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Smallholding Mortgages | Get Approved Fast for Your Dream Rural Home

Get Approved at Any Age | No Income Restrictions | No Age Limits | Just Smarter Lending

Get Expert Guidance on Your Smallholding Mortgage

Higher Approval Rates with a Personalised Approach

Secure a mortgage tailored to your situation, saving you time and money with less hassle

Specialist Lenders for Smallholding Mortgages

Increases the changes of getting approved

Tailored Advice for Complex Cases

Get expert guidance on overcoming income and property challenges

What Clients Say About Working With Me

Common Problems with Smallholding Mortgages

Perhaps you’ve encountered some of these common issues when applying for a rural property mortgage:

Purchasing additional land
Understanding agricultural & equestrian ties
Securing a mortgage for mixed-use land
Developing & mobilising redundant buildings
Finding lenders for non-standard properties
Navigating complex lending criteria
Overcoming mortgage declines & credit challenge
Re-mortgaging or consolidating debt
Building a new house
Creating an ecologically sustainable holding
Launching a new rural enterprise

Each of these challenges can make securing a smallholding mortgage more complex. With my connections to specialist lenders, I improve your chances of approval and help you secure the best mortgage rates for your rural property.

Why Choose Me as Your Smallholding Mortgage Broker?

Dedicated one-to-one personal service, focused solely on your mortgage needs

Hi, I'm Lyndsey!

As a specialist smallholding mortgage broker, I understand the unique lending criteria and challenges of financing rural properties. With over 30 years of industry experience and access to exclusive lender deals, I ensure you get the best possible mortgage tailored to your needs.

My mission?

To simplify the process and help you secure the right smallholding mortgage with expert guidance every step of the way.

Smallholding Mortgages – Secure the Right Finance for Your Rural Property

Owning a smallholding can be a dream come true, offering a balance of countryside living and potential income from farming, livestock, or rental opportunities. However, securing a mortgage for a smallholding isn’t always straightforward. Many high street lenders struggle to assess the unique financial aspects of smallholdings, such as mixed-use land, agricultural restrictions, and non-standard income sources.

Traditional mortgage criteria often don’t account for the complexities of smallholding ownership. Some lenders have strict acreage limits, while others may be hesitant about properties with agricultural ties or additional buildings such as barns, workshops, or rental cottages. Without expert guidance, you risk delays, declined applications, or being offered a deal that doesn’t truly fit your needs.

Specialist Advice for Smallholding Mortgages

This is where my expertise comes in. With over 30 years of experience helping clients secure the right mortgage solutions, I specialise in smallholding mortgages, ensuring you access lenders who understand rural property financing. Whether your smallholding is for personal use, a lifestyle change, or generating income, I can help you find the right mortgage with competitive rates and flexible terms.

I take the time to understand your financial situation, your property’s specific features, and your long-term plans. By working with specialist lenders, I ensure you avoid common pitfalls and secure a mortgage that supports both your lifestyle and investment goals.

Let’s Make Your Smallholding Dream a Reality

Don’t let mortgage complexities stand in your way. Call me on 01267 887434 or click below to book your complimentary mortgage review. Together, we’ll turn your property investment goals into reality with personalised advice and a human touch.

Download Your Free Guide to Smallholding Mortgages

Discover how to overcome these challenges.

Professional Credentials You Can Trust

As a member of the London Institute of Banking & Finance (LIBF), I adhere to the highest professional standards, ensuring you receive expert and ethical financial advice you can trust.

Case Studies – Helping Clients Secure Rural Home Loans

Case Study 1: Securing a Smallholding Mortgage for a Grade II Listed Former Farmhouse

Client Profile: David & Rebecca, a couple in their early 50s, wanted to purchase a detached former farmhouse with outbuildings and 7.5 acres of land as their private residence but faced challenges due to its Grade II listed status.

The Challenge: David and Rebecca found their dream countryside home—a beautiful Grade II listed farmhouse with significant land. However, many lenders were hesitant to offer a mortgage due to the property’s historical status and the extensive grounds, assuming it might have commercial or agricultural use.

