Mortgage guide
Can I get a farm bridging loan with property restrictions?
Agricultural Ties: properties with agricultural ties require that the occupants be employed in agriculture. This can limit the pool of potential buyers and complicate financing.
- Published
- 30 Mar 2026
- Last reviewed
- 11 Sep 2026
- Reading time
- 2 min
Can I get a farm bridging loan with property restrictions?
There are many farm bridging loan options allowing for agricultural properties with title restrictions common restrictions on farms that we provide bridging loan solutions for include:
Agricultural Ties: properties with agricultural ties require that the occupants be employed in agriculture. This can limit the pool of potential buyers and complicate financing.
Easements and rights of way: can affect property value and usability, impacting loan approval.
Lender Preferences: some lenders are reluctant to finance rural properties due to perceived location risks, market volatility, maintenance costs, and limited resale potential. Mortgage Lane is connected with bridging lenders that understand the nuances of rural properties and offer more flexible financing options.
Bridging calculator
Bridging Loan Criteria
These wider product criteria provide context for this guide. The lender will assess your individual case.
| Criteria | Detail |
|---|---|
| Borrowers | Personal, limited company (Ltd co), LLP and offshore trusts, depending on the lender |
| Repayment type | Interest only or repayment |
| Term | Short term. The maximum term varies by lender; in our experience the minimum term is usually 1 month, and 3 months with some lenders |
| Experience | Not always required; it depends on the lender and the exit |
| Max applicants | Varies by lender |
| Valuation types | Automated valuation (AVM), Market Value 1 (MV1) yield based, market value (MV), 180-day or 90-day value, depending on the lender and how it labels the valuation basis |
| Regulated and unregulated | Yes, both: regulated where the borrower or a close family member lives, or will live, in the property |
| Credit searched | Usually, depending on the lender |
| Credit scored | Varies by lender; the decision rests mainly on the property and the exit |
Published indicative terms for the wider product category are shown for context. They are not a quote for the specific circumstances discussed in this guide.
| Loan to value | Rate |
|---|---|
| 65% LTV | 0.62% per month (2% lender fee) |
| 75% LTV | 0.72% per month (2% lender fee) |
| 85% LTV | 0.9% per month (2% lender fee) |
Related case studies
Read more about Holiday Let Title SplitHoliday Let Title Split
Discover how we helped split the title of a holiday let to maximise investment returns. Read the full mortgage case study and our tailored approach.
Frequently asked questions
Can I get a bridging loan for a Grade I or Grade II listed farm property?
Yes. Farm bridging is available on Grade I and Grade II listed properties, although alterations during a renovation may require listed building consent.
Can I get a bridging loan on a farm with an agricultural tie?
Yes. Specialist farm bridging lenders lend against properties with agricultural ties, easements and other title restrictions that some mainstream lenders avoid.
What loan-to-value is available on a farm bridging loan?
On the cases we arrange, residential farm bridging can run up to 80% loan-to-value and commercial farm bridging up to 75%. The property's use, the valuation and the lender's criteria set where a specific case lands.
What is a bridging loan for a farm?
A bridging loan for a farm is short-term finance used to purchase, renovate or refinance a farm property, repaid by a defined exit such as a sale or a longer-term mortgage.
Are solar farms eligible for bridging loans?
Yes. Solar farms can be financed with bridging, provided the asset meets the lender's criteria.
Talk it through with an adviser
Speak to a Mortgage Lane adviser about your circumstances and the next steps.
Let’s talk property finance
Contact us
Tell us about your plans and a Mortgage Lane adviser will get in touch.
- Call our team
- +44 333 231 8206
- Email us
- enquiries@mortgagelane.com
- +44 7487 829005
- Opening hours
- Monday to Saturday, 8.30am–5.30pm
Closed Sunday
Your enquiry goes to our team, who will get in touch to discuss your next steps.