Land size, zoning and property use can all affect what a lender will offer. We'll help you find one that gets it right.
Meet Mel and the Zest team, who've helped hundreds of rural and acreage buyers secure finance across Queensland.
Rural and acreage lending is assessed differently to a standard house in town. Lenders look at the size of the land, how it is zoned and what the property is used for, and each of these can change the deposit they ask for and the way the property is valued. A lifestyle block is usually treated very differently to a property that earns an income from the land.
As local mortgage brokers based in Springfield, we work with buyers across Springfield and Ipswich. We compare 60+ lenders to find one that is comfortable with your property type, then manage the application through to settlement.
At Zest Mortgage Solutions, we believe rural and acreage properties deserve the same straightforward finance experience as a home in town. Here are a few recent Zest Google reviews we think you'll love!
Start with a chat to Mel & the team about the block or acreage you have in mind. We'll explain what lenders will want to know before you go house hunting.
Rural lending can come with tighter loan-to-value ratios and different valuation methods depending on land use. We compare across 60+ lenders to find one comfortable with your property type.
Once we've matched you with a lender who understands rural property, we manage the application through to settlement, keeping you informed the whole way.
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Our rural property loans suit buyers of acreage, lifestyle blocks, hobby farms and rural residential homes. Lenders apply different rules to rural properties based on land size, zoning and how the land is used. If you're building on rural land, see also construction loans.
Every lender is different, so we'll confirm the exact list for your situation before you apply.
Beyond Springfield and Ipswich's suburbs, areas toward the Scenic Rim and the Ipswich rural fringe offer acreage and lifestyle properties. Many mainstream lenders limit lending on larger blocks, so we find lenders with suitable rural policies.
Want to talk it through? Book a free chat with Mel and the Zest team, or call (07) 3461 6499.
Many lenders treat properties up to a certain land size as residential. Larger blocks may need specialist rural lending.
Often, yes. Lenders may require a larger deposit for larger or more remote properties.
Yes, though vacant land loans usually have stricter terms than loans with a house.
If the land is used for farming or commercial purposes, it may need an agribusiness or commercial loan instead.
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"Thank-you! As first home owners we were very unsure of the process. However, from our very first encounter with Mel, we felt comfortable and certain that we had chosen the right broker for us. Ashleigh helped us through the application process and was always prompt with emails/ phone calls and more than willing to answer our questions. You guys truly are amazing 🤩"
"Thanks to the fantastic team at Zest Mortgage Solutions. They made an incredibly complex business investment purchase extremely easy for us and kept us up to date with the process as it moved forward. I would highly recommend them and will be utilising their services in the future."
"Mel and the team have been amazing throughout the entire process. We were constantly informed and nothing was too difficult. It really couldn't have been a better experience. We would highly recommend Zest Mortgage Solutions!"
"Mel and the team at Zest Mortgage Solutions make the process of buying a house easy, there was always someone there to assist or answer questions - even during the festive season 😊 thanks team, 💯 recommend"
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"As a single mother, I never thought in a million years I could own my own home. Melissa and her team made the process so easy and stress free. I can’t thank them enough for making my dreams come true. No question was to dumb and they never made me feel like I was bothering them with all my calls for clarification! Would 10/10 recommend them to anyone looking to purchase a house."