The Solution: I sourced a specialist lender who understood the complexities of financing a listed rural property for personal use. By clearly demonstrating that the smallholding had no commercial or agricultural ties, I structured the application to highlight their financial stability and long-term residential intentions.

The Outcome: The mortgage was approved, enabling David and Rebecca to move into their dream farmhouse with confidence, securing a loan that met their needs without unnecessary commercial restrictions.

Testimonial:
“We never realised how difficult it could be to secure a mortgage for a Grade II listed property with land, even when it was purely for residential use. Lyndsey’s knowledge of specialist lenders made all the difference—he found us the perfect mortgage, making the process smooth and stress-free. We’re now enjoying our beautiful farmhouse, thanks to his expertise!” – David & Rebecca M.

Case Study 2: Using a Guarantor to Improve Mortgage Affordability for a Smallholding Purchase

Client Profile: Emma W., a 29-year-old veterinary nurse, wanted to buy a smallholding with a cottage and stables but needed a guarantor to meet affordability requirements.

The Challenge: Emma’s income alone didn’t meet the lender’s affordability criteria, making it difficult to secure a mortgage for her dream smallholding.

The Solution: To strengthen her application, I introduced the option of using a guarantor—an immediate family member with a strong financial profile. This gave the lender added security, improving Emma’s affordability assessment.

The Outcome: The remortgage was approved, allowing Emma to secure her ideal rural home with manageable repayments.

Testimonial:
“Lyndsey went above and beyond to help me secure my smallholding mortgage. I wouldn’t have been able to afford it on my own, but he introduced the option of using a guarantor, which made all the difference. Thanks to his expertise, I now have my dream home with land for my horses!” – Emma W.

This case demonstrates the value of working with a mortgage advisor who understands multi-unit investments and non-standard income. With the right guidance, even the most complex income setups can be structured to achieve financing success.

This cases highlights the importance of working with a mortgage advisor who specialises in smallholding and rural mortgages. Navigating complex property types, extensive land, and unique income structures requires expert guidance. With the right approach, securing finance for non-standard rural properties becomes achievable, ensuring you get the mortgage that fits your needs.

Case Study 3: Remortgaging a Smallholding to Release Equity

Client Profile: Michael & Lisa, a couple in their late 40s, owned a smallholding with 12 acres of land and wanted to remortgage to release equity for renovations and improvements.

The Challenge: Their existing mortgage was with a high-street lender that offered limited flexibility for rural properties. Many lenders were hesitant due to the land size and outbuildings, making it difficult for Michael and Lisa to secure a suitable remortgage deal.

The Solution: I identified a specialist lender experienced in smallholding mortgages and structured the application to highlight the property’s residential use. By carefully presenting their income and financial stability, I secured a mortgage with a lower interest rate and the ability to release the funds they needed for renovations.

The Outcome: The remortgage was approved, providing Michael and Lisa with the equity required to enhance their smallholding while securing a more competitive mortgage deal that suited their long-term goals.

Testimonial:
“We struggled to find a lender who understood our smallholding and the need to release equity for improvements. Lyndsey’s expertise made all the difference—he found us a mortgage with better terms and gave us the flexibility we needed to invest in our property’s future. Highly recommend!” – Michael & Lisa

Simple Steps to Secure Your Smallholding Mortgage

Mortgage Advice in

4 Simple Steps

Follow These Four Simple Steps to Secure Your Smallholding Mortgage:

Reach Out for Your Free Mortgage Review
Get started by making an enquiry, and I’ll call you back to discuss your mortgage needs.
I’ll Search Rates from Over 170 Lenders
I compare rates across a vast network, helping you save both time and money.
Leave the Application Process to Me
I handle all aspects of the mortgage application, taking the hassle off your plate.
Relax with Regular Updates Until Completion
Sit back as I keep you informed every step of the way, right up to the moment you receive the keys to your new property.

Trusted Partners for Your Mortgage Needs

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Unlock Your Dream Rural Retreat with Smallholding Mortgages Today!

Call me today on 01267 887434 or book your review

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.