Rural property loans

Rural property loans available for rural residential, rural, rural vacant land and rural income producing properties. Bank loans available according to LMI insurer policy up to 20 Hectares (24.74 Acr) rural property loans may categorize as rural lifestyle loan without LVR restriction. Up to 40 (98.84 Acr) Hect rural property loans allowed with LVR restriction where up to 50 Hect (123.55 Acr) vacant land can be acceptable with intention to build. LMi insurer accept up to $1000 paid default and also accept low doc applications up to 80% loan. Income producing rural property loans categorized under commercial mortgage facility for bank loans. For private bank loans we offer full doc, low doc and no doc loans only with accountant declaration. Defaults, arrears and bankruptcy considered case by case basis. For private lending rural property loans for non income producing properties with a house can be acceptable up to 75% LVR loan, if greater than 100 Avr loan is restricted to 55% LVR. For income producing rural property loans assessed case by case basis only for business purpose loans ( non coded).

The finance group have achieved 99% approval rates for any type of mortgages in past 7 years record because:

  1. We do a complete pre-assesment of the loan application to find best possible options for the client.
  2. We obtain all related veda reports and property reports upfront to safe guard the approval of the loan.
  3. Wehave access to all popular lenders in mortgage industry including 10 private lenders to assist the client with their loan requirements.
  4. We have created strong relation with our lenders through approval of our loans in pas years.
Rural property loans can be a very easy process to obtain if you have clear idea about lending policy and if you are aware what you are eligible for. Shopping for loan can create adverse record on your credit history and restrict you to obtain finance in future. We we strongly recommend to have a professional advice for your rural property loans.


Indicative offers for Rural Property Loans:

All rural property loans rates quoted bellow are subject to changed by lender. To find the appropriate quote for your no doc home loans please submit an inquiry to commence a free assessment process. All costs quoted are estimation only.

Interest rates

Bank rural property loans rates are available from 4.79% 4 years fixed rate and 5.09% variable rate.
Non bank private rural property loans
from 6.81% for full doc rural property loans @65% LVR
from 6.81% for Low doc & No doc rural property loans @65% LVR
Rates are higher for higher LVR rural property loans
Rates are higher depending on countable defaults and arrears for rural property loans


Rural lifestyle (10Hect), rural residential (up to 40 Hect), Rural property ( up to 40 Hect) Rural vacant land ( up to 50 Hect) rural income producing properties in any populous areas. Depending on lenders post code guide different lender categories property locations in different way and allocate maximum LVR for the location.
Vacant land is acceptable for eligible borrowers only depending on location of the property.
Please submit an inquiry to know maximum LVR available for your property location.


Minimum of 12 months. For 6 months -11 months ABN, trading statements are mandatory.

Maximum Loan amount Determined by degree of credit impairment, location of property and proposed LVR.

Rural property loans subject to LMI restricted to $1mil
Non LMI loans available up to $2 mil per security depending on location and LVR.
Please submit an inquiry to know maximum loan available for your property location.

Minimum Loan amount

$50,000-$100,000 depending on specific lender.

Credit history

  • 1 day bankruptcy considered with LVR and cash out restrictions.
  • Paid defaults up to $1000 ignored
  • Defaults listed >2 years not counted for rate load
  • Mortgage arrears count if not paid in 30 days.
  • Past 12 months credit inquires need to be explained.
  • All defaults and arrears need to be with acceptable explanation.

Depending on above lender assign impairment level and offer interest rate and maximum loan available.

Loan Term

2 years to 30 years

Repayment options

Principle and interest payment for O/O property. Interest only up to 5 years available at higher interest rate.
Up to 6 years interest only payment available for investment properties.

Valuation cost

Upfront valuation available at clients cost for most of the lenders. Valuation cost starts from $275 and differ depending on location and value of the property.

Cash Out and Loan Purpose

Unlimited cash out available up to 80% LVR loan.
Depending on degree of credit impairments cash out amount can be restricted.
Documentary evidence may required for higher amount of cash out.
Purchase,construction, refinance, debt consolidation, pay off defaults or tax debts, consolidate business and consumer debts, business or consuming purpose cash out are generally acceptable purpose of the loan.
Please submit an inquiry to check your eligibility to obtain a low doc home loan.

