How FarmLife Release Works

FarmLife Release (FLR) gives UK farmers a safe, transparent way to unlock the value of their land without selling up, downsizing, or taking on debt. Here’s how the process works step by step:

Step 1: No-Obligation Conversation

We start with an open discussion about your farm, your financial position, and your long-term goals. Every farm and every family situation is unique, so this stage is about listening and tailoring the agreement to you.

Step 2: Independent Valuation

A professional, independent valuation is carried out on your farm and land. This ensures a fair market value is established from the outset. You can also arrange your own valuation or seek a second opinion for peace of mind.

Step 3: Lifetime Discount Adjuster

Because you keep the right to live on and farm the land for life, a lifetime discount adjuster is applied to the valuation.

The size of the discount depends on factors such as your age, health, and the type of property.

This ensures you receive a large, tax-free lump sum today, while reflecting the fact that ownership only transfers in the future.

Importantly, this is not debt — there are no repayments, no interest, and no risk of repossession.

Step 4: Legal Lifetime Agreement

A legally binding agreement is drawn up and independently checked by solicitors to protect your rights. Key protections include:

Lifetime occupancy: You remain in your home and on your farm for life.

Full management rights: You continue to live on, work, and make decisions about your land.

Guaranteed security: The agreement is registered with the Land Registry, giving you complete legal protection.

Step 5: Secure Lump Sum Payment

Once the agreement is finalised, funds are transferred directly to you. The money is yours to use however you choose:

Pay off existing debt or loans

Invest in the farm or new business ventures

Support family members or succession planning

Retire with confidence

Step 6: Long-Term Security & Legacy

No forced sale: Ownership only transfers after your death.

Family options: In many cases, your family may extend or restructure the agreement for the next generation, subject to conditions.

Your legacy protected: You stay on the farm, safeguard your lifestyle, and preserve your land’s future.

Step 7: Transparency & Peace of Mind

Independent advice encouraged – we want you to take legal and financial advice before signing.

Clear terms with no surprises – everything is explained upfront.

Zero debt, zero repayments – unlike mortgages or loans, there’s no risk of arrears.

Example (for illustration only)

Farm valuation: £1,000,000

Lifetime discount adjuster: 35%

Tax-free lump sum released: £650,000

You keep full rights to your farm and home for life.