# When should I use Farm Credit Canada (FCC)?

> Standard banks (A-lenders) generally stop at $1.5M and 10 acres for residential rates.

Category: Financing
Last verified: 2026-02-18
Source: https://ratellow.com/faqs/financing/when-should-i-use-farm-credit-canada-fcc

## Answer
Standard banks (A-lenders) generally stop at $1.5M and 10 acres for residential rates. If the property is a working farm with significant acreage and income-producing buildings (barns, silos), you should move to FCC. They offer specialized terms for agricultural producers that standard lenders cannot match, including longer amortization and seasonal payment structures.

## Related guide
- https://ratellow.com/guides/rural-agricultural-mortgage

## Sources
- CMHC Rural Underwriting — https://assets.cmhc-schl.gc.ca/sf/project/cmhc/pdfs/factsheets/new/cmhc-quick-reference.pdf
- B-20 Property Valuation — https://www.osfi-bsif.gc.ca/en/guidance/guidance-library/residential-mortgage-underwriting-practices-procedures-guideline-2017#2.4.2