AMC & Oxbury Farm Finance

You can benefit from simple, flexible and affordable lending for consolidation, growth or diversification plans for: 

• Competitive mortgage rates (interest-only and repayment options) 

• Rates set for the life of the agreement for 25 to 30 years 

• No annual reviews or the need to see annual accounts 

• No early repayment charges for variable rate loans 

• Finance secured against freehold land and property 

• Loans and mortgage agreements transferable to the next generation 

• Access to experienced, knowledgeable support teams who understand rural affairs

• Funding decisions approved in principal before you make a sealed bid or go to auction 

If you’re an agricultural, horticultural, equine or other commercial land-based business, whether as a sole trader, partnership, limited company or trust, Mason Rural team can help you to access competitive funding.

We can help you to access loans to support a number of different opportunities for farmers and land-based businesses: 

✔ Purchase farmland. Buy additional acreage to expand operations

✔ Refinancing existing debt. Consolidation or restructure loans for better financial management 

✔ Buy farm buildings. Invest in storage facilities, or farmhouses

✔ Diversify the business. Fund new revenue streams such as agritourism, renewable energy projects, or food processing

✔ Improve infrastructure. Upgrade irrigation, fencing, or other essential farm structures

✔ New equipment, farm machinery or fixed equipment

✔ Building new or improving existing structures 

✔ Diversification plans 

✔ Paying out a business/family partner to gain sole control 

• Farm loans give you the ability to borrow any amount from a minimum of £25,001

• Loans are available for business purposes only and provided on a secured loan basis.

• Long term lending is available up to 25 or 30 years

• Lending criteria will vary to meet customer requirements

• Lending is subject to the bank's credit criteria and your obligations 

• Lending also requires your obligations to the bank continuing to be met

*There is always a possibility that interest rates may go down leaving a fixed rate loan at a higher level compared to a variable rate loan. However, if interest rates rise, a fixed rate loan will remain at the same rate.

• Masons Rural is FCA registered 

• Masons Rural will carry out any identification checks to satisfy the bank's requirements 

• Masons Rural will also help and advise you on which supporting documents you need for a successful application 

The Financial Conduct Authority (FCA)

• The Financial Conduct Authority regulates us and is the conduct regulator for another 58,000 (or thereabouts) financial services firms and financial markets in the UK.

• The FCA seek to ensure that: Senior management are accountable for their activities, including principal and agency responsibilities

• There is a positive culture of proactively identifying and managing conflicts of interest

• There is orderly resolution and return on client assets

• Firms’ business models, activities, controls and behaviour maintain trust and integrity

• Market efficiency, cleanliness and resilience is delivered through transparency, surveillance and the supervision .

• Firms, acting as agents on behalf of their clients, put clients’ best interests at the heart of their businesses

• To find out more visit:

  www.fca.org.uk/about/the-fca

• At Masons, we help our clients find tailored and competitive agricultural loans through AMC and Oxbury with support and guidance on your financial needs and importantly, a quick decision.  

  To discuss your finance please email email or call our Rural Team on 01507 350500 Option 3