Finance for the land, from someone who grew up on it
Tractors, headers, machinery, utes and trucks, financed with repayments built around your season. A broker who understands a farmer does not get paid monthly.
I grew up on a wheat farm at Terry Hie Hie
Out past Moree, in the North West. My old man farmed, and I boarded at Farrer in Tamworth. I know what it is to wait on a season, to watch the sky, and to make the money from one harvest stretch to the next.
That is why I do farm and equipment finance differently. The national brokers can quote you a rate. What they cannot do is understand, in their bones, why a repayment schedule built for a salaried suburb does not fit a grower. I structure finance around how a farm actually earns.
What we finance
From the header that brings the crop in to the ute that runs the place.
New and used tractors of any size, financed with terms that suit the work and the season.
The big-ticket gear, structured so the repayments line up with when the crop comes off.
Seeders, sprayers, balers, chaser bins, spreaders and the rest of the kit.
Farm utes and dual cabs as business vehicle finance, the workhorses of the operation.
Grain trucks, tippers and trailers to move what you grow.
Silos, grain storage and irrigation, financed as part of the bigger plan.
One broker for the whole operation
Tractor, header, ute and truck, financed and structured together, not piecemeal.
How it works, and why it suits a farm
The structure matters as much as the rate when your income is seasonal.
A chattel mortgage means the asset is yours immediately, with the lender holding security until the loan clears.
Seasonal or annual repayments timed to harvest, not a bank’s monthly calendar.
For asset-rich, seasonal operations, options that lean on the asset and your conduct rather than a pile of financials.
With a chattel mortgage you can generally claim depreciation, the GST and the loan interest. Your accountant confirms the detail.
This is general information, not tax or financial advice. Eligibility, rates and terms depend on the lender and your circumstances.
Let's talk about your next bit of gear
A quick, no-obligation chat. Tell me what you need and when, and I'll structure the finance around your season.
Book a free chatMatty Teague, Mortgage and Finance Broker, Powered by Flint. Credit Representative 573962. Flint Group Pty Ltd ACL 488313.