Secure lifelong financial solutions
Australia's Leading asset, residential & Agribusiness loan Brokers
- Get lending advice from the Best Brokers in the Country
- Home Loans, Asset Loans, Agribusiness Loans, Commercial Loans & Private Wealth Solutions
- 100+ years of Broking Experience
Compare Rates. No commitment. Strategic guidance guaranteed.
Broking Experience
Banks & Lenders
Lodged by Our Brokers
Secure lifelong financial solutions
Australia's leading Asset, residential & Agribusiness loan Brokers
AS SEEN IN
Helping farmers grow
sustainable businesses
what we finance
Machinery & Equipment Loans
Asset loan options for every asset you are looking to purchase.
- LEARN MORE
Agribusiness Loans
Agribusiness loans to finance operational expenses, expansion projects, equipment purchases and all other Agribusiness needs.
- LEARN MORE
Home Loans
Finance you new purchase or refinance your current mortgage at a better rate.
- LEARN MORE
Private Wealth
Personalised financial services and wealth management solutions for high net worth clients.
- LEARN MORE
key achievements
The Best Brokers in Australia
Best machinery & Equipment brokers
Best Agribusiness & commercial brokers
Best residential & Rural brokers
Best Private wealth Management solutions
Top tier broker status with all lenders
Australia's largest lending panel
Some of Our Trusted Financial Partners
Cultivating wealth from the ground up
Road block with your current bank?
Farmers’ Finance Australia understands your needs and then pairs you with the best suited lender. Expert advice across 110+ lenders – we are the partner that all farmers need to grow their business.
Enquire for Finance Now!
Get in Touch
We will explore your needs & understand your true longterm objectives.
Tailor A Loan For You
With access to over 110 lenders, you feel confident that we will secure the right loan solution for you and your farm.
Application Approval From Lender
We will work on your behalf to have you application Submitted, approved and managed completely through to settlement.
Your Finance Partner For Life
Having your loan settled is just the beginning. We will periodically review your loan and are a phone call away from helping you with ongoing financial strategy and support. We are your full-service finance partner for life.
You're looking to...
- I want to purchase
- I want to refinance
I want to Refinance
- back
I want to Purchase
- back
Stories of success
What Our Clients Say
“Can not recommend Farmers’ Finance enough, they made buying our first home possible with such a short time frame to work with. The FFA team got it done and we were able to settle on our home in 30 days. If It wasn’t for them we wouldn’t be in our beautiful home thanks again guys!” Tamworth, NSW
“Farmers Finance are incredible!! They helped us with finance for our new home in the country. The process was seamless from start to finish! The team at Farmers Finance are highly recommended by us.” Orange, NSW
“Ben from Farmers Finance was superb to deal with. From the start to the finish, he had a mammoth task of getting our loan over the line with a very limited time frame. He worked exceptionally hard and made it happen for us and the communication throughout the process from Ben and his team was of a very high standard. We would highly recommend Ben and the team at Farmers’ Finance!” Yarra Valley, VIC
“The team at Farmers’ Finance were extremely knowledgeable and efficient when helping secure a loan for a commercial property. They found us an excellent rate as well as being suitable for our future plans. Thank you Team! You'll be our go to for future investments." Toowoomba, QLD
“In a sea of brokers Ben was able to get done what many tried and could not. His infinite knowledge and method of dealing with hurdles was the only way I was able to get a recent purchase off the ground. I highly recommend Ben and the team at Farmers Finance for all things finance related.." Yarra Valley, VIC
Proudly Recognised
Award winning brokers
contact us
Lets grow together
Contact our specialist Residential & Agribusiness Brokers now and take advantage of our free service to maximise your potential!
Industry insights
our latest News & Insights
Farmers’ Finance Australia’s guide for regional first home buyers
Some of the team from Farmers’ Finance Australia.
Looking to buy your first home? Talk to the brokers at Farmers’ Finance Australia (FFA) to learn about ways to get into the property market while saving money.
In this, the second in a series of monthly newsletters to farmers, FFA offers insights into ways to save money by avoiding Lender’s Mortgage Insurance on deposits as low as five per cent, which can add a hefty increase on the purchase price of a home.
First-home buyers can gain significant benefits from speaking with a FFA broker.
