Equestrian Mortgages

Home | Mortgages | Equestrian Mortgages

Expert & Honest Advice

Equestrian Mortgages

Purchasing or refinancing an equestrian property is more than just a real estate transaction—it’s about enabling your passion, your business, and your lifestyle.

Standard mortgages often fall short when it comes to stables, riding arenas, paddocks, and the diverse income streams equestrian properties can generate. That’s why you need a specialist. At RH Mortgage & Financial Solutions, we bring deep equestrian knowledge and specialist mortgage expertise to every client. We understand your world, the value of your facilities, and the unique ways your property can generate income. Our team works with a wide panel of lenders who recognise equestrian businesses and can structure finance that fits your ambitions.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Key facts

Equestrian Mortgages

Who We Help

We specialise in mortgages for:

Individuals and families seeking homes with equestrian facilities
Professional equestrians, riders, and trainers
Livery yard operators and boarding businesses
Riding schools, instructors, and training centres
Breeding operations and stud farms
Event venues and competition facilities
Equestrian tourism—holiday lets, glamping, and riding experiences
Equestrian businesses—tack shops, farriers, vets, and more

We Understand Equestrian Income

Unlike most lenders, we recognise income from:

Livery and boarding (full, part, DIY, seasonal, emergency)
Lessons, training, clinics, and coaching (in-person and online)
Breeding fees, foal/horse sales, and consultancy
Events, competitions, and sponsorship
Tourism, holiday lets, and corporate experiences
Ancillary services—farriery, vet, retail, grazing, and diversification (farm shops, wellness, events)

What Makes Our Service Different:

Specialist Valuation: We arrange valuations that reflect the true worth of your equestrian property—including stables, arenas, land, and business potential.
Income Assessment: We work with lenders who understand livery, lessons, breeding, and diversified income streams—even if they’re seasonal or growing.
Flexible Borrowing: Mortgages that include business income, support facility expansion, and adapt to your evolving needs.
Business Planning Support: Guidance on expanding your services, diversifying income, and building a sustainable equestrian business.
Comprehensive Advice: Protection for your investment, income, and business—plus succession and tax planning for the future.

Frequently Asked Questions

Can I get a mortgage based on livery income? Yes—established livery income can be included in affordability, typically using 2-3 years of accounts.
What if I’m starting a new business?
We can help, especially if you have a strong business plan and personal income.
Can I borrow to expand my facilities?
Yes—mortgages and refinancing can support improvements that increase income.
What about seasonal or multiple income streams?
We understand and assess all relevant income, smoothing out seasonal variations.
Can I keep my property private?
Absolutely. We arrange residential mortgages for equestrian properties used solely for personal enjoyment.
How much can I borrow?
It depends on your income, property value, and business plans—we’ll explore every option for you.

Our Equestrian Mortgage Process:

Initial Consultation: We discuss your property, business plans, and financial goals—personal or commercial.
Business & Financial Review: For income-generating properties, we review accounts, contracts, schedules, and projections.
Specialist Valuation: A valuation that truly understands equestrian facilities and potential.
Mortgage Recommendation: We match you with the right lender and product for your situation.
Application & Completion: We handle the paperwork and keep your application moving smoothly.

Why Choose RH Mortgage & Financial Solutions?

✓ Real equestrian expertise—our team truly understands your needs

✓ Access to specialist lenders and products

✓ Recognition of all equestrian income streams

✓ Guidance on growth, diversification, and sustainability

✓ Comprehensive, long-term support for every stage of your journey

Buying an equestrian property? This is exactly what we do.

Yards, stables, arenas, grazing land. We know this market inside out and we know which lenders understand it too. Get in touch and let’s talk through what you’re looking for.

We aim to respond to all enquiries within one working day. If your matter is urgent, please call us directly.