Rural Lending


For most Australian farmers and graziers funding on commercial operations are usually borrowed from the major Banks.

The background to our firm is that of farming and grazing, and staff members have a passion for assisting our rural clients with either a refinance new property purchase or out of circumstances such as Farm Debt Mediation or Asset Management of the banks

Union Fidelity facilitates loans that fall outside the realm of the mainstream banking in two distinct lending areas:

1) Asset-Based- credit impaired - low income verification rural lending

2) Low Documentation for proof of income rural lending

Both of these types of rural lending involve "thinking beyond the square" to solve financial constraints for borrowers.

As a general "rule of thumb", due to the prolonged sale period for rural properties as compared to city property. Loans levels against the value of rural properties tend to be around 50-55% of the sworn valuation value of the property. In addition to this most lenders and investors will not consider the additional value of chattels that are located on the property such as trellises grape vines or the production of rural properties such as oranges or apple trees.

We have the capacity to deal in New South Wales, Victoria, Queensland and Tasmania, and have the staff and technology to make deals work....and rural lending is our passion.