Agricultural farms are pivotal in Australia’s economy, offering immense financial opportunities for farm owners. By using agricultural properties as collateral, clients can secure the necessary funding to expand operations, modernise infrastructure, and drive long-term profitability. This approach allows borrowers to access the capital they need without disrupting ongoing farm activities.
Key Benefits of Investing in Serviced Apartments:
Mortgage Street provides tailored solutions specifically for the agricultural sector. Our loan products—Tolerant, Progressive, Receptive, and Liberal—are designed to meet the unique demands of agricultural businesses, offering competitive rates and flexible terms that align with clients’ financial goals.
Key Benefits of Agricultural Farm Collateral Loans
Flexible Funding
Borrowers can access larger loan amounts, enabling them to finance critical projects such as land acquisition, infrastructure upgrades, or equipment investments.
Improved Cash Flow
Farm owners can manage off-season expenses or invest in new farming technologies to enhance operational efficiency and productivity.
Tailored Loan Solutions
Mortgage Street’s loan products are customised to suit the specific needs of agricultural clients, ensuring that each borrower gets the right financial support.
Sustainable Growth
Leveraging agricultural farm equity helps finance the long-term growth and modernisation of the farming business, ensuring continued profitability.
Benefits to Mortgage Brokers Assisting Agricultural Clients
Specialised Knowledge: Mortgage brokers working with agricultural clients gain expertise in farm-based lending, ensuring they can offer tailored advice and find the best loan solutions for each situation.
Expanded Product Access: By partnering with Mortgage Street, brokers can offer clients access to a diverse range of loan products, helping them navigate complex financial needs with confidence.
Better Client Relationships: Offering specialised loan products strengthens brokers’ relationships with clients, positioning them as trusted advisors in the agricultural sector.
Increased Referrals: Satisfied clients are more likely to refer mortgage brokers who understand the unique challenges of agricultural financing, driving new business opportunities.
How It Works:
1. Farm Valuation: Mortgage Street evaluates the farm’s worth based on key factors such as location, size, condition, and revenue potential.
2. Tailored Guidance: Our accredited brokers help agricultural clients choose the loan product that best aligns with their specific financial needs and goals.
3. Flexible Terms: Clients receive financing solutions with terms that reflect their repayment capacity and long-term plans for growt
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Mortgage brokers can connect clients with Mortgage Street to explore their financing options and unlock the potential of agricultural farms as valuable collateral.
As Australia’s premier alternative lending solution, our mission is to empower our brokers to achieve their goals
Our goal at Mortgage Street is to provide you your customers with first-class service and innovative products to help you deliver solutions to your clients who don’t fit traditional lending criteria. But if your clients don’t qualify for a bank loan, Mortgage Street can always find alternatives. With 24 mortgage options available, we can help your customers find the right fit for their unique situation.
7 reasons why you should work with Mortgage Street
Mortgage Street is committed to providing a modern, efficient service to our clients. By distributing home loans through professional Australian mortgage brokers, we can offer a convenient and streamlined digital process that allows you to apply for a loan, submit documents, and track the progress of your application from the comfort of your own home.
Mortgage Street is committed to providing a modern, efficient service to our clients. By distributing home loans through professional Australian mortgage brokers, we can offer a convenient and streamlined digital process that allows you to apply for a loan, submit documents, and track the progress of your application from the comfort of your own home.
Mortgage Street is committed to providing a modern, efficient service to our clients. By distributing home loans through professional Australian mortgage brokers, we can offer a convenient and streamlined digital process that allows you to apply for a loan, submit documents, and track the progress of your application from the comfort of your own home.
A Mortgage Street accredited mortgage broker can help you to maximise your borrowing capacity by advising on the best loan structure and providing guidance on how to strengthen your application. This can be helpful if you have a complex financial situation or are self-employed.
If you are planning to purchase an investment property, a Mortgage Street accredited mortgage broker can help you understand the tax implications of negative gearing and advise on the best home loan options to suit your goals.
A Mortgage Street accredited Mortgage brokers have access to a wide range of lenders, including those that may consider larger loan amounts. This can be especially useful if you are looking to purchase a more expensive property or undertake extensive renovations.
Many lenders require mortgage insurance for home loans with a loan-to-value ratio (LVR) of over 80%. By working with a Mortgage Street accredited mortgage broker, you may access lenders that do not require mortgage insurance up to an LVR of 85%, saving you money on your loan.
To help you find what you’re looking for, we’ve grouped our lending criteria into key categories.
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Mortgage Street focuses on what you and your customer needs.Submit a scenario now and we’ll help you every step of the way
Helpful guides & forms
- MSt 001 Customer Information Collection
- MSt 002 Payroll Authority form
- MSt 003 Loan Scenario form
- MSt 007 Applicant details verification
- MSt 011 Lo-Doc Declaration Accountants Verification
- MSt 012 Full Partial Discharge Authority
- MSt 013 Rate Review Form
- MSt 014 Gift Declaration Form
- MSt 015 Direct Debit Request
- MSt 028 Buying Your First House
- MSt 063 Bespoke broker premium
- MSt 067 Everyday transaction account
- Loan Application Documentation Checklist
- MSt 134 Request for Hardship Assistance
Don’t let your unique situation hold you back, explore the all mortgage options offered by Mortgage Street.
