Agribusiness Finance Australia | Agriculture

Agribusiness Finance Australia

Phone: +61 409 396 469

Add/Update information

Reviews

Tags

• Businesses
• Business service
• Financial service
• Agriculture
• Finance

25.01.2022 After its meeting today, the Reserve Bank of Australia has left the official cash rate unchanged at 0.25%. Read more about the decision here: https://www.rba.gov.au/media-releases/2020/mr-20-17.html We’re experts in helping you find the interest rate, product, features and flexibility you need for your mortgage, from a wide range of lenders. If you have any concerns about your loans, or your circumstances have changed and you would like a chat, please contact us. We’re here to assist and provide any guidance we can.

25.01.2022 Matt from our team recently had the opportunity to speak at an Industry Webinar on Banking post the Royal Commission. He talks through the key factors to managing a successful relationship with your bank and what the bank needs from you to optimise your business position for investment opportunities or extension of borrowing. You can watch the webinar here: https://grdc.com.au//grdc-farm-business-update,-online-top

24.01.2022 Comparing apples with oranges doesn’t make sense. To make finding the right loan easier, and to make advertised rates as transparent as possible, we have comparison rates. You’re looking for a great mortgage deal and you see an ad ‘3.8% INTEREST!’, underneath that is ‘7.9% comparison rate’. What does this mean? What is a comparison rate? A comparison rate aims to indicate the true cost of a loan.... A comparison rate is designed to help you understand the overall cost of a loan based on several relevant factors, rather than just the interest rate. Each comparison rate is calculated using a standard formula: Amount of the loan ($150,000) Interest rate Loan term (25 years) Repayment frequency Fees and charges such as Establishment, Valuation, Exit Costs, Mortgage Documentation and Settlement fees It also takes into account loans with a lower introductory rate that revert to a different interest rate after a set period of time. Why it’s important The goal is to help you make a more accurate comparison when considering different loans. Ensuring all lenders use a standard formula comparison rate makes it much simpler to hold two loan products side by side and see at a glance which one is the better deal financially. Why you need to be careful While comparison rates can be a good starting point, they’re not the only thing to consider. If your loan is going to be for $900,000, the comparison rate for your loan could be vastly different to the standard one. Loan features and benefits, short and long term goals, and product flexibility are just some of the other factors that need to be taken into account. Comparison rates are a very handy tool. It’s important, however, to look at a rate that is specific to your circumstances. One of our friendly Finance Brokers can do exactly that for you, and also ensure your goals, lifestyle and personal circumstances are considered before taking a loan. So why not contact us today to compare?

22.01.2022 Thanks Neil & Dianne for your feedback.....It was a pleasure to help you save thousands of dollars every year in Interest costs. We at Agribusiness Finance Australia this year alone have already saved our clients in excess of $1 Million dollars of Bank Interest. If you have been with your bank for a while or are continually getting a new Bank Manager or even being pushed into a centralised model with no service please give us a call - there are options and some exceptional d...eals available in the market - we will do all of the work for you. "When it came time to renegotiate a loan we were advised to contact Matt. Matt visited the farm, researched and negotiated a loan to suit our situation until it was fully set up. We were very impressed with his personal, friendly service which took away much of the stress of dealing with several financial institutions. We would have no hesitation in calling him again." Neil and Dianne Daniell

22.01.2022 How to ensure you aren't making these 5 common financial mistakes. https://www.moneyandlife.com.au//5-common-financial-mista/

22.01.2022 If you're spending more time at home lately, you might be in for an unexpected shock when you get your next energy bill. https://www.abc.net.au//how-to-deal-with-energy-b/12398138

19.01.2022 Creating new habits is hard. With these three simple steps you can be underway to building good financial habits in no time. https://www.moneymag.com.au/retrain-brain-bad-money-habits

19.01.2022 Today is #RUOKDay. It’s a simple question, but just asking it could lead to a conversation that changes someone’s life. Learn how to keep the conversation going at www.ruok.org.au.

