The Agricultural Mortgage Corporation – A Unique Source of Long Term Finance



This year has undoubtedly seen a level of uncertainty which is unprecedented for many businesses, not least those operating in the rural sector, and many have had to alter plans and seek additional financial support.

As well as the challenges posed by COVID, many enterprises were already wrestling with the possible implications of ‘Brexit’ in whatever form it ultimately takes and looking to establish a position that will be sustainable for years to come.

With the unfortunate cancellation of agricultural shows and ploughing matches in 2020, we have missed the opportunity to have face-to-face conversations with many clients, but as the leading AMC agent in the South East we are committed to continuing to provide support to rural businesses in the region. This year we have already successfully submitted applications for well over 30 Applicants involving over £22,000,000 of mortgage finance, and continue to process an unprecedented number of new applications.

In the current climate, there are strong arguments for rural businesses to continue to look to expand or diversify, as well as for some to acquire more land or to construct or convert farm buildings and the Agricultural Mortgage Corporation are here to support the rural sector in preparing for the years to come.

Long term loans are available for up to 30 years with options including repayment and interest only (or a combination of both) on fixed and variable interest rates*. Rates can be set for the life of the mortgage unlike many other secured loan agreements and in certain circumstances loans can be passed on to the next generation.

The Agricultural Mortgage Corporation have more than 90 years of experience of lending to the rural sector and specialise in long term mortgages and loans for farms and rural businesses. They understand the challenges and opportunities that impact the rural sector and in these challenging times have demonstrated a high level of flexibility and understanding which has given many of our clients significant comfort.

As AMC agents, we take pride in helping our clients find tailored and competitive agricultural loans through our relationship with the AMC. To discuss the options of borrowing from the AMC and how they could assist you please call Anthony Field on 01435 864455 or Richard Thomas on 01233 740077.


* 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.

All mortgages are subject to AMC credit criteria and obligations to the AMC continuing to be met. AMC loans are available for business purposes only and are provided on a secured loan basis. Minimum AMC standard loan £25,001. To meet customer requirements, lending criteria will vary and lending is subject to status.