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 you buy farmland, farm buildings or improve your farm infrastructure¹.

What is an agricultural mortgage?

An agricultural mortgage is a type of loan designed for farmers and agricultural businesses that want to borrow over £25,000. The mortgage is secured on your land or premises.

An agricultural mortgage can be used for

Buying land

Releasing equity to support farming activities

Buying, extending or renovating owner-occupied premises

Key features and benefits

Our agricultural mortgage offers flexible, competitive finance to farmers and growers.

Borrow over a longer time

Choose your mortgage term over a period of 1 to 25 years and make repayments to suit your business cashflow – monthly, quarterly or annually.

Flexible terms available

Choose either fixed or variable rates with the option to switch your selection during the mortgage term. Fixed interest rates available from 1 to 10 years.

Capital repayment holiday

Choose to take a capital repayment holiday (subject to status and application²). During this time you’ll only need to pay the interest.

Support

Dedicated support from our team of Agriculture Relationship Managers – experts in lending to farmers and agricultural businesses.

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.

Is this right for you?

Eligible businesses

To find out whether you’re eligible for an agricultural mortgage, you’ll need to provide

Three years’ full audited or certified accounts plus current management figures (if produced)

Two months’ bank statements

Assets and liabilities statement

Fees

Prepayment fees may apply if you repay all or part of your mortgage before the end 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 costs in addition to other fees, such as repayment fees

Green agricultural mortgage

Our loan could help you fund eligible green assets for your farm or agricultural business.

Investing in green assets could help you prepare your business for a lower-carbon future. Depending on which asset you choose, it could also help support energy efficiency, reduce emissions or make cost savings.

Borrow from £25,001 and get a discounted interest rate on certain assets³

Subject to eligibility, other product features apply as standard. This loan can’t be used to purchase or refinance energy efficient buildings.

Read the factsheet [PDF, 214KB]
What you could buy or refinance
You can only take out this loan for your business if the money is used towards eligible green assets, like:

Solar panels

Wind turbines

Battery storage⁴

Soil remediation technologies

Drip irrigation and smart irrigation

Variable rate seeding technology.

Find more information and the full list of eligible green assets on our Eligible Green Asset Guide [PDF, 6.9MB].

Subject to eligibility, other product features apply as standard.
Ready to apply?

Contact us to discuss your needs, and if you’re eligible³, we’ll process your application.

You may need to provide evidence of the eligible green assets you’re planning to buy or refinance, and any associated costs.

Get in touch

Other funding options

Compare our business borrowing with borrowing offered by other lenders⁹. You can find out more about the government’s Bank Referral Scheme [PDF, 1.4MB], including eligibility information.

Contact us

I have a Barclays business account

If you already bank with us, you can now start an application digitally at any time and place that’s convenient for you. Log in to our app or Online Banking and go to ‘Products and Services’. Answer a few questions and we’ll generate a list for you to consider. If you don’t have the app or Online Banking or would prefer to speak to us, call us¹⁰ on 0800 027 1321 for help and support.

Why not have us call you back?

If you want to apply or find out more about this finance option, you can request a callback from one of our Business Relationship Managers.

Request a callback

Agricultural mortgage

What is an agricultural mortgage?