17.01.2022 "The Reserve Bank of Australia has flagged keeping the official interest rate at a historical low for the next three years." With these incredibly low interest rates, now's a great time to review your loans. Send us a message to find out more.

16.01.2022 Think Changing Banks is too hard?.............Think Again. Some more great feedback from our clients. Thanks Di and Michael it was an absolute pleasure to work with you. From our first meeting with Matt, we found him friendly, efficient, honest, and interested in understanding our business, which gave us the confidence to accept his suggestions. His final analysis was incredible, so changing banks was made very simple. We supplied the relevant information, and Matt did the re...st. It is a pleasure to recommend him and Agribusiness Finance Australia. Michael and Di Smith Hart, South Australia. See more

16.01.2022 Agribusiness Finance Australia (AFA) turns one today, yes that’s right it has been 12 months since we started saving our client’s money. We’d like to thank all of our clients (both new and existing) and our families and friends for all of your support. Here are some of our highlights: 1. Team has grown from 3 staff to 7 with some more exciting news this year.... 2. We have negotiated in excess of $200M in Agribusiness Loans in the last 12 months. 3. We have saved our clients more than $2M in Bank Interest. 4. We have sponsored more than 15 local clubs/associations/events. 5. We now have clients in every State & Territory in Australia. 6. 100% of our clients would be happy to refer us to their family or friends. So if you are involved in Agribusiness and want someone who has access to multiple lenders and works for you to get the job done right, then give us call or drop us an Email, we’d be happy to talk with you. Matt, Michael, Liam, Geoff, David, Craig & Emily

15.01.2022 Does pausing payments affect your credit score? https://www.moneymag.com.au/payment-pause-credit-score

15.01.2022 We're with you throughout your life, providing financial solutions to suit your unique circumstances.

14.01.2022 Keen to save money on your domestic or business insurance? Want to ensure you have the cover you really need with the assistance of our qualified General Insurance Brokers? Contact us today.

13.01.2022 Here are 7 ways to ensure over spending isn't your undoing. https://www.moneyandlife.com.au//dont-let-overspending-be/

13.01.2022 We would like to introduce Geoff Brown to the team. Geoff has worked in the banking sector for over 35 years, predominantly with NAB before moving to Ruralco Finance and now to Agribusiness Finance Australia. Working in agribusiness finance for the last 17 years, Geoff has managed a mixed client portfolio across broadacre, horticulture, almonds, broilers/layers and grazing. Geoff specialises in all aspects of finance including lending, deposits, asset finance and home loans.... With a deep understanding of the agricultural sector, Geoff has spent much of his time on farm working with clients to achieve their desired outcomes. Geoff not only has an outstanding knowledge of Banking he also has outstanding Customer management and relationship ability which has been built up over time. Geoff has one of the most loyal customer bases in banking as evidenced by so many of his clients continuing to do business with him.

13.01.2022 House prices continue to rise and analysts say a severe shortage of homes is putting additional upward pressure on prices.

12.01.2022 We often only pay attention to student debt at tax time when we are reviewing our tax returns. Here's a bit more about how it all works.

11.01.2022 HomeBuilder has provided a shot in the arm to the housing sector, however increased demand has already pushed up the price of materials and labour. Have you experienced this in a recent build or renovation job?

10.01.2022 The events of this year have encouraged more of us to plan an exploration of our own backyard this spring and summer. Whether it’s to the bush, mountains or out on the water, we’ll all be spending more time out and about in our great country. The first step to your next adventure may be to buy a caravan, camper trailer, motorbike, boat or jetski - and we have a range of competitive finance options to assist and can even handle your insurance. Often more competitive than a p...ersonal loan, leisure finance also has flexible terms and can be structured to meet your specific needs. Need a car to get you where you’re going? While buying a new caravan or jetski can be exciting, you may need more grunt from your vehicle to get it to your destination and buying a car can be a drawn out and stressful experience. You may not be aware that we have access to a car buying service to find, negotiate and buy the car you’re looking for. We can find the car you want at a great price and have it delivered to your home or office for a test drive. We can even handle the trade-in of your old vehicle. If you’re keen to explore our wonderful country this summer, contact us first. We can apply to have your finance pre-approved allowing you to shop with confidence, knowing exactly what you can afford and letting you focus on more important things like planning the perfect local getaway.

