Landowners should therefore consider renewing their current borrowing or restructuring debt to take advantage of the historically low rates. Now is also a good time for farms and estates to consider borrowing additional funds to invest in alternative sources of income in order to spread their exposure to different markets, or to take hardcore debt out of an overdraft and onto a fixed-rate or variable loan – the cost difference is marginal and there is no annual fee. This could also be an opportunity for clients to choose a different lender that is more suitable for their needs, whether this is a ‘lend and leave’ approach or flexibility on when repayments can be made.