow-based-on-my-current-salary/): Unlike a residential mortgage where lenders use your salary or income as a basis for the amount you can borrow; commercial lending is different.
- [What is likely to be the rate of interest?](https://www.ruralmortgages.co.uk/faq/what-is-likely-to-be-the-rate-of-interest/): Interest rates vary depending on each lender, their level of risk, the amount you wish to borrow and the quality of your lending proposal.
- [I have a 10% deposit towards a purchase, is this sufficient?](https://www.ruralmortgages.co.uk/faq/i-have-a-10-deposit-towards-a-purchase-is-this-sufficient/): Not really, 30% of the purchase price is the minimum deposit you need, unless you have additional owned property (either yours or a willing third party’s) which could be used by the lender as security.
- [Can I borrow 100% of the purchase price of a property?](https://www.ruralmortgages.co.uk/faq/can-i-borrow-100-of-the-purchase-price-of-a-property/): Borrowing 100% of the purchase price of a property is a possibility. However, there are two caveats here. Firstly, you would need to offer additional property as security that is owned by yourself or a third party. This is because you still must comply with the 70% LTV rule. Secondly, the borrowing would be subject to the ability of your business to meet the repayments.
- [How much deposit do I need to buy the land or property?](https://www.ruralmortgages.co.uk/faq/how-much-deposit-do-i-need-to-buy-the-land-or-property/): Lenders will require you to pay at least a 30% deposit.
- [What is the maximum Loan to Value (LTV)?](https://www.ruralmortgages.co.uk/faq/what-is-the-maximum-loan-to-value-ltv/): The maximum LTV typically is 70% of the security offered. So, using a simple example, if you want to borrow £700,000, the security value would have to be £1 million.
- [How much can I borrow to buy the land or property?](https://www.ruralmortgages.co.uk/faq/how-much-can-i-borrow-to-buy-the-land-or-property/): Lenders will secure your mortgage against your new land or property. If you can’t repay the debt they can sell the land or property to recover their costs.
- [I am buying a going concern farm, rural, or equestrian business. Can you help?](https://www.ruralmortgages.co.uk/faq/i-am-buying-a-going-concern-farm-rural-or-equestrian-business-can-you-help/): Farms are generally not sold as a going concern and rarely have we seen an equestrian business sold in this manner. However, there are some rural enterprises that are such as include holiday cottage complexes, holiday parks, fisheries, kennels and catteries, nurseries and garden centres.
- [I know my neighbouring farm will be coming up for sale soon. What should I do to get myself in a good position?](https://www.ruralmortgages.co.uk/faq/i-know-my-neighbouring-farm-will-be-coming-up-for-sale-soon-what-should-i-do-to-get-myself-in-a-good-position/): Talk to us now. Planning is key. If you are in a strong position to move i.e. with funding pre- agreed, you will be able to negotiate more aggressively with the vendor. Remember, anyone selling a property is likely to be under an element of time pressure and if you can move quickly these are strong grounds for negotiation.
- [My situation is complicated and difficult. Can you help?](https://www.ruralmortgages.co.uk/faq/my-situation-is-complicated-and-difficult-can-you-help/): Our business has been built on helping people and their businesses. This is one of our areas of strength - we are problem solvers and always to go the extra mile to get you to where you want to be.
- [My accounts aren’t that great, and I need finance. Can you help?](https://www.ruralmortgages.co.uk/faq/my-accounts-arent-that-great-and-i-need-finance-can-you-help/): Accounts are produced for tax mitigation purposes. It is the job of the accountant to make them look worse than they really are. We understand that!
- [My business is not agricultural. Can you help?](https://www.ruralmortgages.co.uk/faq/my-business-is-not-agricultural-can-you-help/): No problem. We can help to fund any rural or land-based business or indeed any commercial business activity that operates from rural premises i.e. tree surgeon, engineer etc.
- [I have never done this before, so how do I go about purchasing farmland or a rural property?](https://www.ruralmortgages.co.uk/faq/i-have-never-done-this-before-so-how-do-i-go-about-purchasing-farmland-or-a-rural-property/): We understand that this can be daunting. However, we can hold your hand throughout the process and can introduce you to our associated professionals to give you the essential advice that you need to bring your plans to fruition.
