We specialise in mortgages for:
We understand that farm income fluctuates. Unlike high street banks, we take time to review your accounts properly, considering: – Multi-year accounts to smooth seasonal variations – Diversified income streams (farm shop, agritourism, renewable energy) – Projected income from new ventures.
Our advisors have experience with: – Agricultural valuations and specialist properties – Tenant farmer situations – Mortgages secured against farmland and buildings – Complex ownership structures.
We work with lenders who understand agriculture. This means: – Better terms for farming businesses – Higher lending limits for agricultural properties – More flexibility on repayment structures – Support for expansion and investment.
We don’t just arrange your mortgage. We help you think about: – Protecting your farm through life insurance – Business succession planning – Tax-efficient structures – Long-term financial security.
1. Initial Consultation – We’ll discuss your farming operation, expansion plans, and financial goals. No jargon, just honest conversation about what you’re trying to achieve.
2. Financial Review – We’ll gather your accounts, tax returns, and business information. We take time to understand your income properly—not just the headline figures.
3. Property Valuation – We’ll arrange a specialist agricultural valuation. We know how to value working farms, not just the buildings.
4. Mortgage Recommendation – Based on your circumstances, we’ll recommend the best mortgage product and lender for your situation.
5. Application & Completion – We’ll handle the paperwork, liaise with solicitors, and keep everything moving smoothly to completion.
Can I get a mortgage if my income is variable? Yes. We specialise in this. We look at your accounts over several years and understand seasonal patterns.
✓ Local Expertise – Based in York, we understand rural Yorkshire and the wider North
✓ Specialist Knowledge – Our team has real experience with agricultural lending
✓ Flexible Approach – We don’t fit you into a box; we find solutions for your situation
✓ Long-Term Support – From initial purchase through remortgaging and expansion, we’re here for the journey
✓ Comprehensive Service – Mortgages, protection, business insurance, and more
Agricultural mortgages need careful handling and the right lender from the start. We understand rural property, agricultural ties and the complexities that come with them. Get in touch and let’s talk through what you’re trying to achieve.
We aim to respond to all enquiries within one working day. If your matter is urgent, please call us directly.
