Tailored Agri Property Loans - Leasehold, Freehold, Land, Farms

Specialists in commercial lending, we provide tailored loans to buy farms, additional land, and ongoing concerns, to invest in rural property, and other commercial property options. This financing can be complex. Our expertise and local l intel can be invaluable in delivering effective outcomes.

Farm, land, business finance.
Operator & investor loans.

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Commercial property rates and terms vary with the type of property, holding, and potential. With extensive lender market access, we offer greater opportunities to secure affordable funding which will deliver on ROI goals.

Save time and avoid the complexities of sourcing commercial property funding by simply trusting our experts to handle this for you. With our expertise in finance and local intel on the property market, farmers, producers and investors can rely on us to find their best solution. Our personal approach ensures you receive individual attention to your plans, with terms negotiated to deliver repayments in line with projected cash flow and turnover. All loans are tailored to ensure support for you and your farming operation to grow and achieve the expected results.

Call direct for an obligation-free chat, or connect via our online service for prompt, personal attention.

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Customised Finance Solutions | Agri Finance

Workable Agri Property Finance – All Real Estate Purchases

Our connections with banks and specialist non-bank commercial property lenders, enables us to secure appropriate loans at competitive rates, for all types and configurations of agricultural property.

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Custom Property Finance Solutions

Our key objective in sourcing agri property loans is focussing on our customer’s plans and securing funding which will see those plans implemented. Commercial property can be approved on up to 80% LVR, with typically variable interest rate loans. Applications are assessed on both the buyer’s credit profile and the value and inclusions. Interest and principal finance and interest-only loans are available. Terms are negotiated to deliver repayments in line with projected turnover. Connect with our specialist property finance brokers to discuss the opportunities we can secure for you.

Expand with Flexible Land-only Loans

Expanding by buying additional land is a common property transaction and can be more straightforward than financing a business. The loan is based on the land value and used as loan security. Valuations will be required.
Development plans to increase the asset value and create a productive holding are financed separately. Construction or development loans fund earthworks, dam building, fencing, and other works.
Call us now to discuss your specific purchase and financing options.

Affordably Buy a Farming Operation

Purchasing a dairy farm, cattle station, grain business, may include multiple parts. For example, land, structures, stock, machinery, goodwill, and assets. Finance may be inclusive, or as separate real estate and asset loans. Real estate loans include land and structures. If a residence is included, a combined commercial property and home loan may suit. Asset acquisition finance can fund machinery. Livestock loans can be either Trade Loans or Breeder Loans. Call now to discuss your purchase.

Personal Service from Agri Finance Experts

While finance for commercial property and business acquisitions can be complex, we provide a streamlined experience. From initial enquiry through to settlement, your assigned broker will be dealing with the details, handling the process, and the lender negotiations. You do not need a referral. Simply make the call to brief us, provide details of the property and the necessary documentation and we’ll take it from there to source your most affordable loan. Connect with us by phone or online.

Local Regional Intel, Australia-wide Services

With our lending market coverage, finance expertise, and local intel on regional markets, producers can trust us to deliver a workable solution. Your specialist property broker ensures your plans are heard, heeded, and addressed, and prompt, clear communication is maintained through the entire process. While our services are available throughout Australia, we have brokers in key areas, including Skye in northern NSW-southern QLD. Bringing a wealth of knowledge and local insights to your finance.

Investment Property Finance Structured to Suit the Strategy

Property is a very popular choice for investors. Investing in a thriving agricultural region may present good potential for long-term capital growth and/or short-term rental yield. The strategy adopted by the investor is a key consideration for our brokers when sourcing the most suitable financing.

Investment property finance varies from home loans and commercial property finance with rates typically higher than owner-occupier home loans. Investors may use equity in existing properties to secure better rates and terms on finance for commercial and residential investment properties.

Our local and national knowledge of the property market, and access to industry-level resources, can assist investors with valuable data to estimate potential rental returns and asset growth. Investing in property is very much a financial decision. Start by speaking with us to establish your loan options and to obtain conditional pre-approval. Call now or apply online!

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Freehold Farm Loans
Leasehold Finance
Land-only Financing
Development Site

Comprehensive Freehold Farm Purchase Finance Options

The purchase of a freehold, ongoing farming business can require a range of financing options. Our brokers address every purchase individually and advise buyers of the most cost-effective loan package.

