Rivendell Rural Finance

16/06/2023

We are very excited to launch our new venture into Registered Lowline Cattle. We have been fortunate enough to receive a lovely group of registered cows from High Croft Lowlines. Exciting times ahead!

30/12/2022

The Rivendell Rural Difference...

With so many options when looking for a rural home or business loan, we are frequently asked:

"Why are you different to every other mortgage broker"?

In a nutshell, we specialise in rural and acreage property home loans and finance and when you specialise in something you get really good at it!

At Rivendell Finance we:
1. Love rural and acreage properties and helping our clients and our passion shines through in everything we do.

2. Have a level of expertise in rural and acreage lending that is second to none. We have an impressive track record and have been able to do deals others cannot. Our clients are our priority and we go the extra mile.

You can visit our website at www.rivendellfinance.com.au to see some of our client testimonials.

3. Are not "sales based" but rather "strategy focused". A home loan or small business loan is the end product, but the more important journey and process is getting to know you, finding out what your dreams and goals are and working with you on a strategy that you are excited about.

4. Aim to deliver practical, valuable and timely advice. We know your time is precious and we don't want to waste your time or stuff you around; and

5. Don't "lock" you into anything, push you into a product or loan or hassle you constantly. Everything with us is at your pace, without obligation and we find most clients get quite excited after our first meeting, where they cannot wait to get started!

12/08/2022

We are frequently asked "Why are you different to every other mortgage broker"?

In a nutshell, we specialise in rural and acreage property home loans and finance and when you specialise in something you get really good at it!

At Rivendell Finance we:

1. Love rural and acreage properties and helping our clients and our passion shines through in everything we do.
2. Have a level of expertise in rural and acreage lending that is second to none. We have an impressive track record and have been able to do deals others cannot. Our clients are our priority and we go the extra mile. You can visit our website at www.rivendellfinance.com.au to see some of our client testimonials.
3. Are not "sales based" but rather "strategy focused". A home loan or small business loan is the end product, but the more important journey and process is getting to know you, finding out what your dreams and goals are and working with you on a strategy that you are excited about.
4. Aim to deliver practical, valuable and timely advice. We know your time is precious and we don't want to waste your time or stuff you around; and
5. Don't "lock" you into anything, push you into a product or loan or hassle you constantly. Everything with us is at your pace, without obligation and we find most clients get quite excited after our first meeting, where they cannot wait to get started!

Rivendell Finance is your local acreage and rural home loan specialists. Our main services are Property Purchases, Refinancing, First Home Buyers. Enquire Now!

23/07/2022

Purchasing and Refinancing Hobby Farms and Lifestyle Acreage Properties

Moving to an acreage property or purchasing a weekender is a common scenario we help our clients with.

When purchasing or refinancing a property which is either a hobby farm or large acreage lifestyle property, below are some helpful tips:

1. Make sure you are working with a lender who will accept this type of property. We have a group of lenders who will work with properties from 1 acre to 200 acres.

2. Have a specialist in acreage and rural property finance run the numbers for you. We frequently get referrals from clients who had a preapproval, but not for this type of property size and type. These clients have been through the approval process with a lender and at the last minute, the property isn't supported, and they are in a mad rush to get an approval, so they can proceed with the property purchase. Getting it right the first time can reduce stress and anxiety and also save you valuable time.

3. Make sure you get the right loan type for your purchase or refinance. The difference between a residential home loan and a commercial loan can be significant, in terms of interest rate, loan term and costs. This type of property finance does require specialist knowledge and experience. The ability to work with lenders who do this all the time and have an appetite for acreage and rural lending is critical to securing the most appropriate and efficient loan.

4. When refinancing or consolidating debt, you can use available equity in a rural residential property. We have undertaken many debt consolidations, using equity in properties up to 200 acres, which have saved customers thousands of dollars a year, by paying out and closing expensive credit card and personal debt. Working with an expert in this area who understands all of the options, has excellent contacts with lenders and knows the specific policies and products can make a big difference.

With rising interest rates expected over the next 12 months, it has never been more important to have the most competitive home loan and to consolidate expensive personal debt, to free up cashflow and savings buffers.

If this article has raised some questions, please send us an email at: [email protected] or give us a call on 1300 653 200 and we will be more than happy to share our knowledge and experience with you. You can also visit our website at: www.rivendellfinance.com.au

Rivendell Finance ABN 36 162 165 540 is an Authorised Credit Representative of Australian Credit License Number 384704.

23/07/2022

What a great time at Rivendell Finance! We are helping clients everyday with home loans and finance for regional, acreage and rural properties.

We specialise in properties from a 1 acre block to a 1000 acre farm and all properties in between.

We work with a great range of lenders and have access to the most up to date products, rates and options.

There are no obligations and we offer a free scenario service, where we can share our knowledge and experience with you.

