Which lenders would issue a mortgage to buy Alan Titchmarsh's stunning £3.95 million listed country home? 

by Aaron Strutt

Sep 08 2025

How to get a farmhouse mortgage to buy Alan Titchmarsh's stunning £3.95 million listed home 

There are numerous factors to consider when purchasing an expensive country house with land, particularly when seeking a multi-million pound mortgage. 

While there is a good choice of banks, building societies, and private banks offering larger mortgage loans, they can be picky about properties and the applicants and their finances.

Because Manor Farm House is a 17th-century high-value, Grade II listed home with land (4+ acres, outbuildings, special features, etc.) near Alton, Hampshire, lenders will be much more “bespoke” in their approach.

Aaron Strutt, product director at Trinity Financial, says: "Clearly this is a really stunning property and you would rightly assume most lenders would be keen to issue mortgages, but there are some complexities about the property that may put them off. More lenders are issuing competitively priced £1 million+ mortgages at the moment, and our brokers have a track record of getting country house mortgages agreed."

Some of the key issues with buying Alan Titchmarsh's stunning home include:

• Valuation issues: It seems likely the property valuer any lender sends to inspect the property is going to love it, but the listed status, outbuildings, gardens, and ancillary accommodation may complicate valuation.

• Deposit/equity: Lenders usually want a larger deposit / lower loan-to-value on high-value homes. Especially if the client needs to use a private bank or a more conservative lender, but Trinity's brokers have access to one private bank that would lend on this property with a 10% deposit, provided the client is wealthy enough. 

• Income & wealth: A Higher income is required; assets (investments, savings, other properties) will be scrutinised. For a £3 million mortgage, applicants will probably need to earn around £675,000.

• Affordability & stress tests: Interest rate rises, maintenance costs of a large home, listed property maintenance, etc, will be factored. For higher earners, it is possible to borrow around five times salary. 

• Private / High Net Worth (HNW) lenders: Not all lenders offer mortgages over say £2 million or £3 million, but many of them do. 

Which lenders can and do offer mortgages for properties in this price range

Here are lenders & types of providers that are likely to consider mortgages on such a property, and what their features are:

What documentation would you need to show?

To place a successful application on a property like Manor Farm House, you’d likely need:

1. Strong equity or deposit: Probably at least 10%-25%, depending on lender, possibly more. If you can bring 30-40% that gives more options.

2. Clear proof of income / assets: Salary, bonuses, investment income, perhaps trust income, foreign income if applicable. If self-employed, several years’ accounts.

3. Good credit history. Very clean up front.

4. Valuation reports: Given the listed status is grade two, this should not be an issue with most good lenders. 

5. Maintenance or running cost estimates: Lenders will want to see that the cost of owning (insurance, upkeep, listed building constraints) is manageable in your budget.

6. Flexibility in repayment: Some lenders require some capital repayment or will only allow interest-only or partial interest-only in certain circumstances. This is know as bullet repayments. 

Call Trinity Financial on 020 7016 0790 to secure a country house mortgage or book a consultation

The information contained within was correct at the time of publication but is subject to change.

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