Business Details
Rural Property Mortgage Specialists
Wall 2 Wall Finance has established itself as a trusted specialist in rural property mortgages since its founding over two decades ago. We focus on providing residential mortgage solutions for farms, smallholdings, equestrian properties, and agricultural-tied dwellings, offering alternatives to traditional commercial financing. Our expertise enables clients to access lower interest rates, simplified application processes, and regulatory protections associated with residential mortgages. With a family-run ethos, we serve clients across England, Wales, Scotland, and Northern Ireland, prioritising personalised service for non-standard properties and unconventional income scenarios.Our team's deep understanding of rural property markets and agricultural occupancy conditions allows us to assist clients who may face challenges with mainstream lenders. We combine specialist knowledge with competitive pricing, including potential 90-95% loan-to-value ratios and flexible affordability assessments. Our regulatory compliance under the Financial Conduct Authority ensures client protection while maintaining industry-leading standards in mortgage advisory services.
Services
Farm mortgages
Equestrian property finance
Agricultural tie mortgages
Self-build mortgages
Commercial equestrian finance
Highlights and features
- 20+ years' experience in rural property mortgages
- Competitive residential rates for non-standard properties
- Flexible approach to agricultural and equestrian financing
- Family-run business with UK-wide coverage
- Specialist knowledge of agricultural occupancy conditions
Associations and certifications
- Financial Conduct Authority
What people say
Competitive rates
Personalised service
Specialist knowledge
UK-wide coverage
Flexible approach
Services
Farm mortgages
We provide residential mortgage solutions for farms and agricultural properties, offering competitive rates and simplified processes compared to commercial financing. Our expertise covers diversification projects, expansion plans, and properties with mixed residential-commercial use. Clients benefit from regulatory protections and flexible affordability assessments based on earned income.
Equestrian property finance
Specialist financing for equestrian properties including private homes with paddocks, livery yards, and racing stables. We offer residential mortgages for properties that mainstream lenders might categorise as commercial. Our services cover land-only purchases, equine rehabilitation centres, and properties with equestrian occupancy restrictions across the UK.
Agricultural tie mortgages
Mortgages for properties subject to agricultural occupancy conditions, helping clients meet planning restrictions while securing competitive financing. We assist both agricultural workers and hobby smallholders with tailored solutions, including self-build mortgages for tied properties and case-by-case lending up to 90% loan-to-value.
Self-build mortgages
Financing solutions for self-build projects in rural settings, including properties with agricultural ties. We support construction of residential dwellings on agricultural land, offering staged funding releases and flexible terms up to 40 years, subject to borrower circumstances and security provisions.
Commercial equestrian finance
Specialist financing for commercial equestrian enterprises when residential mortgages aren't appropriate. This includes racing stables, training facilities, and livery yards, with lending packages that consider business income streams and property-based commercial activities across England, Wales, and Scotland.
Questions
Can I get a residential mortgage for a farm property?
Yes, we specialise in residential mortgages for farms and agricultural properties that mainstream lenders might categorise as commercial, offering lower rates and simpler processes.
What are agricultural tie mortgages?
These are mortgages for properties with planning restrictions requiring occupants to work in agriculture. We help both farming professionals and hobby smallholders secure financing.
Do you offer equestrian property financing?
Yes, we provide residential mortgages for equestrian properties including homes with paddocks, livery yards, and racing stables, even with large acreage or commercial elements.
Can I get financing for a rural self-build?
Yes, we offer self-build mortgages for rural properties, including those with agricultural ties, with staged funding and flexible terms up to 40 years.
What income types do you accept?
We work with business owners, self-employed individuals, and those with non-traditional income streams, including agricultural or equestrian enterprise earnings.
Do you operate UK-wide?
Yes, we provide mortgage solutions across England, Wales, Scotland, and have limited availability in Northern Ireland for rural property financing.