- [I am thinking about selling my farm as my bank doesn’t support me. Can you help?](https://www.ruralmortgages.co.uk/faq/i-am-thinking-about-selling-my-farm-as-my-bank-doesnt-support-me-can-you-help/): Selling is the final option. Just because one bank doesn’t want to support you doesn’t mean that this is an industry-wide policy. We will explore the potential issues with the business and put into place a strategy to address these. With a firm plan in place and a clear direction for the business we would then approach our funding partners who we know would support you.
- [Can you help even though my business is a new venture (start-up)?](https://www.ruralmortgages.co.uk/faq/can-you-help-even-though-my-business-is-a-new-venture-start-up/): This is a possibility. Our funding partners’ criteria will be more demanding, but it is possible particularly with a business plan that is well thought out, transparent and stands up to scrutiny.
- [I need funds urgently. Can you help?](https://www.ruralmortgages.co.uk/faq/i-need-funds-urgently-can-you-help/): There is always a way. Our aim is always to find the best terms for you and to ensure the longevity of your business. Often, we find that it’s not quite as urgent as originally thought and it’s quite common for us to mediate to help you ‘buy time’ to ensure the most cost-effective funding solution is put in place.
- [My bank has said yes all along the way but has now let me down at the last minute. Can you help?](https://www.ruralmortgages.co.uk/faq/my-bank-has-said-yes-all-along-the-way-but-has-now-let-me-down-at-the-last-minute-can-you-help/): That’s a very disappointing and frustrating position to find yourself in. We can review the situation and investigate if there are any grounds to talk to your existing bank again. Alternatively, we can address the issues raised and approach our alternative funding partners.
- [My bank doesn’t understand me and I feel under pressure to move banks. Can you help?](https://www.ruralmortgages.co.uk/faq/my-bank-doesnt-understand-me-and-i-feel-under-pressure-to-move-banks-can-you-help/): This is often a communication issue, or your business is in the wrong division of your bank. Our first port of call will always be to try to resolve any issues with your existing bank.
- [My property has an agricultural restriction on it (a tie). Can I get a mortgage on it as my bank is unable to help?](https://www.ruralmortgages.co.uk/faq/my-property-has-an-agricultural-restriction-on-it-a-tie-can-i-get-a-mortgage-on-it-as-my-bank-is-unable-to-help/): Occupancy restricted or agricultural tie properties are not a problem to fund - providing you can satisfy the occupancy restriction. The easiest way to answer this is to look at the planning consent on the property, particularly the occupancy restriction clause. Ask yourself if you comply or not. If you answer is no, then funding will not be possible.
- [My bank is insisting upon various lending conditions. Is there a more competitive solution?](https://www.ruralmortgages.co.uk/faq/my-bank-is-insisting-upon-various-lending-conditions-is-there-a-more-competitive-solution/): This is one of the problems of finding finance by yourself. How do you know if the offer of funding is competitive or reasonable? Lenders can vary considerably in both their terms and conditions. We can review your offer and help to negotiate terms or restrictive conditions away. 
- [I have approached The Agricultural Mortgage Corporation (AMC) and my own bank for finance to no avail. Does that mean there are no other options available to me?](https://www.ruralmortgages.co.uk/faq/i-have-approached-the-agricultural-mortgage-corporation-amc-and-my-own-bank-for-finance-to-no-avail-does-that-mean-there-are-no-other-options-available-to-me/): No, certainly not. The lending market is a very uneven playing field. You need to know which lenders have an appetite, and what criteria are driving their lending decisions. We have this knowledge and will help you to navigate the market to deliver the right funding solution when you need it.
- [My bank has offered me finance terms. Can you improve on them?](https://www.ruralmortgages.co.uk/faq/my-bank-has-offered-me-finance-terms-can-you-improve-on-them/): Just give us a call. We will tell you honestly if they are competitive or not. If we think you can get a better deal elsewhere, we will tell you and can help you.

## Team Members
- [Polly Stevenson · marketing](https://www.ruralmortgages.co.uk/about/polly-stevenson-%c2%b7-marketing/): Farmers’ daughter and now a partner in her family farm, Polly not only understands our audience, she is our audience. A graduate of Seale-Hayne, she’s been fully immersed in farming all her life, and in marketing and communications to farmers for over 25 years.
- [Evelyn Richards · executive assistant & digital marketing](https://www.ruralmortgages.co.uk/about/evelyn-richards-%c2%b7-executive-assistant-digital-marketing/): As the daughter of the director, Jim Richards, Evelyn was raised with R&BS in her life, learning about its work and the dedicated service it delivers.
