Agricultural Re-Finance

Refinancing is often how an agricultural business funds its next move, whether that’s buying more land or restructuring the borrowing it already has. The legal side runs deeper than a standard remortgage, largely because farmland tends to carry history a lender will want dealt with before it commits.

Before a lender advances against the land, it will want it properly checked. We run the searches that surface anything affecting value or use, rights of way or restrictions on the title among them, and report to you and the lender. We review the title for anything in the deeds that could hold the deal up.

Where land has sat within the business or a partnership for years, it may never have been registered, and refinancing is often what brings that to a head. A first registration then becomes part of the transaction, and we deal with it alongside the rest so the lender’s conditions are satisfied.

Agricultural holdings frequently involve more than one owner, a partnership or a family trust, which adds complexity to any refinance. We’ll keep every interest properly accounted for and keep the transaction moving.

Refinancing can also have a bearing on reliefs and tax, including Agricultural Property Relief and inheritance tax planning. Where it does, we’ll set out the implications early so there are no surprises down the line.

Refinancing farmland is rarely a simple remortgage, and it’s better handled as the transaction it actually is.