Farm Lending Canada Mortgage Lender Profile
Generally for Farmers, agribusinesses and rural property owners whose financing does not fit conventional lenders or Farm Credit Canada.
Who they are
Farm Lending Canada is an agricultural finance specialist launched in October 2023 as a joint venture between AgriRoots Capital Management Inc., an alternative lender focused on Canadian agriculture, and FamilyLending.ca Inc., a residential mortgage brokerage established in 2001. The business operates from Chatham, Ontario, and is licensed in Ontario, Alberta, British Columbia, Saskatchewan, Manitoba, Nova Scotia, New Brunswick, Newfoundland and Labrador, and Prince Edward Island. It works directly with farm operators and agribusinesses, and it also partners with mortgage brokers who want to serve agricultural clients.
What they lend on, and who for
The company finances farmland purchases, farm and ranch mortgages, rural residential and hobby farm properties, greenhouse operations, agri-business premises, equipment, operating capital, land improvements and renewable energy projects. It describes its offering as spanning traditional, alternative and bridge financing, and it also arranges succession and equity-release structures for farm families. Agricultural land, quota and outbuildings sit outside standard residential underwriting, so files typically come here when conventional lenders and Farm Credit Canada cannot accommodate the structure, timeline or income profile. There is no retail branch network; applications are handled centrally rather than at a branch.
How to approach Farm Lending Canada
You can contact Farm Lending Canada yourself; nothing stops you. What you cannot easily find out is what they will actually accept. What loan-to-value they will genuinely go to on your property, what exit they want to see, what the lender fee comes to, and how fast they can fund — none of that is published in full anywhere, and it moves.
A licensed broker who places files with lenders like this every week knows those criteria, and more usefully knows how to structure a file so it lands inside them rather than just outside. On anything that is not a straightforward salaried purchase, that structuring is most of the difference between an approval and a decline. It costs you nothing on a prime mortgage — the lender pays the broker when it funds.
| Lender type | Private · MIC · Agricultural |
| Operated by | FamilyLending.ca Inc. |
| Head office | 785 St Clair Street, Suite 200, Chatham, ON N7L 0E9 |
| Website | farmlending.ca |
| Phone | 1-844-833-3276 |
Get notified 90 days before your renewal
Your lender contacts you at 30 days, when you have no time to shop. We reach you at 90 — early enough to lock a hold and personalize your offers.
Borrower ratings for Farm Lending Canada
In today’s world, reviews dictate the service industry. Brokers have taken the hit for bad lenders. We bring the consumer experience to light to help borrowers decide.
How quickly did they issue a commitment and get to funding?
Was the rate you got competitive for the product you qualified for?
Could you reach someone, and did they resolve things?
Portal, e-signing, document upload, online account — did it work?
Were the terms, fees and penalties clear before you signed?
Worked with Farm Lending Canada?
Score them on the five things above. We confirm every review by email before it publishes, and we publish the bad ones too.
Questions about Farm Lending Canada
Is Farm Lending Canada a real mortgage lender?
Yes. Farm Lending Canada is a private (mic, agricultural) based in Ontario, part of JV of AgriRoots Capital Management Inc. and FamilyLending.ca Inc.. Its own site is farmlending.ca.
What kind of lender is Farm Lending Canada?
Private — categorised in our directory as MIC/Private (Agricultural). Equity lenders — the property matters more than the borrower. Short terms, higher rates, lender fees, and speed. Right for a genuinely temporary problem, wrong as a destination.
Who owns Farm Lending Canada?
Farm Lending Canada is part of JV of AgriRoots Capital Management Inc. and FamilyLending.ca Inc.. Ownership matters mainly because it tends to determine the funding source and, on a fixed mortgage, how the break penalty is calculated.
Should I go to Farm Lending Canada directly or through a broker?
You can approach them yourself. The reason most people do not is that a lender's real criteria — how income is read, what is accepted as documentation, what will be allowed as an exception — are not published, and they change. A broker who works with Farm Lending Canada regularly knows them and knows how to present a file to fit them, which on anything other than a simple salaried purchase is usually what decides the answer. On a prime mortgage it costs you nothing either way, because the lender pays the broker when it funds.
Would Farm Lending Canada approve me?
No profile page can answer that, and any site that tries is guessing. It turns on how your income is earned and how much of it a lender will count, your credit history, the property itself, and how much you need against what it is worth. Those are the questions a licensed broker asks before naming a lender — and they will tell you which ones realistically fit, this one included, and which would price it better.
Where does Farm Lending Canada lend?
Its head office is in Ontario. Lending areas change and are not always the same as where the lender is based — confirm current coverage with the lender or a broker before planning around it.
Would Farm Lending Canada take your file?
Send us the details and a licensed broker will tell you which lenders fit — this one included, and the ones that would price it better.
Send us the file