FFA director Luca Catalano said the brokerage wanted to share its valuable knowledge for free.
Farmers’ Finance Australia loves doing business with farmers and people from regional towns.
“We want to give people a taste of what knowledge they can get from a broker,” Mr Catalano said.
FFA chief executive Christian Stevens agreed.
“Our team are not just knowledgeable about the finance and property market; they provide personalised advice tailored to individual needs and objectives,” Mr Stevens said.
“They guide first-home buyers through the entire process, from understanding their borrowing capacity to securing the best possible loan terms.
“Additionally, our brokers can help first-home buyers access various government grants and schemes, ensuring they make the most of every opportunity available to them. Buyers should come to FFA because we offer a comprehensive suite of services under one roof. We have the best asset, residential, commercial, agribusiness, and private wealth brokers in Australia all working together to provide holistic financial solutions.
“This means our clients benefit from a wide range of expertise and can receive tailored solutions that cover all aspects of their financial needs.
“Our integrated approach ensures that whether you’re looking to buy a home, invest in commercial property, or expand your agribusiness operations, you will receive the highest level of service and expertise.
The FFA team gather on farm.
“Beyond saving on LMI, clients of FFA can secure the best rates in the market, which is a significant savings over the life of the loan.
“Additionally, there may also be stamp duty exemptions, depending on the purchase price and other criteria.
“These savings can amount to tens of thousands of dollars, making a substantial difference to first-home buyers and other clients looking to maximise their financial efficiency.
“We have an expert team of brokers who specialise in first home buyer clients.”
FFA, in partnership with Australian Community Media, has a team of the leading 40 brokers and 60 support staff across the country who can help farmers navigate the often complex world of finance.
“At FFA, we believe in building long-term relationships and are here to support you every step of the way, from your first home purchase to expanding your investment portfolio,” Mr Stevens said.
- Email info@farmersfinance.com.au for more information and to see if you are eligible.
The RFHBG assists eligible regional home buyers to buy a home under the price caps shown. Greater capital city areas and the entire ACT are excluded.
Did you know: First home buyers can purchase with a 5 per cent deposit without paying Lender’s Mortgage Insurance?
About the scheme:
Good news for first home buyers and single parents wanting to buy a property: the federal government has issued a further 50,000 places in the Home Guarantee Scheme for the 2024-25 financial year.
The First Home Buyer Guarantee (FHBG) is part of the Home Guarantee Scheme (HGS), an Australian government initiative to support eligible home buyers to buy a home sooner.
It is administered by Housing Australia on behalf of the Australian government.
Housing Australia has authorised a panel of 30-plus participating lenders to offer the Home Guarantee Scheme (HGS) to home buyers.
That Home Guarantee Scheme includes:
- 35,000 places for the First Home Guarantee, which allows eligible first home buyers to purchase a property with a 5pc deposit without paying lender’s mortgage insurance (LMI)
- 10,000 places for the Regional First Home Buyer Guarantee, which is the same as the scheme above but applies to eligible regional buyers purchasing regional properties
- 5000 places for the Family Home Guarantee, which allows eligible single parents and single legal guardians to buy a property with a 2pc deposit without paying LMI.
Eligibility criteria: To apply for the FHBG, home buyers must be:
- Applying as an individual or two joint applicants
- An Australian citizen(s) or permanent resident(s) at the time they enter the loan
- At least 18 years of age
- Earning up to $125,000 for individuals or $200,000 for joint applicants, as shown on the Notice of Assessment (issued by the Australian Taxation Office)
- Intending to be owner-occupiers of the purchased property
- First home buyers or previous homeowners who haven’t owned or had an interest in a real property in Australia (this includes owning land only) in the past 10 years.
Property types and price caps: Under the HGS, home buyers can buy a residential property, including:
- An existing house, townhouse, or apartment
- A house-and-land package
- Land and a separate contract to build a home
- An off-the-plan apartment or townhouse.
Australian tractor sales worth $2.1b in 2023, despite drop in units sold
The value of yearly new tractor sales in Australia remains above $2 billion, despite the number of units sold coming back in 2023. The results were reported in the Tractor and Machinery Association of Australia’s annual State of The Industry Report, which delves into tractor and machinery sales at a granular level.
