If you are looking to buy Rural Property, we can help you with a home loan

Rural Property

In recent years, more people have been looking for a tree change and move away from the hustle and bustle of the big cities. Most banks are strict when it comes to rural property with land size greater than 10 hectares.

Professional Home Loans can assist rural property based on the following:

– 95% on Rural land up to 11 hectares in size

– 80% on Rural land up to 50 hectares in size

– 70% on Rural property with a dwelling up to 100 hectares in size

– Advice on postcode restrictions


Why is size such an issue?

Like all properties that banks use as “security” for your mortgage, they’re mainly concerned about “saleability”, that is, they want to be able to easily sell the property should you no longer be able to make your mortgage repayments.

It’s the reason why they will more readily accept a standard residential property on the standard block within 100km of a metro location. There’s simply a larger market available whereas for some rural locations, it may take weeks or even months to find a buyer.

And banks aren’t into speculative investing either! The bank is making money from the interest you pay on your home loan and won’t see any potential gain that you may be predicted from the purchase.

They will only look at the property at face value or as if they were going to sell it today and not ten years from now after some renovation work.


What is the next step?

With Professional Home Loans as your trusted mortgage partner, we specialise in navigating the complexities of rural property. We understand the importance of securing the financing you need to achieve your homeownership dreams, and we’re here to guide you through the process every step of the way.

There is no cost for our service and absolutely no obligation.

Contact us online or call 1300 55 44 97 today to learn how we can answer all your questions about getting a home loan on a Temporary Visa!

Free 30-Minute Finance Strategy Session For Professionals

Let us help guide you through the Home loan process.

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Getting a home loan was really simple with Professional Home Loans.

“We went overseas during settlement and it was not a problem for them, everything went smoothly and I’m writing this from my new home! “

Jack Clancy

– Physio
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Well done you made it easy with no BS.

“Couldn’t ask for a better job – until next time (although no time soon, moving was awful). “

Accountant, Mick and Vanessa Renton

– 90% no LMI Brisbane, QLD.
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No LMI for building home in Sydney as well as 90% LVR no lmi for investment proerpty off the plan in Newcastle.

“Professional Home Loans has provided us with a very professional service, communicating all the available options to us and in the process he has literally saved us $75k that we would have otherwise paid. They certainly go beyond the call of duty. “

Hamilton (Accountant) & Nyari (Doctor) Sydney

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Working for QLD Health achieved 90% LVR no LMI at normal rates - From UK. Sunshine Coast, QLD

“We were able to get a loan at a good rate and avoid paying LMI which saved us several thousand dollars that we can now put towards other things. Very helpful and informative about all aspects of the process, not just the loan, which we really appreciated as it made the whole thing a lot easier for us.”

Craig and Louise (Medical Registrars)

– Sunshine Coast QLD
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On a contracting basis – she got paid roughly 70% of what she billed.

“We assisted Arlyn with a 90% Mortgage with No Lenders Mortgage Insurance payable so she could buy a house and land package Thanks so much. All credits goes back to you as you helped me make all this happen. I couldn’t thank you enough for the job excellently done. “

Arlyn (Doctor)
– Townsville QLD