Home & Property Loans
Get strategic advice from the best mortgage brokers in Australia.
How can we help?
- I want to purchase
- I want to refinance
- back
I want to refinance
Rated 4.9 out of 5 by our clients
4.9/5 • (234)
- back
I want to purchase
Rated 4.9 out of 5 by our clients
4.9/5 • (234)
what we finance
We can finance all types of
Home Loans & Property Loans
Construction
Construction Loans
Building your dream home or starting a new development? Our construction loan options provide staged payments and flexible drawdown structures to align with your build schedule. Whether it’s a custom build, knockdown-rebuild, or multi-stage project, we help manage costs while maximising borrowing power.
🔍 Get expert guidance through every stage of the build – from land acquisition to the final inspection.
👉 Speak with a broker today to secure flexible construction finance that keeps your project on track.
Downsizers
Loans for Downsizers
Looking to sell your current home and transition to something smaller? Our tailored downsizer loan solutions are designed for Australians ready to simplify without compromising on lifestyle. Access equity, manage cash flow, and take advantage of government incentives where eligible.
🏡 Whether you’re retiring or relocating, we’ll help you make the most of your next move.
👉 Connect with our team today to explore your downsizing finance options.22
First Home Buyers
First Home Buyers Loans
Buying your first home can feel overwhelming — but you don’t have to do it alone. We provide first home buyer loans with guidance on deposit requirements, government schemes like the First Home Guarantee, and LMI waivers on 5% deposits.
📘 We simplify the process from pre-approval to settlement, with brokers who know how to maximise your benefits.
👉 Chat with a broker today to get expert advice and step confidently into your first home.
Hobby Farms
Hobby Farm Finance
Dreaming of running a small-scale farming venture? Whether it’s for lifestyle or secondary income, we offer flexible hobby farm loans that support land purchases, infrastructure, and machinery.
🌱 Our team understands regional lending and can help secure finance even in non-standard postcode areas.
👉 Talk to us about funding your hobby farm with confidence and clarity.
Luxury Homes
Luxury Home Loans
Purchasing a prestige property? Our brokers specialise in securing luxury home finance for high-net-worth clients. We work across non-bank lenders, private banks, and bespoke loan structures to support multi-million-dollar residential purchases.
💼 From coastal retreats to urban residences, we tailor finance that reflects your lifestyle and asset base.
👉 Contact us for discreet, professional support with your next prestige property acquisition.
Residential
Residential Home Loans
Whether you’re buying your next home or refinancing, our residential home loans are built around your unique needs. We help you access competitive rates, streamline approvals, and understand your options across major and regional lenders.
🔍 With access to over 50 lenders, we find the right home loan for your property and profile.
👉 Book a call today and let’s make your next move a smooth one.
Rural Postcodes
Rural Home Loans
Buying in a regional or remote area? Many banks limit lending in rural postcodes — but we work with specialist lenders who understand rural property values and borrower needs.
🌾 Whether you’re relocating for lifestyle or investing in a regional hub, we’ve got the right loan for you.
👉 Speak to a broker about securing finance for your rural home with confidence.
Subdivision
Subdivision Loans
Looking to split your land or property into multiple titles? Our subdivision loans support you through planning, surveying, civil works, and staged release phases.
📐 Ideal for landowners, developers, or rural property investors looking to unlock value.
👉 Talk to us about subdivision finance tailored to your project and timeline.
Investors
Investor Loans
Whether you’re a first-time investor or expanding your portfolio, we offer property investment loans designed to optimise yield, leverage, and tax efficiency. We’ll help you understand interest-only vs P&I, loan splits, and trust structures.
📊 Backed by expert strategy and national lender access, we position you for long-term growth.
👉 Book a call with our investor lending team today and start building wealth with clarity.
Off The Plan
Off The Plan Loans
Buying an apartment or townhouse off the plan? Our team helps you navigate valuation risk, settlement finance, and lender approval timing with expert support every step of the way.
🧩 We guide you through everything from deposit structure to construction finance approval.
👉 Connect with a broker now to ensure your off-the-plan purchase is finance-ready.
OUR LENDERS
Just Financed
80 acres, cropping zoning, single dwelling
- Amount Financed:$708,000
- LVR:80%
- Term:30 Years
- Application Type:Residential finance
Background
clients referred by local friend were looking to buy an investment block interstate. The block was going to have the house rented the clients would move interstate to occupy the property. Finance was provided under a residential structure with tonger term, cheaper fixed rate to 2-years. Property had 2D aces, sepic, solariattery set up, single dwelling and sneddino.
