Uncertain times ahead – de-risk your farm business

Preserve your farm business in uncertain times

We are currently in one of the most uncertain times for British agriculture that has been seen for well over 20 years. Every sector has had its difficulties in the past but the entire economy will be significantly affected with the global changes taking place. In 2017 alone Trump has become president, Article 50 will… Read More

Posted on February 27th, 2017 by

A Flexible Facility – A safer alternative to an overdraft extension .

With ongoing pressure on working capital there is a strong temptation to increase your overdraft facility but this is often the wrong decision, Andrew Troughton explores an alternative more flexible option. A lot of lending is actually longer term than the typical 12 month overdraft term but not long or permanent enough to need a… Read More

Posted on February 7th, 2017 by

Fixed rate loans offer long term budget security

Farm succession

Is now the time to lock in your mortgage to a long term fixed rate?   With much speculation regarding the timing of the next interest rate rise, you may be calculating about whether or not to fix your interest rate for the medium to long-term future.   However, for those that want to, the fixed… Read More

Posted on March 9th, 2016 by

Now is the right time to assess cash needs and consider restructuring debt

Farm finance

The beginning of the year is typically the time when farmers take stock of their finances – often in readiness for the annual bank manager review. Given the generally poor outlook for farm-gate prices especially in sectors such as potatoes and dairy, the task this year may not be one to be relished. However, finding… Read More

Posted on February 12th, 2015 by

Farm loans – A guide to securing a loan against a farm.

Farm finance

This blog introduces the main criteria to consider when borrowing against a farm and helps you understand want lenders are looking for and how to put stronger loan applications together. This should help ensure that proposals stand out and have a better chance of being approved. There are 2 key elements: Security The more simple part is… Read More

Posted on January 30th, 2015 by