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Rivendell Rural Finance
LIVE LIFE RURAL

Your expert rural finance mortgage brokers in Australia from 1 acre to 10,000 acres.

Rural finance Canberra specialists and trusted rural finance brokers NSW, providing acreage finance Sydney regional and beyond. We service all areas of NSW, VIC & QLD, offering rural home loans, hobby farm loans, lifestyle property loans, agribusiness farming loans and regional first home buyer finance.

How can we help you?

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Alison Smith, Principal, Rivendell Rural finance mortgage Australia

” Let us take away the stress and worry for your next rural finance home loans application. We love rural and acreage properties and are experts in this area. You are in good hands with Rivendell Rural Finance

Alison Smith, Principal, Rivendell Rural finance mortgage Australia
Alison Smith, Principal, Rivendell Rural finance mortgage Australia

” Let us take away the stress and worry for your next rural finance home loans application. We love rural and acreage properties and are experts in this area. You are in good hands with Rivendell Rural Finance

Alison Smith, Principal, Rivendell Rural finance mortgage Australia

Rural Finance Services

 Rural Land & Property Loans

 Rural Land & Property Loans
Rural Land & Property Loans

At Rivendell, we specialise in rural Finance services by helping our clients secure rural home loans for vacant land and established rural properties. We work with properties from 1 acre to 200 acres in size.

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 Hobby Farm Loans

 Hobby Farm Loans
Hobby Farm Loans

Hobby farms are becoming very popular, as clients are looking to make a move to the country and to run livestock or grow produce on their land but are not large scale farmers.

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Regional First Home Buyers

Regional First Home Buyers
Regional First Home Buyers

Buying your first home can be quite a daunting process. It can be even more difficult if you are a regional first home buyer where they may not be many services or local businesses/banks in your area.

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Agribusiness Farm Loans

Agribusiness Farm Loans
Agribusiness Farm Loans

We have a network of experienced and specialised agribankers who can work with us to provide advice and guidance, to assist with your agribusiness farming loan requirements.

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 Small Business and Commercial Property Loans

 Small Business and Commercial Property Loans
Small Business and Commercial Property Loans

Many of our clients are self-employed and while they wish to purchase a rural property or farm, they also have existing small businesses and commercial property needs.

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 Farm Equipment, Motor Vehicle & Machinery Finance

 Farm Equipment, Motor Vehicle & Machinery Finance
Farm Equipment, Motor Vehicle & Machinery Finance

This has been a great additional service, whereby we can obtain approvals for asset finance, when lodging refinance, property purchase and other loan applications, enabling our clients to have all their lending needs accommodated under the one roof.

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FAQ

How do I get rural finance in Australia?

Getting rural finance in Australia starts with understanding how lenders assess rural and regional properties differently to standard residential homes. Factors such as land size, zoning, property use (lifestyle, hobby farm or agribusiness), access to services, and income stability all play a role.

The first step is to speak with a rural finance broker who understands which lenders are active in rural areas and what their specific requirements are. You’ll typically need:

Proof of income (PAYG, self-employed or farming income)

Deposit details (often higher for rural properties)

Property information including land size, location and usage

Existing debts and financial commitments

A specialist in rural finance Canberra and across NSW can match you with lenders that offer suitable rural loan products, improving approval chances and loan structure.

What is the difference between rural and residential loans?

The main difference between rural and residential loans is risk assessment. Residential loans are designed for properties in metropolitan areas with standard zoning and easy resale potential. Rural loans apply to properties that are larger, zoned rural, or used for farming or lifestyle purposes.

Key differences include:

Land size limits: Many lenders restrict residential loans to properties under a certain acreage.

Deposit requirements: Rural loans often require higher deposits.

Valuations: Rural properties can be harder to value and may attract conservative valuations.

Lender choice: Fewer lenders offer true rural finance products.

Because of these differences, working with a rural finance broker NSW helps ensure the loan is placed with a lender experienced in rural and regional lending, rather than a standard residential bank product.

What are the top tips for financing acreage land?

Financing acreage land requires planning and the right advice. Here are key tips to improve your chances of approval:

Check zoning early: Rural, farming or lifestyle zoning can affect lender eligibility.

Understand lender land size limits: Not all banks will lend on large acreage properties.

Prepare a strong deposit: Larger blocks may require a higher deposit than residential homes.

Clarify property use: Be clear whether the land is for lifestyle, hobby farming or commercial farming.

Use a specialist broker: A broker experienced in acreage finance Sydney regional areas understands lender policies and valuation challenges.

Getting the right advice early can save time, reduce declined applications and help secure a loan structure that suits rural property ownership.

What is rural finance?

Rural finance refers to loan products specifically designed for properties located in rural, regional or semi-rural areas. This includes acreage properties, hobby farms, lifestyle blocks, working farms and agribusiness operations.

Unlike standard residential loans, rural finance takes into account factors such as land size, zoning, property usage and access to services. Because fewer lenders specialise in this space, rural finance is typically arranged through lenders with experience in regional lending or with the help of a specialist rural finance broker who understands rural property requirements and lender policies.

What are the requirements for rural finance in Australia?

Rural finance requirements in Australia vary by lender, but generally differ from standard residential loan criteria. Common requirements include:

Larger deposits: Rural properties often require higher deposits

Property zoning: Rural, farming or lifestyle zoning affects eligibility

Land size limits: Some lenders restrict the maximum acreage they will accept

Valuations: Rural properties may receive more conservative valuations

Income stability: PAYG, self-employed or farming income must be clearly evidenced

Because requirements vary significantly, speaking with a specialist in rural finance Canberra and across Australia can help clarify lender expectations early and improve approval outcomes.

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Rivendell Rural Finance, PO Box 398 Bungendore NSW 2621
1300 653 200 info@rivendellfinance.com.au

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Tips and Tricks to Get a Rural Home Loan

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