EmCat Mortgages

Specialist Mortgage Advice

At EmCat Mortgages, we know buying a rural or equestrian property is more than a financial decision; it is a lifestyle choice.   Whether it is a smallholding, family farm or a home with land, we make the process simple and stress-free.

About EmCat Mortgages
At EmCat Mortgages, I understand that buying a rural or equestrian property is not just a financial decision. It is a lifestyle choice.  Whether you are looking to purchase your dream smallholding, a family farm, or a home with land for your horses, I am here to make the process as straightforward and stress-free as possible.

I’m Nicola the director and your dedicated mortgage adviser, with over 25 years’ experience helping individuals and businesses make smart financial choices. Based in Hampshire, EmCat Mortgages is a fully independent brokerage. This means I work for you, not the lender.

Our Services
Securing finance for non-standard or land-based properties can be complex.  That is where I come in. I specialise in raising funds for:

-Rural homes and country estates
-Equestrian properties
-Farms and smallholdings
-Land purchases
-Agricultural ties and unique planning situations

At our first meeting, whether in person or online, we will chat about your current situation and what you are hoping to achieve. I will explore over 300 mortgage options and come back with a personalised recommendation.   From there, I will take care of the application and keep everything running smoothly with the estate agent, solicitor and lender.

Why Choose EmCat
You Need More Than a Broker!

I live on an equestrian property in Hampshire with my partner Steve, our horses, dogs and cats. Between us we have five children and two grandchildren.  I compete in dressage with my horse Diesel, and love riding on the back of Steve’s motorbike. EmCat is named after my daughters, Emma and Catie.  I bring the same care and commitment to my clients as I do to our rural life. Whether you are buying, refinancing or planning something different, I will be by your side every step of the way.

Customers reviews
“Nikki made it possible for us to buy a plot of land in South Wales that we always wanted. We wish that we had got into contact with Nikki earlier than we did, before we had spoken to Nikki, we didn’t know the options out there for buying land. Nikki did everything for us, she completed the further borrowing on our mortgage and found us a lender to give us a mortgage to buy the land. She had kept us informed throughout the process and was very professional, Nikki is exceptional at her job. If we ever decide to re-mortgage, or get another land mortgage, we will definitely be getting in touch with Nikki. We would definitely recommend Nikki to anybody looking to buy land and although everybody’s circumstances are different, I’m sure Nikki would give you the best options to help you do this.”   C Jenkins