Key Time to Invest in the Wake of Brexit

Jonathan Hird

Put your money where your mouth is and Invest to move your business forward.

You may have heard “get your business Brexit ready” more times than you dare think about. Whether you are looking to buy some land, carry out some building improvements or refinance any existing debts, now might be the time to do it. With base rates at 0.75% and fixed-rate money at a low, there may be no time like the present to borrow some money, says Jonathan Hird, Chartered Surveyor for H&H Land & Estates.

The Agricultural Mortgage Corporation (AMC) has supported the farming sector for more than 90 years and is committed, now more than ever, to see the agricultural sector thrive.

When borrowing through AMC, you can fix for the full length of the term from 5 years up to a term of 30 years. AMC is committed to you for the length of that term, with no risk of changes to your loan facility, unless you wish to.

The loan can also be prepared to suit your needs, whether you start the loan on an interest only basis, allowing your business to become established with reduced loan payments and moving onto a capital repayment loan thereafter. You can also have part of the loan on a fixed rate and part on a variable rate loan, providing a loan facility tailored to your business needs. 

Jonathan Hird, Chartered Surveyor, H&H Land & Estates

Jonathan is keen to add that setting up a loan can be a daunting experience and is something which should not be rushed into:

“A key factor that lenders consider is to assess the cash generation of your business. The ability to service the loan after debt is a priority and the lender needs the confidence that the business will be able to manage the loan. Therefore, going through the loan application process should provide peace of mind that the loan facility that has been set up is able to be comfortably managed by the farming business.”


H&H Land & Estates has a team of specialist advisors, based across 9 offices, able to advise on this and many other rural matters.  Jonathan is the contact for AMC and is keen to see farmers investing in their enterprises and allowing their business to move forward.  If you wish to discuss borrowing through AMC further, please contact the Carlisle office on 01228 406260 and speak to either Tim Parsons or Jonathan Hird.

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What Our Customers Say

  • We found Andrew and Kathy to be extremely professional. They guided us through the whole process seamlessly. Cannot recommend H&H highly enough. Thank you.

    Rhona King

    28th February 2019

  • Friendly and professional service at all times. Great service. Tracey is fabulous.

    Saiorse Cosgrove

    10th September 2019

  • Excellent service from valuation through to completion. Very friendly staff and extremely professional. Thank you very much Andrew and Kathy in the Penrith office for your help. Can’t praise them enough.

    J Carver

    13th September 2019

  • Personal, professional and friendly, the team at H&H in Penrith truly give you five star treatment. They help you through all the issues which always arise when buying a property and give you peace of mind that everything is being dealt with. We would definitely recommend this great team and would use again in the future.

    Carol Edmondson

    15th September 2019

  • Thomas, Shirley & Alan, we would like to show you our appreciation for everything you did in the preparation and sale of the (now successful) sale of the farm. Thank you.

    The Hill Family

    1st November 2019

  • Over the past few months, I’ve been dealing with Jenna to sort out some issues with a tenant that left and to find a new tenant for my property. You’ve been the managing agent for my flat since 2005 and the service that Jenna has given me recently has been nothing short of superb. She has promptly answered questions, given me reassurance and generally been a godsend over a fairly stressful time. You have a tremendous asset in Jenna.

    J Rowe

    25th February 2020

  • From my first dealings with the valuer who came out to look at my property and telephone dealings with the staff in the office, I have had nothing but excellent service and I would like to thank them all for that. My biggest thanks must go to Gillian, who has helped me all the way from start to finish, she has gone beyond my expectations and helped me in every way possible, her enthusiasm and humour along with her professional service has made my experience of selling my property a very pleasant experience and for that I am very grateful.

    J Hill

    21st August 2019

  • Nothing but praise for the service offered by Andrew and Kathy at H&H King, Penrith. They really put themselves out, not only to ensure that we sold our house but also to find us a house that suited our requirements in the right area. We have no doubts that they are worthy of a 5* rating. N&T

    Neil McGeown

    1st October 2019

  • Thank you so much [Mike] for all your help with the Mid-Tier Application. I couldn't have possibly done it myself and it was such a relief to be able to hand it over to you.

    L. McArthur

    22nd August 2018

  • We are very pleased with the way you dealt with the Scroggs Wood programme. There seemed to be a number of difficulties, but you overcame all these problems and got the timber extracted in good time, and sold it well - we were delighted with the cheques we received. So we wish to thank you warmly for all your efforts, your expertise and your thoroughly professional approach.

    H. Summerson

    31st January 2020