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These are exclusive arrangements for landowners and owners of large country properties, which have been traditionally treated as commercial transactions and financed as such. We are able to re-structure these onto lower interest rates, by using residential terms, without the need to split the legal title. Thereby leaving property and land together.
Example – A detached House and outbuildings, plus land of a few hundred acres, all on one title. Currently geared to 50% on overall value. The re-structuring would save over 1% per annum in interest for the remaining term.
Notes – Where a farm comprises of residential property, as well as the working farm buildings, the legal titles can be split. The residential property can then be borrowed against separately.
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"Thank you with your help with the loan for the property.”
Ms J D, Lanarkshire
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