Second Charge Loans for farmers

Second charge lending can provide funding for the long term future of your farm

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Funding options



  • Flexible funding secured on property
  • Use for any purpose on your farm
  • Auction Finance
  • Acquire additional land

Designed Around Your Needs

  • Deal with cashflow issues
  • Invest in growth or restructuring
  • 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

The agricultural sector needs new sources of 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.

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Greater investment can mean greater profits - but it will require funding that can be difficult to arrange if your farm business is already borrowing heavily - but solutions exist with second charge lending

Table of Contents

Growing a farm business can mean economies of scale. But many farmers find banks are slow to approve finance for agricultural borrowing, and credit of any kind can be difficult to arrange.

This can be even more of a problem if your farm business is already borrowing heavily.

Opportunities - and urgent financial demands - can both come along at any time. When your income is seasonal and depends on the profits from a harvest, there can be a need for cash that your available funds simply cannot match. If your existing funding depends on loans and mortgages secured on your property, it can be difficult to raise additional funds at short notice.

The solutions can be found with Second Charge Bridging Finance. This is a legal charge on a property that ranks behind a ‘first charge’, an additional loan usually used to secure additional borrowing, such as a second mortgage or a Secured Loan such as a Bridging Loan.

How a Second Charge works

Lenders want security for loans. This is something - often property - that they can sell if the borrower does not keep up the repayments. Interest rates for farm mortgages are can be lower than for other industries and this is generally because they provide valuable security and a very safe loan to value ratio.

It is simpler if the property used as security is free from other loans. However, it is possible to take a second charge so two lenders have a loan secured against the same property with one having a first charge and the other having a second charge. 

Second charges may be more difficult to arrange than first charge lending.

It starts with the valuation of the property that the lender will take a charge on. Lenders refer to a LTV (Loan to Value) ratio, and for second charges have a limit of 60% LTV and prefer lending under 50%. This means that if you have security worth £100,000 they will lend up to £60,000. You will also need to provide a detailed analysis of your business proposal, how you will use the money and how you will make loan repayments.

Both mortgages and Bridging Loans may be available as second charge lending.


You may be able to arrange a Second Charge Mortgage to provide long-term funding for any purpose - from buying additional land or equipment, or erecting buildings. You can also use it to provide funding for any business purpose, including restructuring. A Second Charge Mortgage can be set up in a similar time to a First Charge Mortgage.

Bridging Loans

Bridging Loans are intended to let you deal with urgent funding needs, or to take advantage of business opportunities that have to be dealt with fast. They are designed for the short-term - and can be ideal when you have an urgent funding need.

With help from the property funding experts at Rangewell, Bridging Loans can be set up within a matter of hours, and funds released in as little as 72 hours.

What’s more, we can help you find the most competitive deal for the loan you want.

Why you need Rangewell to set up Second Charge Lending

Our knowledge of funding solutions for the agricultural sector can be an important asset for your business - from buying machinery and equipment to finance to restructure a farm. We know the lenders who are supporting the industry, and those who are able to make second charge lending possible.

We also understand their focus and requirements and can help you answer the needs of their application process - helping you get the best chance of securing the loan you need - and saving you money.

Call us to find out more.


  • Find a Bridging Finance deal to let a farmer secure a parcel of productive land adjacent to his existing farm

  • Source funding to allow a farm to buy harvest machinery at auction

  • Found a lender to help a farmer restructure their business

  • Find the most competitive second charge funding to buy agricultural buildings

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

  • Long-term funding
    Second charge mortgages can provide funding for the long term.
  • Short-term funding
    Bridge Loans can be the most cost-effective way to raise large sums for the short term.
  • Funding for any purpose
    Securing funds on your land or property can help you raise cash for use elsewhere in your agriculture business.
  • For development
    Second charge funding can provide are a funding solution for development projects which can be refinanced at a higher value once work is completed.
  • Fast application
    Lenders providing Bridging Finance will look at your credit profile, the value of the asset in question, and your exit strategy so they 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.

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