Cash Flow Based Rural Lending

Loan Purpose:

  • Investment & Business Purposes Only / Unregulated – a declaration will be required to this effect
  • Property Purchase
  • Debt Consolidation
  • Refinance
  • Working Capital
  • Farm Improvements

Maximum Loan Amount:

$10M in any one transaction at 65% LVR or 70% with stock mortgage

Minimum Loan Amount:


Serviceability Evidence:

Demonstratable income of 1.35 to 1 for servicing


Up to Five (5) years interest only
Up to Fifteen (15) years principal and interest repayments

Acceptable Security:

Rural on Eastern Seaboard for 1st party mortgage/borrowers. Company Applicants are also acceptable.


Interest Only monthly in arrears available or Principal and Interest


Will be required on all loans, as instructed by the investor/ mortgage manager – no re-assignments accepted. Valuation Fees will be payable by the borrower upon acceptance of the Prospective Approval Indication.


Each property must be insured for an adequate amount against damage or loss on a replacement basis by an acceptable insurer.

Unacceptable Securities:

  • Security that is not 1st Mortgage
  • Specialised farming operations
  • Leasehold property
  • Heritage Listed Property
  • Contaminated Sites
  • Remote or Unfavorable property


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