AMC Funding

We are proud to work with AMC the leading supplier of long-term funding for the agricultural sector.

As AMC Agents, we can provide you with tailored funding to support most rural business activities. You’ll benefit from simple and affordable lending to support your consolidation, growth or diversification plans.

Who are AMC?
AMC have more than 85 years’ experience lending to the agricultural sector, specialising in long-term mortgages and loans for farms and rural businesses. It means they understand the challenges and opportunities impacting you and the whole agricultural sector.

The Benefits of AMC Finance
You will receive a swift response on your funding proposal and will also benefit from:

  • Competitive mortgage rates, with interest-only and repayment options available or a blend of both
  • Rates can be set for the life of the agreement, unlike many other secured loans or overdraft agreements
  • No annual reviews or the need to see annual accounts – we leave you alone to get on with the business of farming
  • No early repayment charges for variable rate loans
  • Finance secured against land as well as property to help you increase the capital you can raise
  • Loans and mortgage agreements can be transferred to the next generation
  • Access to AMC’s experienced and knowledgeable support teams who understand the sector’s unique funding needs
  • Funding decisions that can be approved in principal before you make a sealed bid or go to auction

Note: the above are subject to AMC credit criteria and your obligations to AMC continuing to be met.

Who Can Access AMC Funding?
Whether you are a sole trader, partnership, limited company or trust, providing you are an agricultural, horticultural, equine or other commercial land-based business you can access AMC’s competitive funding.

All lending must be for business purposes only and will be provided on a secured loan basis. It can be used to support a number of different opportunities, including:

  • Land purchase
  • New equipment or machinery
  • Building new or improving current structures
  • Diversification plans
  • New stock
  • Buying a farm tenancy
  • Refinancing current debt
  • Working capital support
  • Paying out a business/family partner to gain sole control

Type of Loans Available Through AMC
AMC’s tailored finance is structured within a simple core product allowing you to borrow from £25,001 upwards through a long-term standard-loan. Repayment terms are available between five and 30 years, with interest rates that can be variable or fixed*

* There is always a possibility that interest rates may go down leaving a fixed rate loan at a higher level compared to a variable rate loan. However, if interest rates rise, a fixed rate loan will remain at the same rate.

How can H&H Land & Estates help?
As an AMC Agent we have helped our clients find tailored and competitive agricultural loans through our relationship with AMC. We can provide expert guidance on your financial needs and a quick decision.  To discuss the options of borrowing from AMC and how they could assist you please call Tim Parsons on 01228 406260 or email us in complete confidence

NB AMC loans available for business purposes only, provided on a secured loan basis. Minimum AMC standard loan £25,001. To meet customer requirements, lending criteria will vary. Lending is subject to status.

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

  • 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.

    Louise McArthur

    22nd August 2018