How to apply
To find out more, or if you want to apply for an agricultural mortgage, speak to your local Agricultural Manager.
This is a flexible mortgage where you choose the term and the type of interest rate. You can borrow up to 80% of the value of farm buildings or land. Lending fees and associated borrowing costs apply and you can add these to the loan.
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.
You can choose to take an interest-only period (subject to status and application)2. During this time only the interest will be payable.
Whatever you choose, you’ll be able to change your selection during the mortgage term. The fixed interest rates are available from 1 to 10 years.
Choose your mortgage loan term over a period of 1 to 25 years and make repayments to suit your business cashflow – monthly, quarterly or annually.
To find out whether you’re eligible for an agricultural mortgage, we’ll need the following from you:
Prepayment fees may apply if you repay all or part of your mortgage before the expiry 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 cost in addition to other fees, such as prepayment fees
Flexible options for short-term finance
Apply for an agricultural overdraft to help you manage changes to your cashflow.
Plan ahead without the worries of cashflow
The unpredictability of agricultural life makes it hard to avoid the ups and downs of business cashflow. Our agricultural input finance could ease any cashflow challenges by providing a temporary cash injection of up to £500,000, just when you need it.
Develop your business
Thinking about developing an alternative income stream but not sure how to get it off the ground? Talk to us to see how we could help bring your ideas to life with our flexible project loan, especially for agricultural businesses, with repayments structured to match your future cashflow.