We specialise in the following:

1. Purchases of rural lifestyle properties ranging from 1 acre to 200 acres

2. Refinancing existing home loans for rural and acreage properties from 1 acre to 200 acres, including debt consolidation and releasing equity for home improvements

3. Purchases of vacant land, ranging from 1 acre to 1,000 acres, both residential and commercial lending. We also assist with construction loans

5. Purchases and refinancing income producing properties, from 100 to 1000 acres, including finance for farm infrastructure

Please contact Principal, Alison Smith on 0416 421 688 for a friendly chat.

If you prefer to send an email, please contact us at [email protected] or visit our website at www.rivendellfinance.com.au and fill out our enquiry form and we will be in touch.

Rivendell Finance are your experts when it comes to regional, acreage and rural properties and we look forward to hearing from you.

Rivendell Finance ABN 36 162 165 540 is an Authorised Credit Representative of Australian Credit License Number 384704

16/07/2022

Our new video🙂

23/06/2022

Good read👍

For those who want to super-size, there are options all around the ACT or across its borders.

28/05/2022

What a great time at Rivendell Finance. We are helping many clients obtain finance for regional, acreage and rural properties and are consistently achieving rates in the 2% and 3% range.
From a 1000m2 block to a 1000 acre commercial property and all properties in between, we can help.
We specialise in the following:
1. Purchases of rural lifestyle properties ranging from 1 acre to 120 acres as home loans;
2. Refinancing existing loans for rural and acreage properties from 1 acre to 120 acres, including debt consolidation and releasing equity for home improvements;
3. Purchases of vacant land, ranging from 2 acres to 150 acres, both residential and commercial lending. We also assist with construction loans.
4. Purchases and refinancing income producing properties, from 100 to 1000 acres, including finance for farm infrastructure;
5. Purchases of large rural residential lifestyle properties from 1 acre to 200 acres as home loans (non-income producing properties);
6. Purchases of regional residential and investment properties in NSW and ACT;
7. Small business loans for self-employed, including asset finance;
8. Agribusiness lending, for established farms or farm purchases;
9. Assistance with First Home Buyers, purchasing in regional NSW and ACT.
Please contact Principal, Alison Smith on 0416 421 688 for a friendly chat. There are no obligations and we offer a free scenario service, where we can share our knowledge and experience with you.
If you prefer to send an email, please contact Alison at: [email protected] or visit our website at www.rivendellfinance.com.au and fill out our enquiry form and we will be in touch.
Rivendell Finance are your experts when it comes to regional, acreage and rural properties and we look forward to hearing from you.
www.rivendellfinance.com.au
Rivendell Finance ABN 36 162 165 540 is an Authorised Credit Representative of Australian Credit License Number 384704

29/12/2021

Purchasing an Acreage Property...tips for getting a home loan

When purchasing an acreage property, we have found that the process can feel overwhelming and is something completely "new" for clients. Below are some helpful tips we have found useful for home buyers:

1. Use a lender who has a strong appetite for rural property . Not all lenders have the same level of comfort for rural and regional properties. Using the right lender can mean a smaller deposit, better interest rate, quicker approval process and more enjoyable and less stressful experience. It can make a world of difference.

2. Hire a good conveyancer or solicitor who is experienced with rural and regional properties. We cannot stress how important it is to have a "switched on" professional by your side. Rural properties can be more complex and have special features, such as rights of way, easements, special zoning requirements, different building envelopes and rules for vacant land, building certificates/Council approvals for older buildings/dwellings and the list goes on. Lenders have specific requirements for rural and regional properties which they will accept and provide a home loan for. We have saved many deals by identifying certain requirements of lenders and making sure these are met by working with the client's conveyancer or solicitor, which has resulted in a smooth approval process for a home loan.

3. Don't pay too much deposit. Different lenders/banks will mandate different deposit levels for the purchase of a larger rural/acreage property. The differences can be between a 20% deposit to a 50% deposit, and in some cases for a smaller acreage you may even be able to reduce your deposit to 10-15%. This can make a big difference to the price and type of property you can purchase.

4. Make sure your interest rate is as competitive as possible. In most circumstances, you should not have to pay any more interest for a rural/acreage property compared to a standard home purchased in a major city. For commercial or income producing properties, there may be a risk margin applied for business or agri lending. But for most residential properties, interest rates should be very competitive.

We could continue this list with many more items.....as specialists in rural and acreage properties, we are engaged day to day, week to week in nothing but securing home loans for clients looking for these unique properties.

If you would like to know more about the process, how to prepare for a rural property purchase, calculate how much you could borrow or have any general questions, do not hesitate to contact our Principal Alison Smith on 0416 421 688 or [email protected].

We can assist with any property from a 1 acre block to a 200 acre rural retreat. Commercial farms and income producing properties can also be funded via our small business and agri business lenders.

We also have a website: www.rivendellfinance.com.au if you would like to read more.

Rivendell Finance ABN 36162165540 is an Authorised Representative of ACL No 384704.

17/12/2021

Great block of land👍

Fantastic Lifestyle Block - Comprising approximately 100 acres and within a comfortable commute to both Canberra and Bungendore, this pleasantly undulating block offers a mixture of both grazing and bush, multiple paddocks, a decent sized dam and fantastic views! Build your dream home and live the l...