- [David West · senior consultant](https://www.ruralmortgages.co.uk/about/david-west-%c2%b7-consultant/): David has over 40 years’ experience with Lloyds Bank in a variety of roles. He spent 15 years as Regional Agricultural Director in East Anglia looking after a diverse range of agricultural and rural businesses.
- [Nic Vovk · consultant](https://www.ruralmortgages.co.uk/about/nic-vovk-%c2%b7-consultant/): Nic is a progressive farmer running a mixed livestock enterprise. She manages a flock of 300 ewes, including a Maedi Visna (MV) accredited pedigree Texel flock alongside a commercial flock of mules. Nic also runs a small suckler herd with a Hereford bull and bucket-rears around 100 calves annually.
- [Paul Simon  · consultant](https://www.ruralmortgages.co.uk/about/paul-simon-%c2%b7-consultant/): Paul brings a wealth of experience in banking and farming to the team. He has spent over 40 years with Lloyds Bank in Commercial Banking, with the last 16 years as an Agricultural Relationship Manager covering the Central Midlands.
- [Graham Sanders · senior consultant](https://www.ruralmortgages.co.uk/about/graham-sanders-%c2%b7-consultant/): Graham has a total of 44 years of experience in banking. Working his way up through various commercial banking roles in Lloyds Bank, he spent 16 years as a Regional Agricultural Manager for agricultural and rural businesses in Sussex and Surrey before joining R&BS in 2014.
- [Mark Prunty· consultant](https://www.ruralmortgages.co.uk/about/mark-prunty%c2%b7-consultant/): Mark brings 15 years of banking experience to R&BS, all spent working closely with agricultural businesses across the South West. He joins from a Relationship Manager role with HSBC, looking after farming clients with turnovers from £1 million to £30 million.
- [Kim Pickering · consultant](https://www.ruralmortgages.co.uk/about/kim-pickering-%c2%b7-consultant/): Kim is a client of R&BS. She liked us so much she decided to work for us!
- [Seamus O’Neill · consultant](https://www.ruralmortgages.co.uk/about/seamus-oneill-%c2%b7-consultant/): Seamus joined R&BS in 2007 and is our longest serving consultant. Over this time, he has seen every possible customer circumstance or borrowing scenario and always goes that extra mile to deliver appropriate funding solutions.
- [Stewart Hamilton · consultant](https://www.ruralmortgages.co.uk/about/stewart-hamilton-%c2%b7-consultant/): Stewart brings a wealth of experience as a rural surveyor and RICS Registered Valuer, developed through senior positions at leading land agency firms Bell Ingram, Stephensons Rural, and George F. White. This extensive background led to the 2024 launch of his own consultancy, The Land, Farm and Property Consultancy Ltd, which specialises in farm sales, valuations, estate management and rural business strategy.
- [Laura Harris · consultant](https://www.ruralmortgages.co.uk/about/laura-harris-%c2%b7-consultant/): Born into a farming family, Laura is a graduate of BSc Hons degree in Animal Management and Science.
- [Russell Gambier · consultant](https://www.ruralmortgages.co.uk/about/russell-gambier-%c2%b7-consultant/): Russell brings over 45 years of farming experience, including more than three decades specialising in dairy farming. His career has spanned a wide range of roles on and off the farm, giving him a deep understanding of the realities and demands of modern agriculture.
- [Charlotte Douglas · equine consultant](https://www.ruralmortgages.co.uk/about/charlotte-douglas-%c2%b7-equine-consultant/): Charlie has an equestrian background and is an award-winning graduate from University Centre Askham Bryan near York. She holds both an MSC in Applied Animal Behaviour & Welfare and a First Class BSc (Hons) in Equine Science.
- [John Bailey · consultant](https://www.ruralmortgages.co.uk/about/john-bailey-%c2%b7-consultant/): With nearly 39 years at NatWest/Royal Bank of Scotland Group, John brings extensive banking expertise from relationship and credit roles in the commercial and agricultural sectors.
- [Jim Richards · director](https://www.ruralmortgages.co.uk/about/jim-richards-%c2%b7-director/): Jim is an agriculture graduate and has an extensive rural education.
- [Rob Lister · director](https://www.ruralmortgages.co.uk/about/rob-lister-%c2%b7-director/): From a farming family in Kent, Rob graduated in Rural Estate Management and qualified as a Rural Practice Chartered Surveyor.