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Farm Properties Equity Release and Lifetime Mortgages

farms-and-farmers farm mortgage
  • Release-tax free equity from your farm
  • You don’t need to make monthly payments
  • Farms/smallholdings
  • Over 10 acres of land
  • Small-scale hobby farming
  • Agricultural tie or restriction
  • Help a family member buy a home they couldn’t afford otherwise.
  • Still have a mortgage? We can help with that.
  • Continue to stay in your house

How much cash can I release?

You can achieve 65% of your property’s value. For example, if your house is worth £180000, you can release £117000.

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  • Please enter a number from 50000 to 10000000.
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Customer Reviews

agricultural mortgages

Ms T from Hammersmith

My husband recently died leaving me with a mortgage I could not afford to pay. The lifetime mortgage allowed me to pay off the mortgage and have enough money left over for a new bathroom, kitchen, and roof repair.

agricultural mortgage lenders

Mrs L from Nottingham

I had to pay a valuation and solicitor fees, but no lender or broker fees for my lifetime mortgage. As I was divorcing my husband of 30 years the money went to him for his share of the house. I am happy now as I am secure, and I do not need to move from my home.

agricultural mortgage rates

Ms G from Dover

I divorced my husband who was a violent alcoholic. I really feared losing my home as I sometimes look after my daughter’s children. Equity release enabled me to pay off my ex and stay secure in my home.

farm mortgage

Mr Williamson from Chiswick

My son is a chef in a care home. He is not well paid. No way his bank would lend him the money to buy a flat. My equity release enabled him to put a substantial deposit down so his mortgage was very small. My equity release interest rate was close to his interest rate offered by his bank.

agricultural mortgage

Sophie G from Aberdeen

The financial advisor I’ve had for 25 years said I could save inheritance tax by getting £350,000 of equity release. The money was lent at a very low-interest rate close to 2% and competitive with normal mortgages you would get by proving income. I have saved a lot of tax.

agricultural mortgages

Mrs Shaw from Lancaster

I had an interest-only mortgage with Birmingham Midshires. The mortgage had come to the end of its term and they wanted the £127000 back I still owed them. My lifetime mortgage saved me from losing my home and the rate was close to what I paid before.

mr-g farm mortgages

Mr G from Kent

I got an interest-only lifetime mortgage and gave my sons £100,000 each so they could put a deposit down on a home. My money made it possible for them to get a very good mortgage deal, especially one son who is not well paid.

farm buildings registered office

Mrs E from London

My mortgage needed to be repaid to the existing lender. I thought I was going to lose my house. Thanks to Concise I got equity release to pay off my mortgage.

business plan

Mrs M from Birmingham

With no broker and no lender fees, I got an interest-only retirement mortgage, which I pay monthly from my private pension. The money released went to my daughter for her wedding and a deposit for her next house. She wanted a family, and her flat was too small.

julia-a high street

Julia A

My mother has dementia. With my solicitor and my power of attorney, I got equity release on my mother’s house to pay for specialist modifications for her comfort.

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London House Finance
Under 65 Home owner repayments on your mortgage

Aviva Equity Release

Canada Life Equity Release

Crown Lifetime Mortgages

Pure Retirement Lifetime Mortgages

Does Marsden Building Society have positive reviews for equity release?

Yes, Marsden Building Society reviews are splendid for equity release.

Just Lifetime Mortgages

LV Drawdown Lifetime Mortgages

One Family Mortgages

The mortgage lender will want to know if the property is a Freehold terraced or Leasehold house and if the resident is an owner-occupier.

Areas in the UK where retirement mortgages are common

  • Tenterden
  • Ormskirk
  • Gillingham
  • Dartford
  • Dunstable
  • Chipping Campden
  • Fordwich
  • Blackwater and Hawley
  • Fowey
  • Chorleywood
  • Redenhall with Harleston
  • Brighouse
  • St Austell
  • New Romney
  • Bradley Stoke
  • Dagenham
  • Exmouth
Nationwide Lifetime Mortgage Broker home may be repossessed

Challenging to finance property titles can include properties will be assessed for flood risk, high service charges – properties where the Service Charge per annum at the time of application is more than 2% of the property value, derelict property or where part of the building is in severe disrepair and needs demolishing, asbestos construction and concrete frame.