10.01.2022 Here's Laura Higgins, head of moneysmart.gov.au, about why getting on top of your finances is so important for mental wellbeing.

10.01.2022 Storms have already caused damage across Australia this year. Here are eight simple things that you can do now to prepare your home and help reduce the potential damage caused by severe storms . https://www.ses.nsw.gov.au//simpl/prepare-for-a-storm-now/

09.01.2022 Call, email, or message us for more information.

09.01.2022 At its meeting today, the Board decided to maintain the targets for the cash rate. "In Australia, the economy is going through a very difficult period and is experiencing the biggest contraction since the 1930s. As difficult as this is, the downturn is not as severe as earlier expected and a recovery is now underway in most of Australia. This recovery is, however, likely to be both uneven and bumpy, with the coronavirus outbreak in Victoria having a major effect on the Victorian economy." You can read more from the RBA here: https://www.rba.gov.au/media-releases/2020/mr-20-20.html

09.01.2022 Are you a high income earner? Take out hospital cover with Astute Simplicity Health and avoid paying the Medicare Levy Surcharge* Contact us today or call the team on 1300 090 960 to find out more and to compare your cover.... *The Medicare Levy Surcharge is levied on Australian taxpayers who earn above the income tiers and do not hold an appropriate level of private hospital insurance. Other conditions may apply. See website for details. Health Insurance products are underwritten by St Luke’s Medical and Hospital Benefits Association ACN 009 479 618 (St.LukesHealth), a registered private health insurer, [trading as Astute Simplicity Health] and members are introduced by Astute Financial Management Pty Ltd or related entities (collectively known as Astute) for which Astute receives a commission.

09.01.2022 Astute Simplicity Health have recently extended their cover options, providing you with more choices to suit your lifestyle and finances. Contact us today to find out more or to get a quote.

08.01.2022 With interest rates at an all-time low, and many lender’s fixed rates lower than their variable options, locking in an interest rate on your home loan to guard against possible future fluctuation may be attractive. However, it pays to know the ins and outs of fixed-rate loans before committing to one. Fixed-rate loans usually come with a few provisos: borrowers may be restricted to maximum payments during the fixed term and can face hefty break fees for paying off the loan ea...rly or switching to variable interest during the fixed rate period. However, locking in the interest rate on your home loan can offer stability. Fixed rates are locked in for an amount of time that is prearranged between you and your lender. In addition, you might consider the possibility of arranging a ‘split’ loan. This option allows you to split your loan between fixed and variable rates either 50/50 or at some other ratio. This can allow you to ‘lock in’ a fixed interest rate on a portion of your loan, while the remainder is on a variable rate which may give you more flexibility when interest rates change and potentially minimise the risks associated with interest rate movements. Be aware that at the end of the fixed-rate term, your loan agreement will include information about how the loan will then be managed by the lender, usually to a ‘revert’ variable rate which may not be the lowest the lender offers. We understand that each person’s circumstances are unique. If you want more information on what type of loan might best suit your circumstances, please send us a message.

07.01.2022 Worried you're paying too much for health insurance? Contact us today to get a quote from our dedicated team who will make sure that you have the cover that suits your lifestyle and budget.

06.01.2022 Property auctions are full of terms that can easily confuse the uninitiated. You've got dummy bids, vendor bids, proxy bids and more. Here's a glossary of auction terms you should know before you start bidding. https://www.moneymag.com.au/glossary-auction-terms-definiti

06.01.2022 Further relief for those in need. If you have any questions or concerns about your loans, or what assistance might be available - please contact us.

06.01.2022 At its meeting today, the Reserve Bank of Australia decided to maintain the current official cash rate at 0.10%. If you're keen to review any aspect of your financial world, please contact us for an obligation free chat.