There were 13,344 tractors delivered across the nation last year, worth an estimated $2.1bn. This was a 25 per cent unit decrease on 2022 but only 7pc behind the national five-year average. Overall, the value of new units lifted by 1.8pc, which was predominantly driven by the sales of lesser horsepower vehicles decreasing.
Across the agricultural machinery market, turnover reached $5.9b last year, with greater harvester sales helping offset lower tractor numbers. There were 1061 combine units sold, which was 29pc up on the five year average. The overall value of combine harvesters and headers was $1.17bn. This was driven by a 110pc increase in class 10 combine units sold and 222pc growth in class 10 combine values. Class 8 to 10 combines now account for 88.5pc of all units sold and 90pc of value.
The self-propelled sprayer market grew and was worth an estimated $756m. Tillage and seeding equipment also improved and was valued at an estimated $510.6m.
The total value of balers, hay tools and windrowers reached $246m. This was underpinned by windrower sales, which had a 67pc increase on last year’s value, and baler sales, which were up slightly on 2022. Growth in baler sales was underpinned by large rectangle balers, which had 33pc growth on 2022.
TMA executive director Gary Northover said the report highlighted a return to more ‘normal’ national sales in 2023. “We were coming off the back of two very, very strong years (for machinery sales),” he said.
Buying behaviour also changed in the second half of 2023, due to the federal government’s instant tax write-offs, or temporary full expensing, changing to only applying to equipment priced at $20,000 or less, replacing the former unlimited price arrangement introduced during the COVID-19 pandemic. “Selling 12,000 tractors a year is still a good year,” Mr Northover said. “In those two years of 2021 and 2022 we got close to 20,000 sales (each year). “We think we’ll sell between 11,000 and 12,000 tractors this year. While this is well below the peak, it’s still a healthy year for the industry.”
Exploring how the various states and territories fared in 2023:
Queensland
There were 3222 tractor units sold in 2023, which was 22.8pc down on the previous year, but only 2.7pc back on the five year average.
Tractor sales were valued at $429 million, which was 6.8pc up on 2022 and 27pc higher than the five year average.
The area in Queensland that performed the strongest for year-on-year unit growth rate was Ingham, up 16pc.
Western Australia
There were a number of areas in WA that bucked the national trend of lower sales.
Bindoon in the Midlands reported 57pc growth in unit sales, while in the southern area Corrigin rose 43pc and Kulin 29pc.
Overall, there were 1391 units sold into WA, only 1.7pc down on the five year average.
Values were worth an estimated $379m.
Victoria
The strongest performing areas in Victoria were Warracknabeal, up 42pc, and Boort, rising 18pc. Overall, the state recorded sales of 3018 units, down 29.9pc on 2022 and lowering 17.4pc on the five year average.
Sales were valued at $417m, down 10.5pc on 2022.
New South Wales
NSW was the state with the highest overall sales at 3979 units. This was 26.4pc down on 2022 and 7.7pc back on the five year average.
Sales were valued at $672m.
The best performing areas were Forbes with 15pc growth year-on-year, Narrandera rising 8pc and Gunnedah up 6pc.
South Australia
The state performed relatively strongly for 2023 sales.
Saddleworth in the Mid North had significant year-on-year unit growth, up 60pc. This was followed by Kadina on the Yorke Peninsula, rising 49pc. The Eyre Peninsula also had spots with good growth, with the Tumby Bay area rising 35pc and Wudinna 40pc.
Overall, there were 1116 units sold, down 5.7pc on the five year average.
Tasmania
The value of tractor sales in Tasmania in 2023 was estimated at $54m.
There were 493 units sold, down 21.7pc on 2022.
Northern Territory
A much smaller market than the rest of Australia, only 125 units were moved in the Northern Territory in 2023.
The State of The Industry report is produced by global leader in data and analytics Kynetec.
April 2024 report
National tractor sales in the month of April were 12pc behind the same month last year with about 850 units delivered across the nation.
Queensland was down 13pc against the same month last year, to be 18pc behind year to date. NSW was down 22pc and is now 28pc behind for the year and Victoria was up slightly, 3pc, to be 18pc below last year.
Western Australia reported a small rise in April of 1pc, to be in line with the same time last year.
