Top 10 Lenders for £400,000 Farm Finance in 2026

Overview: Lends from £100,000 to £3 million through secured facilities, suiting larger farm investments. A term loan or revolving credit line can fund land purchase or grain store upgrades. Funding completes in roughly five working days once security is agreed. Monthly interest charges mean costs add up quickly without a clear exit plan.

Overview: Funds within 24 hours, helpful when a farm auction deadline or machinery deposit cannot wait. Secured term loans run from £10,000 to £500,000, with land or farm buildings standing as collateral. Monthly interest runs from 0.9% to 3.6%, so the repayment burden shifts noticeably depending on pricing tier secured.

Overview: One of the few high-street banks with a dedicated agricultural lending team, which means underwriters understand BPS payments, seasonal cash flow, and diversified farm income. Commercial mortgages start from £500 and reach £10 million, with annual interest between 4.5% and 10.5%. Bank underwriting takes longer than alternative lenders, but the annual rate structure can reduce long-term borrowing costs.

Overview: Annual interest from 4.5% makes long-term farm finance more manageable than monthly-rate alternatives, particularly for land purchase or permanent building works where borrowing spans a decade or more. Commercial mortgages run from £30,000 into the millions. Expect full bank underwriting with trading history and affordability assessment, which can slow the process.

Overview: HSBC's commercial mortgage product caps at £300,000 in published terms, so a standalone £400,000 farm facility may need topping up from another source or a split-security arrangement. Annual interest sits between 8.6% and 11.3%. The bank's agricultural lending experience means underwriters understand diversified farm income, which can strengthen an application where accounts are robust.

Overview: A business mortgage from Barclays can stretch from £1,000 to £25 million, giving farm borrowers room to finance anything from a single machinery shed to a full land acquisition. Annual interest runs from 8.5% to 14.9%, so the rate outcome depends heavily on security quality and trading strength. Barclays' agricultural managers understand farming cycles, which helps when presenting seasonal accounts.

Overview: Shire Leasing writes commercial mortgages alongside asset finance, suiting mixed farm funding where land and machinery are purchased together. The range spans £5,000 to £750,000, with farm property as security. Monthly interest between 4% and 11% means higher costs than bank rates, but underwriting can be more flexible for farms with uneven income.

Overview: Funding decisions can land within four hours, making this one of the quicker routes to secured farm finance when a land purchase or equipment deal requires rapid commitment. Commercial mortgages run from £5,000 to £750,000, with farm property standing as collateral. Monthly interest from 4.5% to 12% puts costs above bank equivalents, but the trade-off is speed and a lighter underwriting touch.

Overview: From £1,000 with no published ceiling, Admiral leasing can accommodate larger farm finance cases where security is strong. Annual interest from 5.5% to 13.5% reflects pricing against property quality and business strength. The combined secured lending and asset finance capability suits farms funding land alongside machinery.

Overview: Offa focuses on property-backed funding with a buy-to-let product structure, lending from £80,000 to £2.5 million at annual rates between 5.9% and 7.5%. For a farm seeking £400,000 against agricultural land or buildings, the competitive annual pricing and clear property focus make this worth exploring, though the buy-to-let label means the farm's income profile needs careful presentation during underwriting.