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Gable Asset Finance is a trusted finance broker dedicated to supporting rural businesses across the UK. We specialise in arranging horticultural mortgages and tailored finance packages for businesses such as nurseries, garden centres, orchards, commercial smallholdings, farms, and other rural enterprises. These bespoke mortgages help businesses purchase property, release equity, or finance development projects while taking into account the unique characteristics of the rural economy.
Gable Asset Finance supports garden centres, nurseries, and rural businesses with horticultural mortgage solutions.
A horticultural mortgage is a specialised form of agricultural finance designed for businesses and individuals who operate within horticulture or other land-based rural industries. Unlike standard commercial mortgages, these products are tailored to meet the needs of businesses tied to the land, recognising the seasonal, capital-intensive, and often long-term nature of horticultural activities.
With a horticultural mortgage, you can:
Horticultural mortgages are typically secured against rural property or land. Loan terms are structured for the long term, providing flexibility for businesses to adapt and grow.
Nurseries and garden centres are at the heart of the UK’s horticultural industry. These businesses often require extensive infrastructure such as greenhouses, irrigation systems, car parks, and retail facilities. They also need to invest in stock, ranging from seasonal bedding plants to trees and shrubs. A horticultural mortgage can be used to:
By securing long-term finance, nurseries and garden centres can expand their footprint, diversify revenue streams, and ensure sustainability in an increasingly competitive marketplace.
Orchards require significant investment and long-term planning. From planting to the first commercial harvest, the timeline can be several years. This means orchard owners need patient capital. A horticultural mortgage supports orchard businesses by:
Without long-term, affordable finance, many orchard owners would struggle to manage the cash flow challenges of this cyclical business. Horticultural mortgages provide stability and allow for growth.
Smallholdings are increasingly popular, supporting a wide range of activities from organic vegetable growing to beekeeping. Many smallholders sell directly to consumers through farm shops, markets, or subscription boxes. A horticultural mortgage can help by:
Smallholdings are often family-run enterprises with fluctuating cash flows. A flexible horticultural mortgage can be structured to align with seasonal income patterns, giving smallholders peace of mind.
Many farms are diversifying into horticultural activities to increase profitability and mitigate risks associated with traditional farming. This might include market gardens, specialty crops, or cut flowers. Finance packages can be tailored to:
Some rural properties have legal restrictions known as agricultural ties, meaning they must be occupied by someone working in farming or horticulture. Traditional lenders can be reluctant to finance these properties, but specialist brokers like Gable Asset Finance understand their value and can match applicants with lenders willing to provide suitable mortgages.
Horticultural mortgages are not limited to purely horticultural businesses. Rural enterprises such as farm parks, outdoor activity providers, and businesses running workshops on horticultural skills may also benefit from specialist finance. These businesses often combine hospitality, education, and farming, requiring tailored finance solutions.
A family-owned garden centre in the Midlands wanted to expand its site to include a café and children’s play area. Traditional lenders were reluctant to provide finance due to the agricultural tie on the property. Gable Asset Finance arranged a horticultural mortgage with a specialist lender, securing £1.2 million over 20 years. The expansion increased visitor numbers by 40%, generating additional income streams and securing the long-term future of the business.
An established orchard in Somerset approached us seeking finance to build a cider production facility. They required £600,000 to fund building works, equipment, and marketing. By refinancing their existing debt with a horticultural mortgage, they released the necessary equity. Within two years, cider sales became a significant revenue stream, reducing reliance on wholesale fruit prices.
A smallholding in Yorkshire wanted to diversify into horticultural education, offering workshops on organic gardening and sustainability. With a horticultural mortgage of £250,000, they built a classroom, installed renewable energy systems, and created visitor facilities. The workshops now provide an additional income stream and support community engagement.
Not all high-street banks understand the nuances of horticultural and agricultural businesses. Specialist lenders work with brokers like Gable Asset Finance to deliver finance packages that match the industry’s unique needs.
Horticultural mortgages are usually secured against land, property, or other business assets. This security allows lenders to provide competitive terms, but businesses must ensure they understand the implications of using property as collateral.
Unlike short-term loans or bridging finance, horticultural mortgages are structured as long-term funding solutions. This allows businesses to spread repayments over many years, ensuring affordability and stability.
Repayment schedules can be structured to match seasonal cash flows, with options for interest-only periods, variable rates, or fixed terms depending on your business’s financial profile.
Any UK business or individual with a genuine connection to horticulture, agriculture, or rural land-based activities may qualify. This includes nurseries, orchards, smallholdings, farms, and rural diversification projects.
The amount varies depending on the value of the property, the level of security, and the applicant’s financial profile. Gable Asset Finance works with a wide panel of lenders to secure competitive borrowing amounts from £100,000 to several million pounds.
Horticultural mortgages are generally long-term products, with repayment terms ranging from 10 to 30 years. Options for fixed, variable, and interest-only repayments are available.
Yes. Refinancing through a horticultural mortgage can often reduce monthly repayments and release equity for investment in the business.
While many high-street lenders are reluctant, Gable Asset Finance works with specialist lenders who are comfortable providing finance for properties with agricultural ties.
Yes. Most lenders will want to see a clear business plan, particularly if the funds are being used for diversification or expansion projects. Gable Asset Finance can guide you on what lenders expect.
At Gable Asset Finance, we are dedicated to helping rural and horticultural businesses access the funding they need. Our expertise ensures:
Horticultural mortgages are a vital financial tool for UK rural enterprises. Whether you run a nursery, orchard, farm, or rural property, Gable Asset Finance can help you secure the funding needed to grow, diversify, and thrive. With access to a wide panel of specialist lenders, we deliver tailored solutions that preserve your cash flow, support your long-term plans, and recognise the unique character of your business.
Get in touch today with Gable Asset Finance to discuss horticultural mortgage options for your business. Our team of rural finance specialists is here to guide you through every step of the process.