Mortgage guide
Equestrian Mortgages
Equestrian mortgages can support land purchases, properties with equestrian use and horse-related businesses. Read about the finance options for these different uses.
- Published
- 4 Aug 2026
- Last reviewed
- 4 Aug 2026
- Reading time
- 3 min
Equestrian Mortgages
We’re experts in the equestrian sector, offering tailored financial solutions through equestrian mortgages and commercial mortgages designed for a wide range of horse-related ventures. Whether you’re purchasing land, acquiring properties with equestrian use, or launching a land-based business, our experienced commercial mortgage loan broker team is here to support you at every step.
Our in-depth knowledge spans across all types of equestrian establishments, from livery yards and competition centres to more specialist facilities like polo clubs, racing stables, and training centres. We also help clients looking to develop cross-country courses, open riding schools, or start breeding studs, offering access to commercial mortgage solutions that are built around the unique requirements of the equestrian world.
Beyond new acquisitions, we also support clients with refinancing, debt consolidation, buy-outs during partnership changes, or expanding and upgrading their facilities. Whether you’re building a residential unit on-site, need funding for infrastructure improvements, or require bridging finance, we provide the expertise to navigate every phase of your equestrian venture with confidence.
Affordability & Lending Potential
The commercial mortgage rates and loan terms available to you are driven largely by the strength and consistency of your business financials. Most lenders will request one to three years of accounts and assess affordability using EBITDA, focusing on the business’s ability to service debt rather than relying on simple income multiples.
Borrowing capacity is determined by a debt service coverage test, with lenders typically requiring EBITDA to cover annual mortgage repayments by around 1.25× to 2.0× once interest rates are stress-tested. The final loan offered is always capped by the lower of affordability or loan-to-value.
Well-prepared, clearly presented accounts, whether for an existing business or one you are acquiring, can significantly improve lender appetite, pricing, and available structures. As a whole-of-market commercial mortgage broker, we provide independent guidance and compare options across high-street and specialist lenders to secure sustainable, competitive funding.
If you’re ready to compare commercial mortgages tailored for equestrian use, Mortgage Lane is your trusted commercial mortgage loan broker. We’ll guide you through the application process, source competitive rates, and structure your funding to help you maximise long-term growth in this specialist sector.
Commercial mortgage calculator
Choose owner occupier for a business buying or refinancing premises it trades from, assessed on adjusted net profit before tax from the latest accounts, or investment for property let to tenants, assessed on lease income.
Commercial mortgage criteria
For context, these are the wider product terms covered by this guide. Availability and eligibility depend on your circumstances and the lender.
| Criteria | Detail |
|---|---|
| Max Loan to Value (LTV) | 80% LTV Care Home Mortgages, 100% LTV Medical Commercial Mortgages, 75% Commercial Investment |
| Max Term | Up to 40 years |
| Completions | From 4 weeks |
| Repayment options | Capital repayment and Interest only |
| Commercial mortgage rates | From 6.19% |
| Rate options | Variable, Base Rate Tracker, 2, 3 or 5 year fixed mortgage options |
| Valuation methods | Going concern/Investment (Market value 1, MV1), MV2, MV3 or bricks and mortar |
| Flexible Leases | Rolling leases, weak covenants and short time remaining accepted |
| Adverse credit | Accepted on some products on a case by case basis |
| Locations | Available in England, Scotland, Wales and Northern Ireland |
| Experience | Not required on certain products |
For context, these are the wider product terms covered by this guide. Availability and eligibility depend on your circumstances and the lender.
| Feature | Detail |
|---|---|
| Max Loan to Value (LTV) | 65% |
| Product fee | 5% (4.74% for existing customers) |
| Fixed rate (5 years) | 6.34% |
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Frequently asked questions
Can I get a mortgage on an equestrian property?
Equestrian properties with stables, paddocks and arenas can be mortgaged with lenders that accept them for private use. Commercial liveries or riding schools may need commercial or mixed-use lending. Planning use for the facilities is checked.
What loan-to-value can I get on a commercial equestrian property?
Each lender sets its own loan-to-value for commercial equestrian property such as livery yards, riding schools and competition yards, lending against a component valuation of the land, buildings, dwelling and any trade. The planning position, the strength of the accounts and the operator's experience move the figure. Farms and agricultural holdings with equestrian use are funded on agricultural or rural lending, and bare land on land lending, each at the lender's own limits, so an adviser checks current criteria for the specific property.
Do equestrian properties pay business rates?
Commercial equestrian use pays business rates: livery yards, riding schools, arenas and stables let to others are assessed by the Valuation Office Agency, because the agricultural exemption from business rates covers farming and grazing, not equestrian use. The owner's dwelling is council-tax rated separately.
Can I refinance my equestrian property to raise capital?
Yes, to fund stables, an arena, additional land or business expansion: through a residential remortgage where the home dominates, or a commercial remortgage on a component valuation where the yard is a business. The works need planning consent, and the increased borrowing must pass the lender's affordability or coverage test.
Can you get a 90% commercial mortgage?
Yes, 90% loan-to-value commercial mortgages are possible, but only in limited sectors such as healthcare properties, pharmacies, or certain convenience stores with strong trading history. For most other commercial properties, maximum lending is typically capped at around 70% to 75% LTV.
Talk it through with an adviser
Speak to a Mortgage Lane adviser about your circumstances and the next steps.
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Contact us
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