Business Details
23 Years
experience
Specialist Rural Mortgage Solutions
Wall 2 Wall Finance has specialised in rural mortgage solutions for over two decades, offering tailored financial products for unique property requirements. Our expertise lies in arranging residential mortgages for farms, smallholdings, equestrian properties, and agriculturally tied dwellings that other lenders might categorise as commercial. We provide competitive interest rates and simplified application processes by leveraging our deep understanding of rural property markets and regulatory frameworks. Our family-run team combines professional rigour with local market knowledge to serve clients across England, Wales, Scotland, and Northern Ireland.With authorisation from the Financial Conduct Authority, we ensure all residential mortgages meet stringent regulatory standards while offering flexibility for non-standard properties. Our approach prioritises affordability assessments based on earned income without requiring complex business plans, alongside options for interest-only borrowing and extended repayment terms up to 40 years. We handle specialist cases including self-build projects, agricultural tie mortgages, and properties with holiday cottages or commercial elements, maintaining transparent fee structures with typical arrangement fees ranging from 195-895.
Services
Residential mortgages
Equestrian property finance
Agricultural tie mortgages
Self-build mortgages
Commercial equestrian finance
Rural property remortgaging
Buy-to-let mortgages
Development finance
Holiday cottage mortgages
Agricultural expansion loans
Details
- Year established: 2003
Highlights and features
- We specialise in rural mortgages for over 20 years
- Offer residential mortgages for properties others deem commercial
- Provide competitive rates with transparent fee structures from 195
- Handle complex cases including agricultural ties and self-build projects
- Regulated by the Financial Conduct Authority for consumer protection
Associations and certifications
- Financial Conduct Authority
Services
Residential mortgages
We provide residential mortgages for rural properties that other lenders might classify as commercial. Our FCA-regulated products offer competitive interest rates and simplified applications without business plans. Clients benefit from affordability assessments based on earned income and terms up to 40 years.
Equestrian property finance
Specialist financing for equestrian properties ranging from private homes with paddocks to racing stables. We offer residential mortgages for properties with commercial elements and commercial finance for primary business-use yards. Our director Ben Wall has written extensively on equine property lending.
Agricultural tie mortgages
Mortgages for properties with agricultural occupancy conditions. We handle planning restrictions requiring occupants to work in agriculture or forestry. Our expertise includes self-build mortgages under agricultural ties and financing for hobby smallholdings. Loan-to-value ratios up to 90% available.
Self-build mortgages
Tailored financing for self-build projects on rural and agricultural properties. We support developments with agricultural ties or commercial elements. Funding options include staged releases and terms up to 40 years, with potential for 100% financing using additional security.
Commercial equestrian finance
Specialist commercial mortgages for equestrian businesses including livery yards and rehabilitation centres. We offer financing based on business income with terms up to 40 years. Our experience covers racing stables, studs, and land-only purchases for commercial use.
People
Ben Wall
Director
Director specialising in equestrian mortgages with 20+ years' experience. Regular contributor to national equestrian publications on property finance. Leads mortgage solutions for racing stables and commercial yards.
Questions
Can I get a residential mortgage for a farm property?
Yes, we specialise in residential mortgages for farms and smallholdings that other lenders might require commercial financing for.
Do you offer mortgages for properties with agricultural ties?
Yes, we arrange mortgages for properties with agricultural occupancy conditions, including self-build projects and hobby smallholdings.
What fees do you charge for mortgage arrangements?
Typical fees range from £195-895 depending on mortgage type, with agricultural tie mortgages costing £495-895 and equestrian properties £295-895.
Can you help with equestrian property financing?
Yes, we provide residential and commercial mortgages for equestrian properties including private homes with paddocks, livery yards, and racing stables.
Do you offer self-build mortgages for rural properties?
Yes, we offer self-build mortgages for rural properties, including those with agricultural ties or commercial elements.
What areas do you cover?
We operate across England, Wales, Scotland, and Northern Ireland with specialist knowledge of rural property markets.
Reviews (4)
Shaun Holmes
Jun 13, 2022
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I cannot reccommend this company enough. We purchanced a 10 acre smallholding with multiple outbuildings and Ben helped us find a lender and was extremely helpful during the whole process. They really went above and beyond to help us with our purchase.
Zara Owens
Nov 09, 2019
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Ben and his team have been fantastic with our mortgage. Finding very competitive rates when other brokers wouldn't even consider our self employed status. Thank you!
Rob Caine
Nov 08, 2019
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Ben has been first class as an advisor for my finances and mortgage. I recommend him very very highly. Proactive and helpful. Superb. Thank you.
Karen Rowland Yeo
Apr 04, 2019
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I can highly recommend the mortgage services of Wall 2 Wall Finance. Ben (and his colleagues) dealt with everything promptly and efficiently and explained the terms of the various mortgages clearly. I would definitely use the services of Wall 2 Wall Finance again should the occasion arise. Very impressed.