05.01.2022 Its all about Community and supporting our customers at Agribusiness Finance Australia.......We are so very proud to sponsor Skye Blacket from the Central District Netball Club for the year. Skye is a Legend at Wing Attack and we really appreciate the entire Blacket family for their support of our business. A big shout out to Skye's mum Claire who has kept us updated on the results every week - Thanks Claire........

05.01.2022 Pent-up demand from buyers around Australia is prompting rises in regional property markets across the country despite the pandemic recession. https://www.domain.com.au//regional-housing-markets-aroun/

05.01.2022 From toddlers to teens, there are money management skills you can teach your kids. https://www.moneyandlife.com.au//5-ways-to-set-your-kids-/

04.01.2022 Does home insurance cover you for storm damage or coastal erosion? https://www.moneymag.com.au/home-insurance-cover-storm-dama

03.01.2022 Do you know how much money you need to save by every age to retire happily? https://www.lifehacker.com.au//how-much-should-you-have-s/

03.01.2022 At its meeting today, the Board decided to maintain the current policy settings. Read more about it here: https://www.rba.gov.au/media-releases/2020/mr-20-18.html And remember if you need a hand with your loans, or just an ear to chat, let us know

03.01.2022 Want to sell your car faster? Auto photographer Easton Chang shares his tips to make your listing stand out

02.01.2022 Millions of households face higher energy bills this year as a result of stay-at-home orders, but there are ways to soften the blow. Here are three ways to prepare for a larger energy bill. https://thenewdaily.com.au//23/energy-bill-shock-coronavi/

02.01.2022 Did you know that 62% of SMEs believed they were unlikely to have the right insurance and nearly the same number admitted they had little to no understanding of liability insurance within the context of their business? Get the cover you really need from our team of specialists - contact us today. . . source: QBE SMEs and Insurance: A pulse check on risk trends for businesses report.

02.01.2022 If you decide to continue working from home after the pandemic, do you know if it is good or bad for your health in the long run? https://thenewdaily.com.au//2020/07/12/work-from-home-pros/

01.01.2022 Budgeting isn't always easy. What are your tips to budget effectively? https://www.abc.net.au//the-anti-budgeting-way-to/12445280

01.01.2022 Have you seen the recent car adverts promoting Guaranteed Future Value? It seems like a good idea, so what does it all mean? What should you be aware of? Simply put, this tactic attempts to leverage your fear that your new car will fall drastically in value, especially when your finance contract has a balloon payment (i.e. a large final repayment at the end of the finance contract). It also puts the dealership in a position to ‘control the second market’ by forcing you to co...me back to them for your next purchase, effectively giving you less choice and often under the guise of ‘supporting their brand’. If you are considering this type of guarantee, take time to review all your options and consider the following important points when making your decision: You may have less choice next time you want to trade this car as you must return to the same dealer. If you elect to go to another dealership, and your balloon payment is above the ‘real market value’, you may have a negative equity position and may need additional finance to assist paying the remaining debt. Dealers may seek to recover any shortfall in the ‘real value’ of the car by charging full retail price on your next purchase, accessories, finance etc. This means you may have fewer opportunities to negotiate on price as the money must come from somewhere! Generally all maintenance must be completed by the dealership’s workshop as a condition of the offer, often at a higher cost than competitors. There will be ‘return conditions’ on the contract capping kilometres travelled and allowing for only ‘fair wear and tear’ on the vehicle. Failure to comply will void the offer or may require you to pay a ‘make up payment’. There may be a ‘sunset clause’ - a date the guarantee offer must be taken up by or it will lapse. This may encourage you to consider upgrading your vehicle earlier than you would like to. Independent resources such as Red Book (www.redbook.com.au) can be used to see how specific car models depreciate over time and help ensure balloon values on finance contracts are realistic without locking into arrangements that may not suit you in the future. An experienced finance broker is well placed to assist you and will have access to a variety of finance options and structures that can be tailored to best suit your needs. So if you are considering upgrading or purchasing a car, contact us today!