Risk Fee


  • Risk fee starts from 1% of the loan amount @65% LVR
  • Maximum risk fee is 2% of loan amount @85% LVR or
  • Depending on degree of credit impairments risk fee is 1.25%-1.75% @80% LVR
  • Depending on degree of credit impairments risk fee is 1.25%-1.50% @75% LVR

Subject to lenders assessment.

Our Brokerage

Negotiable depending on amount of loan, amount of work and complex nature of loan requirements.

Other costs

Other costs are quoted to client at cost by the lender. Legal cost, mortgage registration, documentation fees, title insurance, settlement fees altogether allow up to $3000-$4000 depending on the lender and current government rates.
Most of above we disclose on our credit quote after selecting the lender.
Some of the above are not ascertainable until the settlement agent quote for the costs.

Proof of Income

Full doc loans 2 years full financials with tax returns are mandatory. Notice of assessment is not required for some lenders.
Low doc bank loans 12 consecutive months BAS's is mandatory, recent 6 months trading statements may be required.
Low doc non bank loans 3-6 months trading account statement is mandatory.
No doc loans only accountant declaration and borrower's repayment declaration required.

Other supporting documents

Mandatory for all applicants:

  1. 100 point ID is mandatory for all applicants and guarantors for the loan.
  2. Asset and liability for need to be signed by all applicants.
  3. Most up to date council rates need to be provided for all properties.


  1. Most recent 6 months mortgage statements for all mortgages being refinanced.
  2. Most recent statements for other mortgages.

Debt consolidation:
If any other loans are consolidating client need to provide up to 6 months statement for secured or unsecured debts depending on the lender.
Cash out:
Depending on loan amount and percentage of cash out @ different LVR loans lender required acceptable documentary evidence.

  1. Fixed construction construction contract.
  2. Council approved Plan and specifications.
  3. Builders Insurance.

Lender may ask for extra documents during the assessment process depending on the strength of the application.
Please submit an inquiry to commence free assessment for your no doc home loan.

More about Rural Property Loans :

Self-employed applicants who have their ABN registered for minimum of 12months are eligible to get no doc rural property loans with accountant declared income. If business is registered for less than 12 months client will have to include another form of proof of income like trading account statement to become eligible for this type of no doc rural property loans. We wont need any BAS's or trading account statements if business is registered for minimum of 12 months. We consider both clean credit and bad credit applicants for full doc, low doc and no doc home rural property loans. We have premium interest rate offers for clean credit applicants, where bad credit applications considered depending on degree of credit impairment. Degree of credit impairment involve interest rate load. We also accept mortgage arrears with reasonable explanation. We are offering up to 75% LVR low doc rural property loans only with accountant declared income. For bank loans full doc applications are limited by loan amount and LVR depending on post code.
submit an inquiry to commence a free assessment process for rural property loans.

Our track records for Rural Property Loans:

The finance group have been helping clients in different states in Australia for past 7 years to obtain rural property loans. We have numerous clients in Sydney, Melbourne,Brisbane, Adelaide, Perth and all other state and Territories of Australia. We have resolved critical and complex financial needs of our client offering them rural property loans. Clients are happy with our service because we have access to wide range of lenders for rural property loans and we give clients all alternative options they have before they make an educated decision to have rural property loans.

From our experience we can advice that which rural property loans are most suitable solution for a client according to their present financial situation and loan requirements. As we have access to 10 different private lenders for rural property loans we always make sure clients get the best possible rate with minimum cost for finance. We also take full responsibility to assess and process the application and minimize all risks to get rural property loans declined. As a result we have achieved 99% approval rate for all type of mortgages.

Some times short term mortgages are suitable solution for some clients other than doing any long term rural property loans. We also have access to numerous private funds to have short term mortgage solutions when it is necessary to become eligible to obtain long term rural property loans.

Whatsoever is your financial situation, whatsoever is your loan requirements we request please submit an inquiry to commence a free assessment process for rural property loans.