Rural land finance in Northern Inland NSW and the Liverpool Plains.

Liverpool Plains cropping country trades at a significant premium to other NSW broadacre regions. The depth and quality of the black cracking soils — and the consistent cropping performance that follows — means this land is among the most aggressively valued rural real estate in the state. Lenders who are unfamiliar with the region will either undervalue the security or apply inappropriate LVR limits.

Cotton-growing properties in the Narrabri and Moree districts carry additional complexity: irrigation infrastructure, water licences, and ginning arrangements form part of the security and the income picture. Lenders who write cotton debt understand this. Those who do not tend to treat it as standard broadacre, which understates the operation's value.

Clunes has placed finance for Liverpool Plains and Northern Inland operators and understands both the land's premium pricing and the lender landscape that serves it. We work across NAB Agribusiness, Westpac, and Merricks Capital for this region.