How it works
By choosing a specialist finance and mortgage broker like Hardie Finance Group, you are choosing a professional service to complement your business, just like having a good accountant or solicitor.
The process
The same shape whatever you are borrowing for. The detail differs by service, and each service page sets out exactly what happens, how long it takes and what it is worth.
01
A conversation about what you are trying to do, your timing and your position. On the farm, at your business, or at the kitchen table if you are near Sunraysia. By phone or video if you are not. Nothing is charged for this and nothing touches your credit file.
02
Your numbers collected and organised, your capacity and cashflow modelled properly, and the deal structured so it is approval-ready. Then I test it against current credit appetite and policy across my panel.
03
A straight answer on whether this works, roughly what it looks like, and what it would take to get there. In plain language, based on your actual numbers. Everything to this point is complimentary.
04
If you want me to act for you, I gather what is left, deal with your accountant and solicitor, build the submission and negotiate it through credit. Any engagement fee is disclosed in writing before you commit to anything.
05
Documentation, signing and settlement coordination. After that I remain your finance contact: annual reviews, rate benchmarking and support for the next stage, at no charge for as long as you are a client.
By service
Every service page sets out each stage, how long it typically takes, what that work is worth at market rates, and what you pay.
Land, seasonal credit, water and post-farmgate.
How it works for this →Working capital, acquisition and expansion.
How it works for this →Buying the premises, or the investment.
How it works for this →Vehicles, machinery and specialist gear.
How it works for this →For people on a wage or salary.
How it works for this →Assessed on how you actually earn.
How it works for this →The Loyalty Tax
Loyalty to a bank often comes with a Loyalty Tax. As bank appetites change, your once-competitive deal might not be competitive now. The longer it goes unchecked, the more you may be paying in interest, fees, and paperwork for annual reviews, valuations and ongoing covenants.
Access competitive interest rates with the least amount of red tape.
Tired of constant valuations and data requests? We can look for lenders with lighter ongoing requirements.
We identify lenders whose criteria match your business’s natural cycles, not the bank’s rigid boxes.