02077 143660 

Key Stages of Your AMC Application

1. Application

You will complete an application form with an AMC representative and provide supporting documentation for assessment - examples are trading accounts, evidence of additional income, planning consents, etc.


Upon receipt, our Applications Team will review and prepare your application for financial assessment and may contact you if additional information is required.

AMC will look at a number of factors to make sure we are providing the right product for you and that you can afford the loan.


Usual timing is around 10 working days from the Applications Team acknowledging receipt of your application to you receiving an offer, depending on the complexity of your proposal.

Tip: Please make sure you let us know if there are any key dates to meet.

2. Offer

If your application is successful we will issue a Loan Offer for you to review, sign and send back as your agreement to proceed. This clearly sets out the terms and conditions of the loan, including interest rates and charges.

Changing your Loan Offer before completion

We make our Loan Offer based on the information you have provided to us in the application form such as the loan amount, loan terms, security offered, etc. We do appreciate that sometimes these may change. If this is the case please contact us at this stage as changes later will add time to the overall process.


From the time we receive your accepted Loan Offer it usually takes around 3 months to complete your loan.

Tip: You should engage with your solicitor at this stage if you have not already done so.

3. Valuation

Upon receipt of your acceptance of our Loan Offer, we ask an AMC approved valuer to visit the property to ensure it is satisfactory to AMC and of an adequate value to support the loan.


Dependant on the type and nature of the security offered, a typical valuation report will be provided to AMC within 2 to 4 weeks.

Tip: Please ensure you have copies of any relevant planning consents, occupation/tenancy agreements available for the visit.

4. Completion

Following acceptance, our Advances team will send instructions as follows:

When new or additional security is required:
We will instruct your solicitor to commence the legal process and fulfil our requirements.

When new or additional security is not required:
In England and Wales, we will ask you to complete the relevant documents.
In Scotland, it is necessary to instruct your chosen solicitor.

Separate legal representation

On occasion it may be necessary for AMC to instruct its own solicitor to act for us. This will be for more complex cases and often requires additional time to complete the necessary due diligence. If separate representation is required, this will be clearly stated in the Loan Offer.

Final steps

Working with you and/or your solicitor we will complete our final checks and release funds when everything is received by us and in order.


Again, this is dependent on your specific loan but we generally advise that from the date of us receiving your signed Loan Offer it takes an average of 3 months to complete your loan.

Tip: Additional documents that need to be provided by third parties may increase timescales e.g. occupiers of your property or charges with other lenders. Notifying these parties at an early stage will assist a timely completion.

Should you need any more information, please feel free to contact us.

How much can you borrow?

Use our Mortgage and Loans Calculator to work out how much you could borrow to support your ambitions.

Mortgage Calculator

The benefits of an AMC Mortgage or Loan

  • Loans are available for most rural business activities.
  • A swift response to your proposal.
  • No annual renewal fees on standard loans.
  • Funding can be secured against land, as well as property. This enables increased capital to be raised, with the flexibility to extend the agreement terms at any time.
  • Loans and mortgages will not be ‘called-in’ upon death, and agreements will pass onto the next generation so long as obligations to AMC continue to be met.
  • We can provide decisions in principle before you make a sealed bid or go to auction.
  • Access to a knowledgeable relationship team, who understand agriculture’s unique funding needs.
  • More than 90 years’ experience and a real commitment to agriculture and the countryside.

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.

If you have a hearing or speech impairment you can use Relay UK. More information on the Relay UK Service can be found at: relayuk.bt.com.

Office hours are 09:00 to 17:00, Monday to Friday, excluding Bank and Public holidays.

Please note that any data sent via e-mail is not secure and could be read by others.

The Agricultural Mortgage Corporation plc, registered in England & Wales, no. 234742. Registered office: Keens House, Anton Mill Road, Andover, Hampshire, SP10 2NQ. Telephone: 02077 143660.

We adhere to The Standards of Lending Practice which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk and apply to businesses which have an annual turnover of no more than £25 million.

The Agricultural Mortgage Corporation plc is a wholly owned subsidiary of Lloyds Bank plc. Lloyds Bank plc is a member of Lloyds Banking Group. Lloyds Banking Group is a financial services group that incorporates a number of brands including Lloyds Bank. More information on Lloyds Banking Group can be found at lloydsbankinggroup.com.