South Australia had another big drop down, 18pc, and is now down 24pc year to date.
Tasmania was off 42pc for the month with sales in the NT finishing 30pc down.
Sales of the 200hp (150kw)-plus range were the best with a 1pc rise on the same month last year, up 32pc year to date. The small under 40hp (30kw) category was down by 3pc for the month to be 28pc behind year to date. The 40 to 100hp (30-75kw) range was down 32pc and is now behind 35pc year to date. The 100 to 200hp (75-150 kw) category was down 6pc, to be 21pc off for the year.
“This mix of sales means that, whilst in volume terms the market is down on the same time last year, in dollar terms it is in fact up 14pc,” Mr Northover said.
“This highlights the approach many larger farmers take with their fleet replenishment strategies. Many machines are now being sold on three or five year leases, which are programmed into customers’ capital cycle so even though the agricultural market may experience some gyrations, we are seeing a more stable outcome when it comes to larger machinery purchases.”
Growing Your Business with Farmers Finance Australia: The Importance of Asset Finance for Equipment and Machinery
In the rapidly evolving world of agriculture, having the right equipment and machinery is crucial for maintaining efficiency and competitiveness. However, the cost of acquiring these assets can be a significant barrier. This is where asset finance becomes essential.
At Farmers Finance Australia (FFA), we specialise in providing tailored asset finance solutions that empower farmers and regional communities to thrive.
The Importance of Asset Finance
Asset finance offers a strategic way to acquire the necessary equipment and machinery without the burden of upfront costs. Here’s why utilizing asset finance through FFA is a smart decision:
- Preserve Working Capital: By financing your equipment, you can preserve your working capital for other essential operations, such as purchasing seeds, fertilizers, or managing day-to-day expenses.
- Stay Competitive with Up-to-Date Equipment: Agriculture is an industry where technological advancements can significantly impact productivity. Asset finance allows you to stay competitive by upgrading to the latest equipment without a large initial outlay.
- Tax Benefits: Asset finance can offer various tax advantages. Payments on financed equipment can often be deducted as business expenses, reducing your overall tax burden.
- Flexible Repayment Options: FFA offers flexible repayment terms that can be tailored to match your cash flow patterns. This ensures that your payments are manageable and aligned with your revenue cycles.
How Asset Finance Can Benefit Your Agribusiness
Investing in modern equipment and machinery can transform your farming operations. Here are some key benefits of leveraging asset finance with FFA:
- Increased Productivity and Efficiency: Modern machinery can perform tasks faster and more efficiently, allowing you to increase productivity and reduce labour costs. Whether it’s a new tractor, harvester, or irrigation system, the right equipment can make a substantial difference.
- Enhanced Profitability: By improving efficiency and productivity, modern equipment can lead to higher yields and better-quality produce. This, in turn, can enhance your profitability and ensure a better return on investment.
- Reduced Downtime: Newer equipment is less likely to break down and often comes with better warranties and support. This reduces downtime and maintenance costs, ensuring smoother operations.
- Environmental Benefits: Upgrading to newer, more efficient machinery can also have environmental benefits. Modern equipment often uses less fuel and produces fewer emissions, helping you maintain sustainable farming practices.
Accessing Equity in Unencumbered Equipment
Many farmers have valuable machinery and equipment that are fully paid off and sitting idle. Accessing the equity in these unencumbered assets can be a cost-effective way to raise capital compared to unsecured personal loans. Here’s how FFA can help you leverage this equity:
- Lower Interest Rates: Secured loans using your equipment as collateral typically come with lower interest rates compared to unsecured personal loans. This can save you significant amounts in interest payments over time.
- Unlock Hidden Value: By tapping into the equity of your unencumbered equipment, you can free up funds to invest in other areas of your business, such as purchasing additional livestock, expanding your operations, or covering unexpected expenses.
- Flexible Financing Solutions: FFA offers flexible financing options that allow you to use your existing equipment as collateral. This can provide you with the liquidity needed without the need to sell your assets.
- Streamlined Process: Our team of experts can guide you through the process of accessing equity in your equipment, ensuring a quick and efficient solution tailored to your needs.
