The Agricultural Mortgage Corporation (AMC) offers financing specifically for farmers and rural businesses, with repayment periods of up to 30 years. Loan structures are tailored to suit the individual business with options to borrow on fixed and variable rates, as well as on an interest-only basis. 

Kitty said: “I’m delighted to have completed my training with AMC and to offer financing to rural businesses across the Penrith and Cumbria region. The terms offered by AMC are tailored to the needs of farmers, which is particularly important given that input costs such as fuel, fertiliser, veterinary medicines and energy are currently high and may continue to rise. Fixed-term loans can also be useful for those considering diversification or succession planning as well as land purchases, restructuring of existing debt and capital expenditure on property, including construction of sheds, slurry towers or a farmhouse. I look forward to working with rural businesses in the region to discuss their needs.”

Jo Lampkowski of AMC said: “We are really excited to have appointed Kitty as an AMC agent and to have Galbraith operating in England following the firm’s success as an AMC agent in Scotland over many years.  Living and working on a dairy farm Kitty has real insight into the challenges currently facing farming businesses and this puts her in a strong position to support farmers applying for borrowing.” 

Kitty Campbell continued: “This is a period of intense change for farmers, with the new policy framework set out to replace BPS and the evolving criteria for sustainable land use.  There are however significant opportunities for those who are prepared to grasp the nettle. Our clients have shown themselves to be resilient and adaptable and have achieved economies of scale or diversified into a range of additional projects alongside their core farming operations. Where we can make it easier for farmers to make their business plans a reality we will do everything in our power to help.”


Galbraith is one of the leading land agents in the north of England and Scotland, providing agency and advice covering land valuations, forestry, natural capital, farm and estate management, renewable energy, commercial and residential property, utilities and planning.



*There is always the possibility that interest rates may go down leaving a fixed rate loan at a higher level compared to a variable rate loan.  However, if interest rates rise, a fixed rate loan will remain at the same rate.


AMC loans available for business purposes only, provided on a secured loan basis.  Minimum AMC loan £25,001.  To meet customers requirements, lending criteria will vary. Lending is subject to status.