Frequently Asked Questions
1. What is Farmlife Release agreement?
FarmLife Release is a unique financial solution that allows UK farmers to access the value in their land through a lifetime release agreement. You receive a tax-free lump sum upfront, while keeping full rights to live on and work your land for the rest of your life. Ownership transfers only after your death, or if the agreement is extended or restructured by your family.
2. Do I still own the land?
You retain lifetime rights to your property, including the right to live on, farm, and manage it. Legal ownership of the land is transferred to a third party, but they cannot develop, sell, or take possession until the agreement ends (typically after your death or voluntary exit).
3. How much money will I receive?
The amount depends on a professional valuation of your land, minus a life interest calculation that factors in your age, health, and how long you are expected to remain on the property. Most farmers receive a significant tax-free lump sum, which can be used however they wish — debt clearance, retirement, family support, or reinvestment.
4. Is the payment tax-free?
Yes, in most cases the lump sum is completely tax-free, as it is not treated as income, a loan, or an inheritance. We recommend independent financial advice to confirm your individual circumstances.
5. Will I ever be forced to leave my farm?
No. The lifetime agreement legally guarantees your right to remain on the land for life, without the risk of eviction. This includes both your residence and any working parts of the farm, subject to the terms agreed at the start.
6. Can the agreement be extended to my children or spouse?
Yes — in many cases, your spouse can be included in the lifetime agreement, ensuring they are also protected. Your children or other family members may be able to extend the agreement after your death, although this would require a new valuation and structure, subject to approval by the investor.
7. Can I still farm and generate income from the land?
Absolutely. You maintain full operational rights, meaning you can continue farming, renting land, or running agricultural businesses from the property.
8. What if I need to move into care?
If you voluntarily vacate the property (e.g., to move into long-term care), the agreement may be brought to an end early or renegotiated. This would be handled with sensitivity and fairness, with clear terms agreed in advance.
9. Who provides the money?
The lump sum is funded by trusted impact investors who support rural communities and understand the long-term nature of the agreement. These investors do not take possession or interfere with your farm in any way.
10. What are the risks?
There is no debt, no repayments, and no interest. The main risk is misunderstanding the long-term nature of the agreement. That’s why we ensure all parties receive independent legal advice and have the opportunity to ask questions before signing.
11. Can I change my mind?
There is a formal cooling-off period before finalisation, and your solicitor will ensure you fully understand the agreement. Once signed and funds are released, the contract is binding.
12. Are there any fees?
There are no upfront fees for farmers. Legal and valuation costs are typically covered as part of the agreement process, or deducted from the lump sum. You’ll never be asked to pay anything out of pocket.
13. Do I need a solicitor?
Yes. To protect your rights and ensure transparency, all farmers are required to have their own independent solicitor throughout the process. We can provide recommendations if needed.
14. How long does it take to receive the money?
Once the valuation and legal checks are complete, the process typically takes 6 to 10 weeks. We’ll keep you updated every step of the way.
15. What types of farms are eligible?
We work with a wide range of properties, including arable, livestock, mixed-use, and smallholdings. If you have at least 10 acres and hold freehold ownership, we can likely help.
It may, depending on how the lump sum is used or held. We advise speaking to a financial advisor or benefits specialist before finalising the agreement to ensure you understand the impact.
16. Will it affect my benefits or pension?
17. What if I already have a mortgage or secured loan?
In some cases, existing debts can be paid off as part of the agreement using the lump sum. Each situation is assessed individually to ensure a suitable structure can be created.
18. Can I use this to expand or modernise my farm?
Yes. Many farmers choose to reinvest the money into their land, equipment, or diversification projects — such as holiday lets or renewable energy ventures. How you use the money is entirely your choice.
19. Who do I speak to for more information?
You can speak directly with a FarmLife Release advisor for a confidential, no-obligation conversation. We’re here to listen, explain, and help you make the right choice for you and your family.
👉 [Request a Call Back]
👉 [Get My Estimate]