Business Details
Trusted Rural Mortgage Brokers in Bristol
Wall 2 Wall Finance has established itself as a trusted specialist in rural mortgage solutions, serving clients across England, Wales, Scotland, and Northern Ireland. With over two decades of experience, the company focuses on providing residential and commercial mortgages tailored to farms, smallholdings, equestrian properties, and agricultural-tied dwellings. Our team combines deep industry expertise with a flexible approach, offering competitive interest rates, simplified application processes, and personalized service. As a family-run firm regulated by the Financial Conduct Authority, we prioritise transparency, affordability, and client satisfaction.Our services cater to unique properties, including self-builds, barn conversions, and land with agricultural restrictions, while accommodating non-standard income sources. By bridging the gap between conventional and specialist finance, we deliver cost-effective solutions without excessive fees. Our directors contribute thought leadership through publications in national equestrian media, reinforcing our authority in niche mortgage markets. Whether financing a rural home or expanding a commercial farming operation, we provide expert guidance and regulatory compliance to ensure secure, sustainable outcomes for our clients.
Services
Residential mortgages
Equestrian mortgages
Agricultural tie mortgages
Commercial mortgages
Self-build mortgages
Highlights and features
- We have over 20 years of experience in rural mortgage lending.
- Our FCA regulation ensures full compliance and client protection.
- We offer competitive residential rates for farms and equestrian properties.
- Flexible affordability assessments incorporating earned and property-based income.
- No excessive fees typical arrangement fees from 195-895.
Associations and certifications
- Financial Conduct Authority
Services
Residential mortgages
We provide residential mortgages for rural properties including farms, smallholdings, and equestrian estates. These regulated loans offer lower interest rates and simplified applications compared to commercial finance. Our expertise ensures eligibility for properties others deem too commercial.
Equestrian mortgages
Specialist financing for equestrian properties ranging from private homes with paddocks to livery yards and racing stables. We offer residential solutions even with large acreage or commercial elements, plus commercial options for primary enterprise use.
Agricultural tie mortgages
Mortgages for properties with agricultural occupancy conditions, accommodating both working farmers and hobby smallholders. We arrange up to 90% LTV financing with flexible terms for restricted dwellings others may refuse.
Commercial mortgages
Tailored commercial finance for agricultural enterprises, equestrian businesses, and rural developments. Our packages include funding up to 100% with additional security, terms up to 40 years, and income-based affordability assessments.
Self-build mortgages
Development finance for self-build projects on agricultural or equestrian land. We support properties with planning permissions and occupancy restrictions, offering phased funding and flexible repayment structures for unique builds.
People
Ben Wall
Director
Ben Wall co-founded Wall 2 Wall Finance and specialises in rural mortgages. With over 20 years' experience, he contributes expert insights to national equestrian publications and develops innovative financing solutions for complex rural properties.
Questions
Can I get a residential mortgage for a farm?
Yes, we specialise in residential mortgages for farms and smallholdings, even when other lenders require commercial finance.
Do you offer mortgages for equestrian properties?
Yes, we provide residential and commercial mortgages for equestrian properties including livery yards, racing stables, and homes with paddocks.
What are agricultural tie mortgages?
These are mortgages for properties with occupancy restrictions requiring residents to work in agriculture or related fields.
Can I remortgage my rural property?
Yes, we arrange remortgages for farms, smallholdings, and equestrian properties to facilitate improvements, expansions, or debt consolidation.
What income types do you accept?
We accommodate self-employed, contractor, and bonus income, plus business income generated from the property itself.
Are there fees for your services?
We charge transparent arrangement fees from £195-£895 – significantly lower than most specialist rural mortgage providers.
