Rural Mortgages.

Funding Solutions offers expert and independent solutions to clients in the rural / agricultural sector. We understand the rural community and our foremost concern is to get the very best deal for the client that the market can offer.This sector comprises of a wide spectrum of opportunities and we are generally able to assist with the following typical deals:

Country Homes

• Up to 85% LTV of the lower of purchase price or market value based on professional valuation.
• For rural property with land, buildings and agricultural ties / restrictions.
• Barn conversions, self-builds and renovation.
• Tailor made services for the rural buyer where many country home purchases do not fit standard residential mortgage criteria.

Farms & Estates

• 70% LTV based on specialised 'panel' land agent valuation.
• Working farms / part time farmers / lifestyle requests are all considered.
• Income considered from farm / off farm and all available sources.

Restructuring & Refinancing

• Up to 75% LTV secured on rural property or land.
• Available for consolidation exercises, equity release or simply wishing to benefit from more competitive rates.

Farm Diversification.Farm shops, holiday lets, leisure and recreational projects.

• All types of projects considered.
• Up to 70% LTV based on professional valuation from specialised 'panel' valuer.

Residential Buy to Lets in the Countryside

• 70% of the lower of the purchase price or market value based on a professional valuation.
• Tenancy to be formalised by an Assured Shorthold Tenancy Agreement
• Rental income should be 130% of loan repayment.

• 70% LTV of the lower of the purchase price or the market or value based on a professional valuation.
• Livery, specialised yards, riding schools, racing stables, farm diversification.

• Including office accommodation, storage, light industrial etc.
• 70% LTV of the lower of purchase price or market value based on professional valuation.
• A formal commercial lease should cover the term of the loan.
• Rental income should be 130% of loan repayment.

In certain scenarios our lenders may consider support outside of the guidelines shown above, as each application is assessed on an individual basis. Loan serviceability is always the priority in assessing the viability of the proposal.

Many rural mortgages are not FSA "regulated mortgage contracts" and as such will not benefit from the regulated standards and safeguards provided by the FSA.

To commence your application either call us on freephone 0800-5285227 or
alternatively submit your enquiry using our enquiry form, providing as much information as possible about your transaction.

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

Site Terms of Business & Data Protection Statement

Funding Solutions is a trading name of T & A Labuschagne Partnership and has its registered office at PO Box 418, 14A Bar Street, Scarborough , North Yorkshire, YO11 9AW.
T & A Labuschagne Partnership is authorised and regulated by the Financial Services Authority (FSA, registration number 302248). The FSA does not regulate personal loans or non-regulated mortgage contracts. Some Buy to Let mortgages are regulated by the Consumer Credit Act (CCA).
Calls to Funding Solutions may be recorded for training and monitoring purposes. Loans subject to status, type and value of property. Insurance may be required. Minimum age 18. This site is only directed at persons within the United Kingdom.