248 acres, lifestyle property, 3x dwellings, extensive shedding
- Amount Financed:$4,900,000
248 acres, lifestyle property, 3x dwellings, extensive shedding
- Amount Financed:$4,900,000
- LVR:70% - 100%
- Term:30 Years
- Application Type:Residential finance
Background
Clients brief was to purchase a productive but small lifestyle block in the Upper Hunter, NSW. Clients main profession was in medico, however there was previous experience in running livestock and cropping. A property that offered a mixture of great arable country, as well as undulating wooded grazing country with a size of 248acres. We were able to draw equity out of another residential property to provide the required cash deposit to fund this farm at 100% secured between both assets. By funding this at 100%, a number of tax advantages were enhanced and this also left the client with cash in the bank to stock the block and have cash remaining for start-up and working capital needs.
124 acres, Land-only, building entitlement, no dwelling or shedding, water licence
- Amount Financed:$612,000
124 acres, Land-only, building entitlement, no dwelling or shedding, water licence
- Amount Financed:$612,000
- LVR:80%
- Term:30 Years
- Application Type:Residential Finance
Background
Clients were looking to purchase 124 acres inside a unit trust with the intention of running a small grazing and fodder operation. The farmland was purchased with a water licence attached to the property. We were able to include the water licence in the sale and fund the land purchase at 80%. The water licence was not needed in this instance for security. We funded this under a residential loan as there was a current building entitlement attached to the property contract. Property was stocked soon after settlement using an unsecured overdraft facilitated as part of this engagement too.
65 acres Lifestyle property
- Amount Financed:$14,400,000
- LVR:60%
- Term:30 Years
- Application Type:Residential Finance
Background
An existing High-Net-Worth client was looking to purchase a small lifestyle property in NSW. A property was sought and the funding was provided at 60% gearing (we could have moved higher to 70%) as there was a strong cash deposit from the recent sale of a business.
First Home Buyer, 12 acres, single dwelling, unimproved
- Amount Financed:$660,000
- LVR:95%
- Term:30 Years
- Application Type:Residential Finance
Background
Client was looking to purchase their first propertv. The original intention was to buy land-only but this was not going to allow the client to access First Home Buyer benefits. An existing home that needed renovation was purchased with land fundamentally unimproved Client was originally looking at larger land with now dwelling on it where funding would be been only at 70-80% (instead of 95%). By lending more and altering the intention, client could keep cash aside to immediately renovate the home, build a shed and stock proof the fencing. All additions will add significant value to the property and the clients equity.
Land and duplex construction
- Amount Financed:$1,464,000
- LVR:80%
- Term:30 Years
- Application Type:Land and Construction Finance
Background
An existing investor client came to us with the intention of funding a new and subdivision purchase and duplex construction. The investor had already secured the land prior to title being issued and already had all necessary build docs prepared (contract, specifications, plans). We funded the land settlement at 80%, interest-only and provided approval for the construction funding 12-months interest-only for the build with nother 3-years IO post completion.
Why Farmers Finance
First Home Buyers
We understand that purchasing your first home is a major decision with many unknowns. Our first home buyer services are designed to guide and educate you through the entire process.
Next home
Planning your next move? Whether you’re upgrading for more space, a better location, or other lifestyle reasons, our experienced mortgage brokers can help you smoothly navigate the transition.
Construction
Ready to build your dream home? Our construction loan services offer flexible financing options to bring your vision to life from planning and breaking ground to move-in day.
Industry Recognised
Award winning brokers
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
Frequently asked Questions
If you have any additional questions, you can email us at Ben@farmersfinance.com.au
Why use a broker and not go direct to the bank?
Do you know that bank is best suited for your needs now and in the future? Has your current bank manager just moved on and have no one to contact? Has your local bank branch recently closed? Do you have the time to go directly to 50 + different lenders yourself? If the answer is no to all or any of the above its best you take solace in reaching out to an expert Farmers Finance broker now.
Do you only lend to primary producers?
Whether you own a macadamia farming business or a cattle farm, agricultural finance helps with any kind of loan related to farming. Some of the related finance types includes rural property loans, equipment and specialty vehicle finance, agribusiness loans, livestock, seasonal on-off loans, grain, and most types of farm-related commodities.
Why use Farmers Finance?
Whether you own a macadamia farming business or a cattle farm, agricultural finance helps with any kind of loan related to farming. Some of the related finance types includes rural property loans, equipment and specialty vehicle finance, agribusiness loans, livestock, seasonal on-off loans, grain, and most types of farm-related commodities.
Can you provide home loans?
Whether you own a macadamia farming business or a cattle farm, agricultural finance helps with any kind of loan related to farming. Some of the related finance types includes rural property loans, equipment and specialty vehicle finance, agribusiness loans, livestock, seasonal on-off loans, grain, and most types of farm-related commodities.
How much does your service cost?
Whether you own a macadamia farming business or a cattle farm, agricultural finance helps with any kind of loan related to farming. Some of the related finance types includes rural property loans, equipment and specialty vehicle finance, agribusiness loans, livestock, seasonal on-off loans, grain, and most types of farm-related commodities.
let's grow together
Don't let opportunities pass you by
Contact our independent agribusiness brokerage now and seize the advantages waiting for you in Australia’s dynamic farming landscape!