Farmers Finance Australia: Your Trusted Partner in Asset Finance
At FFA, we understand the unique challenges faced by farmers and the critical role that equipment and machinery play in your success. Our team provides the best asset finance solutions tailored to your specific needs.
- Tailored Financing Options: We offer a range of financing options, including leases, hire purchase agreements, and chattel mortgages, designed to suit different business requirements.
- Expert Advice: Our brokers are experts in agribusiness finance and can guide you through the entire process, ensuring you make informed decisions that benefit your business.
- Flexible Terms: We provide flexible terms and competitive rates, ensuring that your repayments are manageable and aligned with your cash flow.
Investing in modern equipment and machinery through asset finance can revolutionize your farming operations, enhancing productivity, efficiency, and profitability.
Additionally, accessing equity in your unencumbered equipment can provide a cost-effective way to raise capital. Farmers Finance Australia is committed to supporting farmers with tailored asset finance solutions, helping you acquire the tools needed to drive your business forward.
Don’t let the cost of equipment hold you back – partner with FFA and unlock the full potential of your agribusiness.
For more information, contact Farmers Finance Australia or visit our website at farmersfinance.com.au
“5 Tips to Get Finance Ready”
1. Eliminate High-Interest Debts
Start your home loan journey on the right foot by clearing out any high-interest debts. This includes credit card balances, personal loans, payday loans, and any other form of debt that might be eating into your monthly budget.
Not only does this improve your credit score, but it also frees up more of your income to allocate towards a mortgage, making you a more attractive candidate to lenders.
FACT: $10,000 of credit card limit you have (not your outstanding balance), reduces borrowing capacity by $50,000!
2. Settle Your HECS Debt
If possible, pay off your Higher Education Contribution Scheme (HECS) debt.
Although HECS is not a ‘bad debt’ and doesn’t inherently lower your credit score, having it paid off can significantly increase the amount you can borrow.
Lenders consider your HECS debt when calculating your yearly obligations, and without it, you’ll have more borrowing power.
3. Establish a Savings Pattern
Demonstrating the ability to save consistently is gold in the eyes of lenders.
Start by setting aside a portion of your income regularly into a savings account – ideally using the governments First Home Super Savers Scheme (FHSSS)
This shows financial discipline and builds the necessary deposit you’ll need when applying for a home loan. The bigger the deposit, the less you must borrow, and the more favourable your loan terms can be.
4. Monitor Your Credit Score
Regularly check your credit score and review your credit report for any discrepancies or areas of improvement.
A higher credit score can significantly enhance your attractiveness as a loan applicant, potentially leading to better interest rates and more favourable loan terms.
FACT: Generally, credit scores from 580 – 669 are considered fair; 670 – 739 are considered good; 740 – 799 are considered very good; and 800+ are considered excellent. You want to have a good credit score as a minimum.
5. Consult an Experienced Mortgage Broker
A seasoned mortgage broker will be your greatest ally.
They have an in-depth understanding of the market and can offer bespoke solutions on the best loan products that suit your needs and objectives.
They will navigate the complex landscape of loan applications on your behalf, making the process smoother and increasing your chances of approval.
By following these tips, you will not only prepare yourself for applying for a home loan but also position yourself as a prime candidate in the eyes of lenders. Find out more by following @farmersfinance on Instagram.
We will post tips daily to help you better your finances. We are here to help. Our goal is to help you secure the best loan options that suits you. Don’t make any big decision without consulting a broker. Residential Brokers are a free service to save you money. So, what are you waiting for? Get started with Farmers’ Finance today!
Broker Market Share Rises to Record 74.1%
More and more home loan customers are using mortgage brokers, with brokers setting another market share record.
Mortgage brokers originated 74.1% of all new home loans in the March quarter, while lenders originated 25.9%, according to research by Comparator.
Broker market share has skyrocketed recently, rising from 69.6% in March 2023 to 52.1% in March 2020.
“Mortgage brokers offer personalised guidance and support throughout the entire home loan process, helping Australians navigate an increasingly complex lending landscape,” said Anja Pannek, CEO of the Mortgage & Finance Association of Australia, who commissioned the research.
“The value mortgage brokers offer their clients cannot be underestimated. They have brought choice and competition to the market, and act in the best interests of their clients.”
