Mortgages for Country Estates & Property With Large Acreage
Looking for mortgages with large acreage or require funding for a country estate? Securing finance for rural properties, farms, or estates with significant land can be complex, but it’s achievable with the right expertise. At Fox Davidson, we specialise in finding tailored mortgage solutions for properties with large acreage, ensuring you get the best terms from the right lenders.
What are Large Acreage Mortgages?
Large acreage mortgages are specialist loans for properties with significant land, typically over 5 acres. Unlike standard home loans, these mortgages address the unique challenges of rural properties, such as land use, valuation, and lender restrictions. High street lenders often limit financing to properties under 10 acres, while specialist lenders and private banks offer flexible solutions for larger estates.
- Properties up to 2 acres: Treated as standard residential mortgages with competitive rates.
- 2–10 acres: Requires case-by-case assessment, often with high street or specialist lenders.
- Over 10 acres: Needs niche lenders with expertise in properties with large acreage
Our experienced mortgage brokers navigate these complexities to match you with lenders suited to your property and financial profile.
Can You Get a Mortgage for Large Acreage Properties?
Yes, mortgages for large acreage are available, but options decrease as land size increases. High street lenders typically finance properties up to 2–3 acres as standard residential mortgages. Properties between 3–10 acres may require specialist assessment, while those over 10 acres often need bespoke lenders with flexible criteria.
At Fox Davidson, we’ve secured financing for properties ranging from smallholdings to estates spanning hundreds of acres. We understand which lenders offer no acreage limits and can guide you to avoid delays or rejections.
Types of Mortgages for Large Acreage
Choosing the right mortgage type is critical:
- Residential Mortgages: For properties used solely for personal purposes, including paddocks or woodland.
- Commercial Mortgages: Required for income-generating land, like holiday lets or events.
- Agricultural Mortgages: For working farms, needing business plans and industry experience.
- Semi-Commercial Mortgages: For mixed-use properties with at least 60% residential use.
We assess your property’s use to ensure the correct mortgage type, avoiding application errors.
Key Considerations for Large Acreage Mortgages
- Deposits: 5–10% for residential, 25–30% for commercial or agricultural properties.
- Interest Rates: Competitive high street rates are possible for residential properties; commercial rates may be 1–2% higher.
- Valuation Challenges: Some lenders may not value all acreage, affecting the valuation
- Legal and Planning: Agricultural ties or planning restrictions can limit lender options.
Our team at Fox Davidson mitigates these challenges by leveraging relationships with specialist lenders and private banks.
Why Choose Fox Davidson?
With extensive experience in rural property financing, Fox Davidson offers:
- Access to high street, specialist, and private bank lenders.
- Tailored advice for properties with large acreage, equestrian facilities, or outbuildings.
- Streamlined applications to avoid delays and secure competitive terms.
Next Steps
If you have a property in mind and wish to discuss funding options. Contact Fox Davidson for expert advice on mortgages with large acreage. We work with UK and international clients via phone, email, or video call, with offices in London & the South West. Let us help you secure the perfect mortgage for your dream property.
📞 Call for immediate expert advice
📧 Email with an outline of your requirements
FAQ’s
For a conventional mortgage, the maximum acreage is usually 10 acres. At that size, some traditional high-street lenders may still consider applications. For anything over 10 acres, you will typically need to use more specialised mortgage providers.
Yes, it is possible to obtain a mortgage on a house that includes land. A number of lenders are comfortable with up to 10 acres of land, and more specialised options exist for even larger amounts.
Yes, funding is available for homes with substantial land, though the pool of suitable lenders gets smaller as the size grows. Mainstream banks often handle up to 2-3 acres as regular home loans, viewing the extra space as part of the grounds. For 3-10 acres specialist lenders will consider lending depending on the usage of the property and number of acres.
Yes, some UK mortgage lenders will lend where a property has outbuildings including barns, Consideration will need to be given to any commercial use of the outbuildings.
Yes, a few specialist mortgage lenders in the UK will allow outbuildings on the same title as the main residence to be let out.
You should plan for a deposit of 5-10% on homes with under 10 acres used mainly as a residence, increasing to 10% – 40% for much larger plots or those with business use.
While mainstream lenders often stop at 10 acres, specialist lenders and private banks provide funding options without lending limits, usually requiring at least 25% down and individual property checks—great for expansive rural setups reaching 1,000 acres.
Fox Davidson are a UK mortgage broker specialising in mortgages for property with large acreage and country estates.
