Finance for Agriculture

30/07/2026

Waiting For Lower Rates? Today's Bank of England Vote May Change That!

The Bank of England has held Base Rate at 3.75%.

But that's not the most important part of today's announcement.

The Monetary Policy Committee voted:
⇨ 6 to hold rates
⇨ 3 to increase rates
⇨ 0 to cut rates

For farming businesses, rural property buyers and landowners planning investment, that matters.

Many borrowers have been expecting interest rates to move gradually lower. Today's vote suggests the debate inside the Bank is becoming less about when rates will be cut and more about whether inflation risks could keep rates higher for longer. The Bank continues to see inflation risks tilted to the upside.

If you're considering:

• Farm expansion finance
• Land purchases
• Agricultural mortgages
• Diversification projects
• Machinery and equipment funding
• Rural property refinancing

now may be a sensible time to review your options rather than relying on lower rates arriving later this year.

Nobody knows where rates will be in six weeks' time.

What we do know is that today's vote wasn't pointing towards cuts.

The headline says rates were held.

➡ The vote says don't rule out a rise.

13/04/2026

Farming doesn't run on neat monthly cycles

Starting out on a dairy farm, long before working in finance, that experience still shapes how Finance for Agriculture approaches farm finance today, focused on seasonal cash flow, long investment cycles, and the realities of running a farming business.

Independent advice. No jargon. No pressure

www.finance4agriculture.co.uk

29/05/2024

As many know I started my career working for an agricultural merchant in Northumberland and I'm one of the few commercial finance brokers that can plough, albeit badly now!

Through our Tax Reclaims brand we can now work with farmers to support with Farm R&D Tax Relief in addition to providing great finance deals on tractors and even combine harvesters.

Although I can drive a combine, I'd rather give you the key. Why not take a look to see how I can best support you.

https://taxreclaims.co.uk/farm-rd-tax-relief/

Farm R&D Tax Relief, a government initiative to support and reward limited companies that try to improve internal processes to increase overall farm performance

17/01/2023

Some lovely words by a client from our sister business Wattsford Commercial Finance

16/06/2022

Wattsford Commercial Finance, our commercial finance arm, has released an interesting post on today's interest rate hike by the Bank of England.

The Bank of England has today raised the base rate to 1.25%.
Although this continues to remain historically low, it would appear that interest rates will continue to climb as the Bank tries to reign in inflation which is now predicted to be circa the 11% mark by October.
What does this mean for landlords and commercial property owners, those that are on a fixed rate now are protected for the time being.
If you're on a variable rate or are coming towards the end of a fixed term, it may be prudent to review your options now. At Wattsford Commercial Finance, we've made this as easy as possible with our Indicative Rates Request forms.
No one knows where interest rates will be by the end of the year, save to say that if interest rates continue to climb at 0.25% per month, we'll be looking at a base rate of 2.75%. On the bright side back in 2007, the base rate was circa 5.5%.

https://wattsfordfinance.co.uk/mortgages/
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21/04/2022

Come and meet us!
On the 28th of April, we will be exhibiting at The North East Expo at Newcastle Falcons Rugby Club.
The tickets are free to attend! There will be many great seminars throughout the day to participate in or have a wander around.
We will be there and cannot wait to meet you.
Ask us any of your financial questions, we are more than happy to help.
Come and say hello and see our new branding

12/04/2022

We are award-winning, family-owned agricultural finance brokers.
We want you to get the most competitive finance available and will broker the right deal for your business.
Our values drive our work; knowledge, integrity, caring.
Request a callback from a member of the team, and we will call you back.
We cannot wait to meet you.

27/03/2022

Happy Mother's Day!

The team here at Finance for Agriculture would like to wish our leading ladies and beyond a very happy day, remember to celebrate well!

Enjoy your day, however you celebrate it.💐

24/03/2022

Spring has sprung!

The wind may be a bit chilly, but that glorious sunshine is out!
If your business has hit 'winter' and you're ready for 'spring', Finance for Agriculture can help with that!

If finance is something you shy away from, we can break the complexity. Sit and discuss with our Principle Finance Broker, Andrew Wattsford, and explore avenues for finance within your business.

Let's spring into better cashflow and growth together!

www.finance4agriculture.co.uk

07/03/2022

“Growth is never by mere chance; It is the result of forces working together”
Would you agree?
If you are a start-up business and are before year three of trading, you may be eligible for a ‘Start-Up Loan’.
The loan can be used to purchase new assets, help with cash flow or move to new premises.
Finance for Agriculture can be a helping hand to guide you through start-up finance, so our two forces can work together for your growth.
Our principal finance broker, Andrew Wattsford, can sit with you and discuss your start-up loan. So, you can feel at ease with your finance.
We love a coffee here, so let’s chat. We will stick the kettle on!

www.finance4agriculture.co.uk