ANZ carves up beef price and profit myths: Shoppers are subsidised
Increased export sales mean Australian shoppers pay relatively stable and low beef prices.
Shoppers may feel they have had a bad deal from recent years of high supermarket food prices for staples such as beef, but in reality Australia’s taste for red meat is subsidised by our growing export trade.
Long term retail prices have actually remained relatively stable and modest compared to much greater price volatility endured by cattle producers, says the ANZ Banking Group.
However, while beef producers have copped greater burdens from a decade of increased gyrations in farmgate prices, they, too, are faring better than they might realise.
An ANZ report on the beef industry’s increasingly complex pricing and cost picture has noted while Australian farmers appeared to enjoy a smaller cut from the price consumers pay for food compared to their overseas peers, they made more profit from their farmgate prices.
Based on a long-running US Department of Agriculture “Food Dollar Series” comparison, supply chain data crunched by the United Nations Food and Agriculture Organisation showed Australian agriculture paid similar costs for labour, about 20pc less for imports and about 40pc more in taxes, but reaped higher operating surpluses.
The FAO data showed the Australian wholesale and retail sectors scored a bigger share of every dollar spent on food at 50 cents, compared to 46c in other countries studied.
However, while farmers here got 19c from every food shopper’s dollar, and processors took 18c, the global average for farmers was better at 22c.
Importantly, ANZ said despite big farm cost increases of late, jumping at least 30 per cent between 2020 and 2021, the beef sector, and livestock production in general, remained one of Australia’s lowest cost farm sector enterprises.
ANZ’s “Carve up” report also noted that while beef’s supply chain prices were now more volatile than ever, that volatility was also providing ample opportunities for producers to make the most of changing market trends, such as more demand for younger, lighter stock.
The report highlighted how global markets had become a key driver of a welcome overall rise in demand for Australian beef.
Conveniently, export orders had grown at the same time supermarkets had managed to “keep a lid on retail prices to maintain consumer demand”.
The report said simply looking at how the domestic retail price was distributed missed the largest part of the beef market picture – the 70-plus per cent of beef and veal exported each year.
Prior to 2014 farmgate and processor prices and retail values had all tracked relatively closely with each other, but as saleyard price categories became more volatile, consumer prices broke away from the producer payment trends.
This coincided with total export volumes and export prices growing significantly.
“This strongly points to Australia’s export markets being the major contributor to both farmgate and processor prices jumping away from retail,” the report said.
“In short, it could be said Australia’s export markets were subsidising relatively low and stable retail prices.”
A key factor had been changing domestic demand, and a shift from predictable saleyard returns to marked price jumps, and falls, starting around 2010.
Diverging cattle prices (per kilogram) between processor, feeder and restocker steers had become a notable trait of the market.
The increasing margin between the categories had provided an opportunity for producers to take advantage of selling younger lighter stock in a good season, encouraged by the growth in feedlots.
A record of almost 1.3 million cattle were now on feed in Australia.
“The ability to sell lighter cattle for a higher price per kilogram has seen producers rethink their production system,” the report observed.
“They now focus on producing a higher number of stock which grow rapidly to a saleable light or feeder animal category, with some building long term relationships with backgrounders or supplying feedlots direct.”
ANZ agribusiness head, Mark Bennett, said more complexity in the supply chain, and more volatility in pricing had created more opportunities for producers to diversify, reduce risk and take advantage of seasonal upswings.
“Beef isn’t what it was even just five years ago, when demand was driven by too few cattle on the ground. It’s now the opposite,” he said.
“Australia’s high herd numbers and a gap in the market left by the US drought, are leading to more demand for exports and continued upward pressure on domestic cattle prices.”
Mr Bennett said given the Eastern Young Cattle Indicator was currently trading around 25pc below trend, there “certainly is an expectation” strong export demand would put upward pressure on domestic saleyard and retail prices this year.
ANZ’s report also showed a division of profit breakdown after the farmgate, which suggested the whole supply chain was absorbing the relatively stable beef prices being passed on to consumers.
“Strong export prices are proving to be a useful offset for an industry seeking to maintain lower prices at the retail end,” he said.
“Today’s cattle industry might be more volatile, but there are big opportunities for the agile and responsive producer to make the most of any prevailing conditions.”
Andrew Marshall – Australian Community Media
