Rural Loans in Full Doc & Low Doc

Securing rural finance requires the expertise of a specialist team. Our consultants are able to package your loan application and present it to the most appropriate lender.

Commercial lenders will evaluate your application based on a number of criteria and we are able to assist you in guiding you through this sometimes complicated process.

Applicant type All types
Location & Acceptable Securities Major and well regarded rural areas.
Dairy farms, beef / cattle or sheep, grazing, mixed cropping – other on application.
Income: required proofs Full Doc – 2 years Tax Returns and Assessment Notices
Lite Doc – Borrowers income declaration. Accountants letter. Need to demonstrate you can service overall debt position (ie by PAYG Certificate; BAS statements etc etc).
Loan amounts Full Doc from $100,000 > 10 million.
Low Doc from $100,000 > 1 million.
Purpose Purchase, refinance, debt consolidation, working capital and farm improvements, Family Farm Transfers, Purchase additional water rights
LVR Full Doc Loans up to *60% LVR
*Irrigated farm or Acceptable Average rainfall above 585 mm per annum according to the medium rainfall for the district as recorded by the Bureau of Meteorology.
Lite Doc > 50% LVR.
Coded, non-coded, or either Non coded
Credit related issues Considered at higher rates
Variable, fixed or both Both
P &I, I/O, or both Both
Loan Term Full Doc > 15 years
Lite Doc > 15 years
No Doc > 1 – 5 years
Acceptance Fee From 0.5% to 1% of loan (depending on lender)
Application Fee 1% of Loan
Mortgage Insurance No Mortgage Insurance Payable
Lenders Legals At Cost
Valuations At Cost

Online Application Form

Fill out our online application form now to find out how we can help