Agriculture lending

By tailoring our Farm Capital Loan to your exact requirements, we’ll help provide the funds you need. You can obtain finance for any legitimate business purpose, including:

• Equity release - raising capital from your existing property
• Direct farm investment - such as an investment in capital equipment or purchase of more land to expand operations
• Diversification - if you're looking to branch out into new areas such as holiday rentals, a farm shop or bio-fuels
• Simplifying your borrowing - consolidating any outstanding borrowing into one, affordable loan.

Our Farm Capital Loan could offer you:

• Flexible repayment terms - borrow up to 80% of the value of your farm for a maximum of 25 years. Or up to 70% for a maximum of 30 years
• Repayment holidays - of up to 5 years to help ease your cash flow. Interest will continue to accrue during the payment holiday and your monthly payments may increase afterwards
• Interest only loans - choose an interest-only loan and borrow up to 70% of the value of your farm over a term of up to 15 years. Interest-only mortgages allow you to pay off only the interest on your loan, not the money you borrowed in the first place. In order to repay the capital borrowed, you need to ensure you save money in a separate plan.

To learn more about our NatWest Farm Capital Loan and other agricultural borrowing options, talk to one of our Agricultural Managers.

Develop agricultural land and buildings with the help of a NatWest agricultural mortgage.

Repayment terms and interest options

Like a regular residential or commercial mortgage, our agricultural mortgages offer you a choice of repayment types:

• Variable rate loans - where interest rates change in line with changes in base rates
• Fixed-rate loans - with fixed repayments to help you budget
• Repayment holidays - that let you take a short-term break from making repayments. Please note that interest will continue to accrue during a payment holiday and your monthly payments may increase afterwards

100% mortgages for sitting tenants
If you’re a sitting tenant, or if you want to buy property with a sitting tenant, we offer up to 100% of the purchase price of your farm for terms of up to 25 years.

Need to borrow money for another purpose?
If you need funds for any legitimate purpose connected with your business, including equity release and diversification, take a look at our Farm Capital Loan.

Finance livestock, machinery and improvements with our farm loan. You could borrow up to £25,000 and select from a choice of repayment options:

• Variable rate loans - where interest rates change in line with changes in base rates
• Fixed-rate loans - with fixed repayments to help you budget
• Low start loans - where your payments start at a lower level and increase later
• Interest only loans - where you only pay interest for up to 15 years – interest-only loans allow you to pay off only the interest on your loan, not the money you borrowed in the first place. In order to repay the capital borrowed, you need to ensure you save money in a separate plan.
• Repayment holidays - where you take a short-term break from making repayments. Please note that interest will continue to accrue during a payment holiday, and your monthly payments may increase afterwards.

Asset finance
If you’re considering leasing agricultural equipment or machinery, talk to us. With the help of Lombard, one of the UK’s leading asset finance companies, we can help you finance your agricultural equipment – improving your cash flow right away.

Thinking about buying land or property?
If you want to buy or develop agricultural land or buildings, or pay back other loans, our agricultural mortgage could be just what you need.

FAF - Farming and Agricultural Finance

FAF was established in 1977 and is a specialist provider of finance for agricultural and rural businesses. FAF has been a subsidiary of NatWest since 1999.

FAF provides funding for a range of commercial and semi-commercial purposes related to agriculture and rural businesses, including:

• Farms estates and land
• Caravan and camping sites
• Equestrian centres
• Rural commercial and retail properties
• Rural residential developments and country homes

Contact FAF
For more information on the products and services offered by FAF, contact us on 0800 225567.