  • experienced agricultural surveyor Bridgewater Equity Release Plans equity release loan
  • best agricultural mortgage rates Aviva Flexible Voluntary Repayment Plan for agricultural businesses
  • projected income Bridgewater Equity Release Schemes with roll-up loan repayments farming business
  • farm business Just Retirement Equity Release with rates similar to a traditional mortgage
  • farm shop Saga Equity Release Plans regulated by the prudential regulation authority
  • existing business Age Partnership Equity Release for agricultural property regulated by the financial conduct authority
  • existing farm properties Aviva Lifetime Mortgages for Pensioners with agricultural properties
  • financial conduct authority Lloyds Bank Equity Release Plans for agricultural land existing loans
  • associated land Saga Equity Release Schemes with no monthly repayments residential mortgage
  • agricultural mortgage company Canada Life Lifestyle Gold Flexi with agricultural ties
  • commercial mortgages More to Life Flexi Choice Drawdown Lite Plan with farm-associated buildings
  • business cash flow Interest Only Lifetime Mortgage agricultural mortgage work
  • agricultural sector TSB Equity Release agricultural finance
  • Commercial mortgage More 2 Life Tailored Choice Plan equity release lenders

What are Marsden Building Society interest rates for equity release?

Marsden Building Society interest rates for equity release are 2.1% MER.

Tough-to-mortgage property variants can include properties with outbuildings used for normal domestic purposes (garage, workshop, stables, barn etc), properties with a large number/scale of outbuildings, properties with more than one annexe or self-contained part of the property, properties using rooms, land or outbuildings for business purposes which are not personal to the borrower(s) or which extend to more than 50% of the property to be secured and properties where Japanese Knotweed is present.

more 2 life lifetime mortgage high street banks

Difficult-to-finance home types include Timber-framed properties constructed post-1965, timber framed properties built between 1920 and 1965, studio flats located within the M25, coach houses i.e. freehold properties with garages beneath and basement or lower ground floor flats without level access to private or communal garden space.

Aviva lifetime mortgage farming industry

Hard-to-finance property types can include poorly maintained at the time of the valuation inspection, properties where tenants live in a self-contained part of the property, freehold houses and bungalows (England, Wales, Northern Ireland), properties which are made up of multiple titles and freehold flats (England, Wales, Northern Ireland).

More to life - Tailored Choice Plan mortgage term credit history

Popular LTV percentages of Standard Chartered over 60 lifetime mortgages no fees, Shepherds Friendly interest only mortgages for people over 70, Sainsburys lifetime mortgages for people over 55, Principality Building Society later life mortgages for over 60s, Newcastle Building Society later life interest only mortgages over 75 and National Counties Building Society lifetime mortgages for over 55s are 40%, 55% and 70%.

Pure Retirement - Classic Super Lite Plan bank statements

Pitfalls of Home Reversion Plans

A lifetime mortgage with a flexible drawdown cash release can reduce the inheritance for your family. A monthly payment lifetime mortgage may impact the ability to claim entitlements. You may need to pay a solicitor’s fee and could be exposed to changes in interest rates with some products.

How much is it common to release from a home

  • 60% lumpsum lifetime mortgages LV Liverpool Victoria
  • 60% LTV lumpsum lifetime mortgages Legal and General
  • 40% loan to value monthly payment equity release Pepper
  • 40% loan to value monthly payment equity release LV lifetime mortgage
  • 30% loan to-value (LTV) lifetime mortgage with flexible drawdown cash release Prestige
Nationwide Lifetime Mortgage No Payments mortgage application

Do Marsden Building Society do Equity Release?

Yes, Marsden Building Society Equity Release is 1.82% MER.

