A tree-lined field of crops with rolling hills in the distance

Agricultural mortgage

Finance for land and buildings

A flexible mortgage designed to help you buy farmland, farm buildings or improve your farm infrastructure1.

What is an agricultural mortgage?

An agricultural mortgage is a type of loan designed for farmers and agricultural businesses that want to borrow over £25,000. The mortgage is secured on your land or premises.

An agricultural mortgage can be used for

Buying land 

Releasing equity to support farming activities

Buying, extending or renovating owner-occupied premises

Key features and benefits

Our agricultural mortgage offers flexible, competitive finance to farmers and growers.

Borrow over a longer time 

Choose your mortgage term over a period of 1 to 25 years and make repayments to suit your business cashflow – monthly, quarterly or annually.

Flexible terms available 

Choose either fixed or variable rates with the option to switch your selection during the mortgage term. Fixed interest rates available from 1 to 10 years.

Capital repayment holiday

Choose to take a capital repayment holiday (subject to status and application2). During this time you’ll only need to pay the interest. 


Dedicated support from our team of Agriculture Relationship Managers – experts in lending to farmers and agricultural businesses. 

Any property used as security, which may include your home, may be repossessed if you do not keep up repayments on your mortgage. Agricultural mortgages are subject to application and status. 

Is this right for you?

Eligible businesses

To find out whether you’re eligible for an agricultural mortgage, you’ll need to provide

Three years’ full audited or certified accounts plus current management figures (if produced)

Two months’ bank statements

Assets and liabilities statement 


Prepayment fees may apply if you repay all or part of your mortgage before the end of the agreed term

For fixed-rate mortgages, if you decide to pay early or cancel the fixed interest rate, you may have to pay breakage costs in addition to other fees, such as repayment fees

You might also be interested in

Agricultural finance

Helping you finance your farming business.

A range of products, services and sector expertise 

Dedicated support from our agricultural managers

Explore all agricultural borrowing options

Mortgages for commercial properties

Whether you need to buy a new building or release equity from your existing one, a commercial mortgage could be the answer3.

Borrow from £25,000

Buy new premises or release equity from current buildings

Fixed and variable deals from 1 to 25 years 

Loans for large purchases or investments

Unsecured borrowing that helps businesses spread the cost of a purchase over a set period4

Borrow up to £100,000 online

Fixed or variable rates

Monthly repayments from 1 to 5 years 

All business borrowing

We can help you get off the ground or expand 

Explore all our borrowing options 

Higher loans4 and overdrafts5 might be available if you call6 0333 202 7431 

Other funding options

Compare our business borrowing with borrowing offered by other lenders7. You can find out more about the government’s Bank Referral Scheme [PDF, 1.4MB], including eligibility information.

Funding Options

Its award-winning technology searches the market to find the right funding for your business’ situation. It’s quick, easy to use, and their team’s on hand if you need help.

Alternative Business Funding

It offers a free and easy way to find different funding options, focusing on making things simple for business owners who don’t have much time on their hands.

Funding Xchange

It shows you competing offers from lenders, to make sure you see the best terms. You’ll see quotes from up to 45 lenders, in a simple format, so you can easily compare and choose the offer that’s best for your business.


It shows you the broad range of funding options that are available to businesses across the UK and Ireland. After assessing your needs, it matches you with the right solution from over 1000 providers.

Contact us

Why not have us call you back?

If you want to apply or find out more about this finance option, you can request a callback from one of our Business Relationship Managers.

Already bank with us?

For help and support, or to talk about other products and services we offer, call us on

0800 027 13218.