Products & Services

At Rural Finance our specialist agribusiness team can design a loan package to suit your individual requirements. And as part of the decision making process, we go on-farm to gain a complete understanding of your farm business needs.

We offer a range of financial packages to fund the acquisition, expansion and development of farm business, banking restructures, working capital, off farm investments, plant and equipment and housing.

We also offer a range of specialist services like General and Personal Insurance, Succession Planning and Estate Planning.

Loan Products

Loan Products Loan Products

We offer a range of competitive and flexible loan packages that are structured to meet the needs and requirements of diverse rural businesses.

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Investment Property Loans

Investment Property Loans Investment Property Loans

This loan is designed to provide finance to existing clients for the purchase of investment property where the asset is used as security.

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Housing Finance

Housing Finance Housing Finance

Our Housing Finance provides finance to existing clients to buy, build or renovate a dwelling for family or business use.

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Services

Services Services

We offer a range of specialist services like General and Personal & Wealth Protection Insurance, Succession Planning and Estate Planning.

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Young Farmers Finance

Young Farmers Finance Young Farmers Finance

Raising sufficient capital is a major problem facing young people who want to get established in farming. Against this background Rural Finance in association with the Victorian Young Farmers’ Finance Council and the Victorian Government has established the Young Farmers’ Finance Scheme.

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FAQ

Variable Rate Loans

Variable Rate Loans Variable Rate Loans

Our Flexi Loan is a variable interest rate product that allows you to make additional repayments at any time. The Flexi Loan may be up to 25 years with periods of interest only available.

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Fixed Rate Term Loans

Fixed Rate Term Loans Fixed Rate Term Loans

Are you looking for a loan with the certainty of a fixed rate?

Our Fixed Rate Term Loans are up to 25 years with the option of fixed interest periods from one to ten years. Interest only periods are available as well as flexible repayments structured to suit your income flow.

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Overdraft Facility

Overdraft Facility Overdraft Facility

Agcess is our overdraft facility that gives you access to funds 24 hours a day and offers a solution for your day-to-day trading requirements.

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Farm Management Deposits

Farm Management Deposits Farm Management Deposits

Farm Management Deposits (FMDs) are a tax effective risk management tool that farmers can use as part of cash flow planning to smooth out variations in income.

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Equipment Finance

Equipment Finance Equipment Finance

The quality of your farm or business equipment can make all the difference to your profitability. 

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Estate Planning

Estate Planning Estate Planning

Estate planning is much more than having an up-to-date will. A good estate plan ensures that your assets are distributed according to your wishes and protects your family’s interests.

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Insurance

Insurance Insurance

Managing risk is a key part of farming. That’s why we have flexible, cost-effective general and personal insurance options that can be tailored to give you the level of cover you require.

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General Insurance

General Insurance General Insurance

We can give you financial protection and peace of mind through a range of competitively priced, quality farm insurance cover that protects your farm assets.

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Personal & Wealth Protection Insurance

Personal & Wealth Protection Insurance Personal & Wealth Protection Insurance

When planning for your future, it’s important to consider how you or your dependants would cope financially if you were unable to work because you were seriously injured or sick.

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Signatures are signing off

Important information regarding your Rural Finance Agcess Visa Card:

The Industry Security Initiative, a collective of Australia’s major financial institutions and card schemes, has announced that PIN will become the main form of card payment authorisation in Australia from 1 August 2014.

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Security

Farm Management Deposit Offset Account

Farm Management Deposit Offset Account Farm Management Deposit Offset Account

Just as seasons and prices fluctuate, so does farm income. To better manage risk and strengthen your financial future, our new FMD Offset Account works hard to give you more options to manage your farm finances.

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