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FAQ
What is the history of the land's use, and are there any environmental concerns?
To understand the history of agricultural land use and identify any potential environmental concerns in Australia, you can use the following resources:
1. State Land Titles Offices and Property Information : State-based agencies, such as NSW Land Registry Services, provide historical land records, including ownership, land use, and zoning, which can reveal past agricultural practices.
2. Environmental Agencies : Agencies like the Australian Government Department of Agriculture, Water, and the Environment offer reports on land use and environmental risks, helping identify concerns like soil degradation or contamination.
3. Soil Testing and Environmental Consultants : Conducting soil tests can provide direct insights into the land's condition, while environmental consultants can assess the risk of contamination from past agricultural activities.
4. Agricultural Land Valuation Reports : Professional valuers can provide a comprehensive history of land use and its suitability for farming, with details on potential environmental issues.
5. Local Councils and Historical Societies : Local councils may have records on zoning and land usage, while historical societies could provide insights into how the land has been used and any long-term environmental impact.
6. National and State Registers : Some states maintain registers that document significant agricultural land, which may include information about past farming practices and environmental sustainability.
What are the tax implications and potential subsidies or grants available?
To understand the tax implications and potential subsidies or grants available for agricultural investments in Australia, consider exploring the following resources:
Australian Taxation Office (ATO):
- The ATO provides comprehensive information on tax implications for agricultural businesses, including deductions, concessions, and allowances that may apply to farming operations.
State and Territory Governments:
- State governments offer various financial incentives, grants, and tax relief measures to support agriculture.
Department of Agriculture, Water, and the Environment:
- This department offers grants for environmental projects and sustainable farming practices
Rural Financial Counselling Service (RFCS):
- Provides free financial advice and assistance, including information on available grants and subsidies.
Rural Assistance Authority (RAA):
- Offers financial assistance programs for farmers facing hardship or seeking to improve their farming operations.
Australian Government Grants and Assistance:
- The business.gov.au portal provides an overview of grants, subsidies, and funding options for agricultural businesses.
Farm Management Deposit Scheme (FMDS):
- This scheme allows farmers to set aside pre-tax income in good years to offset lower income years, providing tax advantages and financial stability.
What are the zoning regulations and land use restrictions?
To check zoning regulations and land use restrictions for agricultural properties in Australia, borrowers and clients can consult the following resources:
1. Local Council Websites : Local councils provide zoning maps and regulations for properties within their jurisdiction. Examples include the City of Sydney and Brisbane City Council websites.
2. State Planning Departments : Each state has its own planning department responsible for zoning laws and land use regulations. Key sites include the NSW Planning Portal, Planning Victoria, and Queensland Planning.
3. Environmental Protection Agencies : These agencies offer information on land use restrictions related to environmental conservation. Relevant agencies include the NSW Environment Protection Authority and Queensland Department of Environment and Science.
4. Land and Property Information Services : Services like NSW Land Registry and Victorian Land Registry provide property details, including zoning information that may impact land use.
5. Planning Schemes Online : Many states and councils offer online tools where borrowers and clients can check zoning and land use regulations. Examples include the Queensland State Planning System and Victoria’s Planning Scheme Online.
6. Real Estate Agents and Property Consultants : Local real estate agents or property consultants can provide insights into zoning regulations and land use restrictions, particularly when purchasing or leasing agricultural land.
By consulting these resources, borrowers and clients can verify zoning and land use regulations to ensure that their agricultural operations comply with local and state laws.
What infrastructure is in place, such as fencing, buildings, and equipment?
Understanding existing infrastructure, such as fencing, buildings, and equipment, is important for mortgage brokers and lenders for several reasons:
1. Property Valuation: It impacts the property's value and affects the loan-to-value ratio.
2. Loan Risk Assessment: Poor infrastructure may increase costs for borrowers and impact loan repayment ability.
3. Operational Viability: Adequate infrastructure is essential for efficient agricultural operations, influencing investment needs.
4. Long-term Sustainability: Well-maintained infrastructure supports sustainable farming practices and long-term financial stability.
5. Regulatory Compliance: Infrastructure must comply with local zoning and safety standards, reducing legal and financial risks.
This helps brokers and lenders assess the borrower's needs and determine suitable loan terms.
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Frequently Asked Mortgage Product Questions
Key points
+LVR stands for the loan-to-value ratio. LVR is the amount of your loan compared to the Bank’s valuation of your property offered to secure your loan expressed as a percentage. Home loan rates for new loans are set based on the initial LVR and won’t change during the life of the loan as the LVR changes.
*Comparison rate: The comparison rate is based on a loan of $150,000 over the term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Loan applications, refinances and balloon amounts are subject to credit assessment.
Conditions, credit criteria, fees and charges apply. Based on Mortgage Street’s credit criteria, residential lending is not available for Non-Australian resident borrowers. Interest rates subject to change. Before making a decision, it’s best to read the terms and conditions.