Agricultural Bridging Loans: detailed guide

Yes. Specialist farm bridging lenders lend against properties with agricultural ties, easements and other title restrictions that some mainstream lenders avoid.

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.

Short-term secured lending, usually between three and twenty-four months, used where timing matters more than cost: buying at auction, breaking a chain, or funding works before a property can be refinanced conventionally. Interest is materially higher than a term mortgage, and lending is granted against a credible exit: the sale or refinance that will repay it. No exit, no loan.

Bridging lenders look mainly at the security — its value and type — and the exit — how the loan will be repaid — along with the borrower's identity, credit history, experience for investors, and the purpose of the loan.

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.