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RURAL LENDING ISN'T JUST ABOUT THE PROPERTY

Buying a farm? Expanding your rural operation? Refinancing existing debt? Purchasing machinery or managing seasonal cash flow?

Rural lending can look very different from standard residential or commercial lending.

Income can be seasonal. Property can have multiple uses. Businesses can operate across farming, livestock, cropping, horticulture and other rural industries. And the right lender can depend on much more than just the value of the property.

That's where we can help. We'll look at the bigger picture, understand what you're trying to achieve and work through the lending options that may be available.


RURAL FINANCE FOR WHAT YOU'RE ACTUALLY TRYING TO DO

RURAL RESIDENTIAL & ACREAGE

RURAL RESIDENTIAL & ACREAGE

RURAL RESIDENTIAL & ACREAGE

Not every rural property is a working farm.  


We can also help with finance for rural residential properties, acreage and lifestyle properties. 


 The important thing is understanding what you're actually buying and how the property will be used, because that can affect which lending options are appropriate

FARM PURCHASES

RURAL RESIDENTIAL & ACREAGE

RURAL RESIDENTIAL & ACREAGE

Looking to buy your first farm, expand an existing property or purchase additional land?


We can help you explore finance for:

  • Farm purchases 
  • Rural property acquisitions 
  • Additional acreage 
  • Expanding existing holdings 
  • Purchasing adjoining land 
  • Rural property refinancing 

The way rural property is assessed can be different from a standard resid

Looking to buy your first farm, expand an existing property or purchase additional land?


We can help you explore finance for:

  • Farm purchases 
  • Rural property acquisitions 
  • Additional acreage 
  • Expanding existing holdings 
  • Purchasing adjoining land 
  • Rural property refinancing 

The way rural property is assessed can be different from a standard residential property, particularly where the property is being used for agricultural or commercial purposes.

LIVESTOCK & EQUIPMENT

RURAL RESIDENTIAL & ACREAGE

SEASONAL WORKING CAPITAL

The right equipment can be critical to keeping a rural operation running.


Finance may be available for things such as:


Tractors | Machinery | 

Plant | Vehicles | Trailers | 

Agricultural equipment | Livestock


Whether you're replacing existing equipment or investing in something new, we'll help you work through the available finance options.

SEASONAL WORKING CAPITAL

SEASONAL WORKING CAPITAL

SEASONAL WORKING CAPITAL

Rural businesses don't always have a steady monthly income.


Cash flow can be affected by:

  • Seasonal conditions 
  • Planting and harvest cycles 
  • Livestock sales 
  • Commodity prices 
  • Weather 
  • Input costs 
  • Timing of major expenses 

Working capital can help provide funding through periods where expenses occur well before income is received.

We'll help you ex

Rural businesses don't always have a steady monthly income.


Cash flow can be affected by:

  • Seasonal conditions 
  • Planting and harvest cycles 
  • Livestock sales 
  • Commodity prices 
  • Weather 
  • Input costs 
  • Timing of major expenses 

Working capital can help provide funding through periods where expenses occur well before income is received.

We'll help you explore the options available based on your business and cash-flow requirements.

RURAL PROPERTY

SEASONAL WORKING CAPITAL

RURAL REFINANCING

Not every rural property is simply a home on a bigger block.


We can assist with finance for a range of rural property types, including:

  • Grazing properties 
  • Cropping properties 
  • Mixed-use rural properties 
  • Acreage 
  • Rural lifestyle properties 
  • Properties with agricultural improvements 
  • Rural residential properties 

We'll help you understand how the 

Not every rural property is simply a home on a bigger block.


We can assist with finance for a range of rural property types, including:

  • Grazing properties 
  • Cropping properties 
  • Mixed-use rural properties 
  • Acreage 
  • Rural lifestyle properties 
  • Properties with agricultural improvements 
  • Rural residential properties 

We'll help you understand how the property and its intended use may affect the lending options available.

RURAL REFINANCING

SEASONAL WORKING CAPITAL

RURAL REFINANCING

Your existing finance might have been appropriate when you first took it out. That doesn't necessarily mean it still suits where your business is today.


You may be looking to:

  • Refinance existing rural debt 
  • Restructure multiple facilities 
  • Review your repayments 
  • Access equity 
  • Fund improvements 
  • Purchase additional land 
  • Consolidate existing deb

Your existing finance might have been appropriate when you first took it out. That doesn't necessarily mean it still suits where your business is today.


You may be looking to:

  • Refinance existing rural debt 
  • Restructure multiple facilities 
  • Review your repayments 
  • Access equity 
  • Fund improvements 
  • Purchase additional land 
  • Consolidate existing debt 

A refinance review can help you understand whether there are other lending options worth considering.

RURAL BUSINESS FINANCE

RURAL BUSINESS FINANCE

RURAL BUSINESS FINANCE

Agriculture is a business, and sometimes the funding requirement isn't directly tied to the land.


You may need finance to:

  • Expand your operation 
  • Purchase another business 
  • Upgrade infrastructure 
  • Purchase stock or livestock 
  • Fund working capital 
  • Purchase vehicles or equipment 
  • Diversify your income 
  • Refinance existing business debt 

We'll help yo

Agriculture is a business, and sometimes the funding requirement isn't directly tied to the land.


You may need finance to:

  • Expand your operation 
  • Purchase another business 
  • Upgrade infrastructure 
  • Purchase stock or livestock 
  • Fund working capital 
  • Purchase vehicles or equipment 
  • Diversify your income 
  • Refinance existing business debt 

We'll help you work through the funding requirement and identify the types of finance that may be suitable.

Frequently Asked Questions

Please reach us at info@redi.net.au if you cannot find an answer to your question.

Potentially, yes. Rural property lending depends on the property, its use, your financial position, income and the requirements of the lender.


Potentially. Rural residential and lifestyle properties can be assessed differently depending on the property and how it is used.


Yes. Refinancing may be considered for a range of reasons, including restructuring debt, changing lenders, accessing equity or reviewing the existing lending structure.


Yes. Equipment and asset finance can be available for a range of agricultural machinery, vehicles and equipment, subject to lender requirements.


Seasonal income doesn't automatically mean you can't obtain finance. The way income is assessed can vary between lenders, so understanding lender policy is important.


There are a range of potential business finance options that may assist with working capital. The appropriate option will depend on your business, cash flow, existing debt and the purpose of the funding.


No. Rural lending covers a broad range of property and business situations, from rural residential and acreage through to established agricultural operations.


phone 0459493819EMAIL: info@redi.net.au

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