Equity Release Under 55

Examples of retired business owners likely to have equity to release – lending criteria

  • Residential care activities for the elderly and disabled Oakengates
  • Private security activities Kirton-in-Lindsey
  • Logging Frodsham
  • Other building and industrial cleaning activities in Ilkeston
  • Retail sale of computers, peripheral units and software in specialised stores Carnforth
  • Manufacture of oils and fats Dunstable
  • Other research and experimental development on natural sciences and engineering Bradley Stoke
  • Post-harvest crop activities farming enterprise Coulsdon
  • Other software publishing Burford
  • Activities of other membership organizations n e c Barnoldswick
  • Marine fishing Dalton Town with Newton
  • Manufacture of ceramic insulators and insulating fittings Burnley
  • Manufacture of woven or tufted carpets and rugs Great Torrington
  • Manufacture of other machine tools Crosby
  • Repair and maintenance of ships and boats in New Romney
  • Non-scheduled passenger air transport Leigh
  • Manufacture of farm building and related articles Elland
  • Other specialised construction activities n e c Leek

Does Marsden Building Society offer Pensioner Mortgages?

Yes, Marsden Building Society Pensioner Mortgages are 1.83% APRC.

Typical loan to values of LVE interest only mortgages for over 65 year olds, More to life over 60 lifetime mortgages no fees, One Family over 60 lifetime mortgages no fees, YBS later life mortgages for over 60s, Metro Bank lifetime mortgages for over 55s and Axa equity release schemes for people over 70 are 50%, 60% and 65%.

It’s very common to encounter individuals looking for lump sum lifetime mortgages, monthly payment lifetime mortgages or home reversion plans; however, Sunlife Plans like Maximum cover Equity Release are keen to see proof of your personal situation in the form of investment statements.

Do Marsden Building Society do Retirement Mortgages?

Yes, Marsden Building Society Retirement Mortgages are 2.14% APR.

UK Equity Release Scheme Providers mortgage application process

  • More to life
  • Crown
  • Aviva
  • Pure Retirement
  • LV Liverpool Victoria

Some of the most common loan to value percentage ratios of TSB interest only retirement mortgages for over 70s, Barclays later life interest only mortgages over 75, Halifax mortgages for people 60 plus, L&G retirement mortgages over 70, RBS mortgages for pensioners over 60 and Nationwide Building Society interest only lifetime mortgages for over 60s are 45%, 55% and 65%.

Does Marsden Building Society do Equity Release Under 55?

Yes, Marsden Building Society Equity Release Under 55 is 1.94% APRC.

Equity Release percentages of your current property value

The more aged you are and the more serious your illnesses you are the more tax free cash you can release.

Agricultural tie or restriction•Over 10 acres of land•Farms/smallholdings

Properties with more than 10 acres of land • Small scale hobby farming

Properties with up to 10 acres of land without large outbuildings or equestrian facilities

Some of the most popular retirement loan offerings include Lloyds Bank equity release schemes, Barclays Bank mortgages for over 65, Post Office later life mortgages, Legal & General RIO mortgages and Nationwide BS later life mortgages.

Does Marsden Building Society do Lifetime Mortgages?

Yes, Marsden Building Society does lifetime mortgages at 2.24% APR. Marsden Building Society Lifetime Mortgages have an LTV of 55%.

Interest-Only Lifetime Mortgage Over 60 and RIO Mortgages Over 70: Exploring Land and Agricultural Mortgages in the UK

In the beautiful landscape of the UK, one may find vast expanses of agricultural land. Whether used for farming or as a smallholding, this land often holds more than just economic value—it represents heritage, hard work, and a connection to the Earth. For many, the dream is to acquire or maintain such lands, a goal which typically requires some form of financing. This is where agricultural and land mortgages come into play. For older citizens, especially those over 60 or 70, understanding the intricacies of mortgages like interest-only lifetime mortgages and RIO mortgages becomes crucial, especially when considering farm mortgages or mortgage agricultural land.

Agricultural and Land Mortgages: An Overview

Mortgages are not limited to residential properties. A variety of mortgages exist specifically tailored for land and agricultural purposes. From mortgage for agricultural land and smallholding mortgages to mortgage on agricultural land, these financial products cater to those who wish to invest in or leverage the value of land.

  1. Agricultural Mortgages: These cater specifically to farms and agricultural activities. Agricultural mortgages and farming mortgages are designed with the understanding of the seasonal nature of farming incomes.
  2. Land Mortgages: Whether it’s for purchasing a piece of land for development or maintaining a plot, land mortgages like land purchase mortgage, mortgage on land, and mortgages to buy land are available. This includes mortgages for land purchases, for those considering buying expanses for future use or investment.
  3. Smallholding Mortgages: Different from vast farming operations, a smallholding represents a smaller plot of agricultural land, potentially with some residential property. For these properties, the likes of smallholding mortgage and small holding mortgage can be considered.