The purchase may include land, residence, outbuildings and other structures. The sale may also include equipment and machinery, inventory, stock and supplies, and goodwill. Livestock may also be included in the sale.

The value of the land and buildings can be used as collateral for the loan. The turnover of the operation would be considered when lenders determine the LVR and the finance offer. Fixed or variable interest rates may apply, depending on the type of loan.

Options for financing may include:- property loan for the land and buildings; asset loans for machinery; unsecured business loan for stock, supplies and goodwill; and a separate loan for livestock. If considering buying a farm, complete the form to connect with one of our brokers for advice on the suitable financing package.

Cost-effective Financing for Leasehold Agricultural Properties

Buying a leasehold involves purchasing a business operation and its assets, with a lease arrangement. The lease may be accepted as loan collateral by lenders. The location, property use, type of operation, and potential would all be considered as part of the application assessment process.

The term of the lease would be a major consideration for lenders. Longer leases may be seen as more secure and attract better rates and more flexible terms.

Separate finance packages may be required to fund the complete purchase. This will depend on what is to be financed – land, structures, dwellings, equipment, and stock, fixtures and fittings.

We individually handle all property transactions and source custom solutions to suit the purchase. Before committing to a leasehold purchase, speak with us about what the property will cost in loan payments. Request a no-obligation initial discussion by completing the form or calling us directly.

Use Land as Collateral for Affordable Acquisitions to Expand

Increasing grazing and growing capacity, diversifying into new crops, and increasing production output can require the acquisition of additional land. Where the opportunity presents to acquire adjacent or nearby acreage, our cost-effective financing solutions may make this a very astute and workable business decision.

Financing land only can be a more straightforward loan arrangement than funding fully operational properties. The land would be used as the collateral for the loan and to establish the loan-to-value ratio (LVR). Valuations would be required for the application. Lenders will typically have their choice of valuer.

Operators may use the equity they have in their existing residence or agricultural property as security against the loan for the new acreage. Land loans are typically approved with an 80% LVR – 20% deposit. Rates may be fixed for the initial term, variable or split.

Individually Structured Development and Construction Loans

Where a site is being acquired for development as an agricultural operation, funding may be secured for both the land purchase and the construction costs of developing the site. The land may be funded with a standard variable rate property loan. This type of mortgage is available with 20% deposit, LVR of 80%, and our competitive interest rates. Terms are negotiated by our brokers to best suit our buyer’s plans. We take into account the timeframe of the development and when the land will be on-sold.

The cost of the works to develop the site to the preferred use may be funded with a Construction Loan. These loans can be structured with a draw down account, or with funds made available to pay the contractor and builder invoices as required. Plans approved by Council or awaiting approval are required with the application form.

To discuss your options for development property finance, call or complete the form today.

Agri Property Finance FAQs

The type of farming operation may impact a loan offer, subject to individual lender criteria. Lenders would consider the performance and potential of the property, the market prices for the produce, turnover and other business figures when making loan offers.
When purchasing farming land that requires development works, separate loans would be required for the acquisition of the land and the cost of the earthworks and construction.
Leasehold and freehold loans can vary. Leaseholds would not provide the buyer with ownership of the property. A freehold provides ownership of the entire asset. The length of the lease may impact the rates and terms offered.
Repayment terms on commercial property loans are individually negotiated. The term offered may depend on whether it is a freehold or leasehold.
Real estate and livestock are financed with different funding products and arrangements. Typically the livestock and real estate would be funded under separate loans, but a package finance solution may be offered by some lenders.

Yes. Buyers may be conditionally pre-qualified for a farm loan by applying prior to an auction. Details of the property will be required for the application. Applicants may be approved for a credit limit to allow them to bid to that amount at the sale.
A loan to buy a dairy farm may vary. It may include an all-up package for land, livestock and assets, or separate loans for the land and buildings and machinery assets. All commercial property loans are individually structured and offered.
Yes. First-time farmers may be approved for a loan to buy a farm when meeting the lender criteria. Individual credit profiles, asset holdings, and income are assessed by lenders when approving loan applications.
Commercial property interest rates vary with the credit profile of the buyer, the lender, the size of the loan, deposit, and may vary with the turnover and potential of the operation.
No. Owner-occupier home loans and loans to purchase commercial agricultural property are different. Rates and terms differ, along with the deposit requirements.

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Tailored Agri Property Loans - Leasehold, Freehold, Land, Farms