Many of our clients in the agricultural and farming communities have told us how difficult it is to obtain mortgage facilities from the main High Street lenders. With farming businesses coming under increasing bank pressure to reduce overdrafts, it makes sense to look at the cost of your present mortgage arrangements and ask if we can help reduce those payments to ease the cashflow burdens on even the most profitable business.
We understand the farming industry
Plus the special conditions that apply so we’re more than happy to help and able to place an appropriate mortgage package thanks to our years of experience and contacts with a wide selection of lenders. Traditionally banks have been reluctant to lend to the agricultural and related industries as each client’s situation is unique and doesn’t fit well with automated processes.
We have access to lenders who understand the farming sector
On a large modern farm, income may come from many sources and be difficult to categorise. We can help. We understand that there may be restrictive covenants on land or buildings. We can help. We understand that there might be split titles between the land and the farmhouse. We can help. There may be some adverse credit information, we know that all businesses have lean times and can pick up a CCJ or default or two after a bad period – remember, we consider all circumstances and take pride in being able to help no matter how complex the situation.