Understanding the Limitations and Opportunities with Land

Not all lands are the same, and their usage rules can vary. Before diving into the types of mortgages, understanding the kind of land you’re dealing with is essential:

  • Pasture Land: One might wonder, “Can you build on pasture land or can you build on pasture land UK?” Typically, pasture lands are meant for grazing, and any development might require permissions.
  • Agricultural Land: The queries like “What can you do with agricultural land UK or what can you do on agricultural land?” often arise. This type of land is primarily used for farming, and while certain non-agricultural activities might be permissible, it usually requires planning permissions.
  • Agricultural Ties: A property might come with an agriculture tie or farm tie, meaning its occupancy is limited to those involved in farming or forestry.
  • Land with Potential for Development: Sometimes, buying land from a farmer or acquiring agricultural property might provide opportunities for future development. However, this usually necessitates a change in land use and requisite permissions.

Financing Land and Agricultural Ventures

Several financial products cater specifically to land or agricultural ventures:

  1. Loans and Mortgages for Land: From mortgage for buying land, mortgage to purchase land, mortgages for buying land, to buying land mortgage, there are several options to consider. Whether it’s mortgage for land UK, land loan UK, land mortgage UK, or simply seeking land financing, UK institutions offer a broad range.
  2. Agriculture-Based Loans: This can be categorized as agriculture loans, farming loans, and even specific products like loan for agriculture. Institutions like the Agricultural Mortgage Corporation specialize in such offerings.
  3. Smallholdings: These require specialized mortgages, often dubbed as smallholding mortgages. They cater to the unique needs of smaller plots of land that may serve dual purposes – residential and farming.
  4. Halifax Offerings: As one of the UK’s prominent banks, Halifax provides various products from halifax agricultural show benefits, halifax home improvement loan, halifax home improvement loans, and even specialized products like halifax renovation mortgage and halifax commercial mortgage.

Brokers and Insurance in the Agricultural Landscape

Navigating the world of agricultural mortgages can be complex. Employing the services of an agricultural mortgage broker can streamline the process. They understand the intricacies of rural mortgages, mortgage land, and land mortgages.

Moreover, safeguarding one’s agricultural investments is paramount. Options like NFU land insurance can be explored to provide coverage against various risks associated with land ownership.

Ties, Restrictions, and More

Some agricultural properties come with specific restrictions, known as agricultural ties or agriculture ties. These agricultural-tied properties require that the dwellers work, in some capacity, in agriculture. Such ties can impact mortgage eligibility and should be thoroughly investigated.

Halifax and its Array of Offerings

Halifax, one of the UK’s leading financial institutions, offers many products tailored for land and agricultural needs. Whether it’s the commercial mortgage halifax for larger agricultural enterprises, the business loans halifax for supporting farm-based ventures, or specific products geared towards land, such as land loans uk and mortgages on land, Halifax stands as a robust choice for many.

Non-Standard Property Home Index

Agriculture and Land in the Modern Age

The modern age has seen a resurgence in the value of land, be it for sustainable farming, eco-tourism, or as a safeguard against urban sprawl. With this resurgence comes the necessity to understand and access financial tools, especially for older generations. Whether it’s the over-60 group looking into interest-only lifetime mortgages or those over 70 considering RIO mortgages, the landscape (pun intended) of land and agricultural financing is vast and varied.

For those who dream of owning a slice of the UK’s green expanses, be it a farm, a smallholding, or a piece of agricultural land waiting to be transformed, understanding your mortgage and loan options is the first step. As the fields of the UK sway in

the wind, they don’t just represent a piece of the Earth but dreams, legacies, and futures waiting to be sown and reaped. Whether you’re an old hand at farming looking to expand with a farm banking approach, a retiree with dreams of a small holding, or a young enthusiast hoping to delve into sustainable farming, the doors (or in this case, farm gates) are open. The key is to find the right financial path to walk (or plow) through.