Funding for farm succession

Speak to one of our experts020 4525 5312

4.4 out of 5 stars on Google!
Our customers trust Rangewell.

Google reviews

Funding options


Helping Secure A Birthright

  • Flexible funding secured on property
  • Allows the transfer of land at below-market prices
  • Helps with the demand of inheritance tax
  • Can be arranged in days

Designed Around Your Needs

  • Can be structured to support your succession 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 new assets

Talk to Rangewell - the business finance experts

Farm succession may require funding. At Rangewell, we can help provide it with Bridging Loans.

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.

Call us020 4525 5312
ScheduleArrange a call-back

Inheritance taxes and death duties make it difficult to preserve an entire estate. But there are ways of raising funds that can help keep a farm in the family

Table of Contents

It is no longer simple for a farmer to ensure that their descendants inherit their land and assets in full. The need to pay out large sums to the taxman whenever the title to the land changes hands makes it hard to keep a farm within the family.

However, there are ways for farmers to ensure that their descendants can take over their land. Alternatively, if you are retiring, transferring your farm to the next generation below market value, and wanting to keep some of your capital there are solutions for that too.

Passing wealth down from one generation to another can happen in several ways. 

Executors will need to pay tax on the estate’s value. This can put pressure on the executors to liquidate the estate quickly and can result in the breaking-up of the family farm.

The threshold for inheritance tax is £325,000, anything above this value is taxed at 40%. This means that a farm with a value of half a million pounds would be presented with a tax bill of £30,000. Because the value of a farm is typically tied up in land and equipment, meeting this bill will almost certainly require the sale of some of the farm’s assets. 

What’s more, the inheritance tax bill must be paid within 6 months.

This means that if buyers know that the seller has a 6-month time limit to complete the sale, they may attempt to force a bargain price since the seller must complete the sale.

Short-term Secured Loans are an ideal method of bridging the gap when a debt becomes due, and funds become available. They can be ideal for executors, allowing them to raise funds on the estate to allow the best deals to be arranged.

The other situation - when a retiring farmer wants to pass on land at below-market price can also cause problems when mortgage valuations and asking prices are significantly different.

In both cases, Bridging Loans can provide the answer.

What is a Bridging Loan?

Bridging Loans are short-term loans which are, most commonly, secured on property. They are so-called because they “bridge the gap” until long-term finances can be put in place.

Bridging Finance is often used to buy the property it is secured on, but it can also be used to raise funds on a property that is already owned, providing a cost-effective solution for raising cash. So, you could take out a Bridge Loan to pay a bill from the taxman. Bridging Finance can be secured against nearly any asset, although property is most often used as the security. Some lenders will accept a second charge security, meaning that the loan can be against property already subject to a finance arrangement such as a mortgage.

Unlike high street banks, bridging lenders can turn a loan from application to approval in a very short space of time - often less than a week, and sometimes in as little as 48 hours.

Several factors will influence the cost of a Bridging Loan, including your “exit strategy” - this is how you intend to repay the loan.

You could raise funding on the farmhouse to provide the means to pay the inheritance tax on the entire farm estate. Exit strategies can include a mortgage to provide a long-term solution, the sale of part of the land or a loan secured on future profits from the farm business. Bridging providers will work flexibly with their customers to determine whether their exit strategy is viable. In addition to a monthly interest cost, lenders may charge a lender arrangement fee – a fee for setting up the loan.

All costs will be pre-agreed when the loan agreed.

Why you need Rangewell to set up a Farm Succession Loan

Like all Bridging Loans, Farm Succession Funding can be set up fast to let you deal with the urgent funding needs triggered by bereavement. But unless you have expert help, you can find it difficult to get the best deal. 

At Rangewell, we can help you find the most competitive deal for the loan you want.

Our knowledge can not only help you secure the funding you need for your farm - it can save you a great deal of cash.

Remember, Bridging Loans are intended for short-term use. We not only have the expertise to help you use them as a tactical source of funding for the short-term, but we can also work to find the most competitive source of funding to replace them over the long-term.

Our knowledge of funding solutions for the property sector can be an important asset for your business - from restructuring your farm to buying land. Call us to find out more.


  • Find a Bridging Finance deal to let a farmer secure his family farm

  • Source funding to allow a farm to be passed on at below-market cost     

  • Found a lender to fund the inheritance tax bill for a large pasture farm

  • Find the most competitive funding for a farm already subject to intergenerational mortgage agreements

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

  • Keep the family farm
    Bridging can provide solutions to allow a farm to be passed down intact.
  • Short-term funding
    Bridge Loans can be the most cost-effective way to raise large sums for the short term for any purpose.
  • Funding for any purpose
    Securing funds on your land can help you raise cash to pass on your farm.
  • For succession and other costs
    Succession Loans can be the most effective way to raise funds to deal with tax and other issues.
  • A fast application
    The Bridging Finance lender will look at your credit profile, as well as the value of the asset in question and your exit strategy so the can make a decision in the shortest possible time.
  • A single repayment
    In most cases, all fees, interest and charges can be rolled up into a single repayment made at the end of the loan term, when an alternative fund source has been arranged.

Download Rangewell’s free and detailed guide to Recovery and Restructuring Finance

Ebook tablet

Download your Rangewell Business e-Book

Available in ePub, mobi and .pdf format

By clicking "Get your copy now" you agree to Rangewell'sTerms and Conditions and Privacy Policy.

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.