Agricultural Tenancy Right to Buy

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Funding options


Supporting Your Business

  • Buy your tenancy
  • Take advantage of substantial discounts
  • High LTV available
  • Purchase any kind of tenanted farm

Designed Around Your Needs

  • Funding designed around your needs
  • Monthly, quarterly and annual repayments
  • Tailored around your cashflow
  • An adverse credit history need not be a problem


  • Repayment and interest-only available
  • Roll up repayments
  • Buildings as well as land
  • Refinance or acquire property assets

Talk to Rangewell - the business finance experts

Buying your tenancy requires substantial funding. At Rangewell we can help provide it.

At Rangewell we recognise your professional status, and we work harder to find you better solutions - which can include 100% finance for many of your needs.

If you’re a tenant farmer with a right to buy your land, we may be able to help arrange a loan based on its open market value rather than the actual discounted purchase price - saving you money and bringing you additional funding

All the information you need

There is no statutory right for tenants to buy their farm in most parts of the UK - although the position is different in Scotland. However, with uncertainty over agricultural land prices, and worries about concerns over threatened changes to Agricultural Property Relief, many landowners are coming to the conclusion that agricultural property does not give the returns they want. Some landlords are seeking to sell their farms, and buying your tenancy can be a sound business move.

Buying your land can:

  • Reduce costs overall
  • Remove the pressure from quarterly payments
  • Secure the future of your business
  • Provide a legacy for your descendants
  • Remove the risk of rent reviews

You might expect a substantial discount as a sitting tenant, anything up to 40% of market vacant possession value, but this will be open to negotiation.

What’s more, raising the funding you need to buy can be easier than you think, thanks to a growing difference between the value of tenanted and freehold land.

Buying your tenancy has an important advantage as a property deal. As freehold, your farm is worth more than tenanted property. You can borrow up to 60% of the full value of your land as freehold, which your tenanted farm will become on completion of the sale - although you may only be required to pay the cost for the land at a discount, thanks to it being tenanted.

You can, therefore, cover a large proportion of your purchase price with your loan. By taking into account other assets such as your equipment and your house, the chances are that you will be able to raise the security for an Agricultural Mortgage which will require a relatively small cash deposit from your own resources. In certain circumstances, 100% funding may be available.

The help you need

At Rangewell, we understand the challenges you face as a tenant farmer - and the financial benefits that can come from buying your own land. 

We can work with you to find the finance you need. We understand the challenges of farming - so even if you have a poor credit history, no proof of income, or have defaults, CCJs or bankruptcy we can still help you find the answers you need to buy your farm, and safeguard the future of your family’s farming business.

We can help you set up the mortgage you need on an interest-only or repayment basis. We recognise the income patterns of agricultural businesses and can help set up repayments on a monthly, quarterly or half-yearly basis, on dates which suit your cashflow.

Loans can last for up to 30 years and can pass from generation to generation. This means that they don’t need to be repaid if the borrower dies - the new owner, your beneficiaries can simply take over the arrangement.

Contact us to find out more about lending to help tenant farmers buy their farms.

Other types of funding for agriculture include:

Plus many more. If you need help to find the most appropriate funding for your agricultural business needs, simply call our team.


  • Find the most competitive funding to let an established farm acquire its land

  • Help a young farmer acquire his first land by buying his family’s tenancy

  • Find the most competitive finance to buy out a neglected tenant farm

  • Help an established dairy farm to acquire extra pasture

  • Help acquire a tenancy as freehold land, and provide funding to improve it

Discover our range of finances

Every type of finance for every type of business

Our goal is very simple - to help businesses find the right type of finance as quickly, transparently and painlessly as possible.

Helping you build your profits

  • Buy your land
    Buying your land can be more cost-effective than working it as a tenancy.
  • Supporting your bid
    We can work with you to secure funding offers before you approach your landlord - improving your negotiating position.
  • Funding designed around your needs
    Your tenancy, equipment and assets such as your home can all be used to support your application for finance.
  • Any scale of funding
    Funding can be available at any scale whether you are purchasing a smallholding or a major farm.
  • Further funding
    We can provide other forms of funding after you have bought your farm - allowing you to bring in improvements and the equipment you need.
  • Affordable repayments
    Fees, interest and charges can be arranged to suit your available income.

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Getting the right funding arrangement is essentialThere are many forms of business finance available. Getting the most appropriate type for your particular needs is essential to avoid excessive costs.
Long term commitmentBuying land is a long term financial commitment, that may cause problems for your business if your plans change.
Your property may be at riskAny property used as security, which may include your home, may be repossessed if you do not keep up repayments on your mortgage. Agricultural Mortgages are subject to application and status.

Our service is:


Transparent and independent, treating all lenders equally, finding the best deals.


Every type of finance for every type of business from the entire market - over 300 lenders.


Specialist Finance Experts support you every step of the way.


We make no charge of any kind when we help you find the loan you need.