Farm purchase & rural property
Buying the home block, the neighbour's paddock, or stepping into your first farm. We structure lending that respects rural valuations and cycles.
Learn more →Farm finance specialists
Farm finance for the life you're building.
Property, equipment, agribusiness and rural lending. Straight-talking advice from a broker who knows agriculture from the inside.
Multiple lender panel
20+ years in agribusiness
Australia-wide
20+Years in banking & agribusiness
77.3%of new Australian residential mortgages now settle through a broker, not a bank.
Source: MFAA
Source: MFAA
AUWide service area
What we finance
Lending that fits how farms actually work.
Seasonal, irregular, asset-rich and time-poor. We structure finance around the cash-flow rhythm of a working farm, not a city pay cycle.
Equipment & machinery
Headers, tractors, utes, irrigators, sheds. Chattel mortgage, hire purchase or lease, structured around the asset and how it earns.
Learn more →Agribusiness finance
Working capital, livestock lines, seasonal overdrafts and growth funding for established and expanding ag operations.
Learn more →Dryland farming
Broadacre, grain, mixed cropping and livestock. Finance built around seasonal income and grain marketing realities.
Learn more →Horticulture & irrigated
Almonds, citrus, table grapes, vines, vegetables. Permanent plantings and capital-intensive irrigation funded with patient lenders.
Learn more →Refinancing & restructure
Consolidating debt, releasing equity, fixing a poor structure inherited from another lender. We map a cleaner path forward.
Learn more →About Farm Lending
Brokers who actually understand a farm balance sheet.
Adrian Hardie
Director and Senior Broker - Hardie Finance Group
Farm Lending is a service of Hardie Finance Group, founded by Adrian Hardie. 20+ years in banking and agribusiness, based in Mildura, working with growers across Australia.
We don't try to be everything to everyone. We do farm finance, we do it well, and we'll tell you straight when the deal isn't right.
More about us-
Ag-first thinking
We assess deals the way an ag banker would, then shop them to lenders that say yes to seasonal income.
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Multiple lenders, one application
Banks, non-banks, ag specialists, asset financiers, all competing for your business in one structured submission.
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Plain English, no jargon
Indicative numbers up front. No surprises in the fine print. We tell you what we'd do in your seat.
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Long-term relationship
We're here for the next refinance, the next purchase, the next generation. Not the one transaction.
How it works
Three steps. No drama.
Have a chat
Phone or email. Tell us what you're trying to do. Indicative numbers, no application required yet.
We structure it
We map the right loan structure, gather your information, then take it to the lenders most suited to your scenario.
Settled and sorted
We manage the lender, the conditions and settlement, and stay in your corner long after the loan funds.