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 farmers buy farmland, farm buildings or improve existing farm infrastructure1.

Key features and benefits

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.


Capital repayment holiday

You can choose to take an interest-only period (subject to status and application)2. During this time only the interest will be payable.

Choose a variable or fixed rate

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. 

Flexible repayment

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:

  • 3 full years' audited or certified accounts plus current management figures (if produced)
  • 2 months' bank statements
  • Assets and liabilities statement

What you need to know

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

How to apply

How to apply

To find out more, or if you want to apply for an agricultural mortgage, speak to your local Agricultural Manager.

Don't bank with us yet?

Call us on 0800 515 462. Lines are open Monday to Friday, 8am to 7pm3.

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