The Brokers In Your Corner: What Working With Us Looks Like

Over the past month, there has been no shortage of headlines creating uncertainty across the agricultural sector. Between ongoing interest rate discussions, Federal Budget announcements, and continued supply chain pressures, it is understandable that many farming families are feeling the weight of it all.

While there are certainly some difficult conversations being had, it is important to remember that much of what is happening around us is outside our control. What we can control is how we respond, how we plan, and how we position ourselves moving forward.

Amongst the challenges, there are still positives to hold onto. We have been seeing some welcome rain around the place and hope many of you are receiving the same blessing. With winter settling in, there is also something comforting about sitting in front of the fire at the end of the day.

The changes announced in the Federal Budget relating to trust structures may mean some borrowers need to review or update their current lending arrangements. If you are already looking at restructuring your facilities or re-signing documentation, it may also be a worthwhile time to complete a rate review. In many cases, there may be an opportunity to achieve meaningful savings with little additional work involved.

Out and About – What We’ve Been Up To This Month
This month has certainly highlighted just how different every succession and transition scenario can look within agriculture. While succession is often spoken about as a single event, in reality it is usually a long and evolving process involving family relationships, business structures, land ownership, lending arrangements and future goals, all of which need to work together.

At the moment, we are assisting clients through three very different transition scenarios. One involves siblings separating after farming together for many years so both parties can continue operating independently. Another involves the transfer of land from parents to a son and his family, while also ensuring off-farm family members are fairly considered as part of the process. We are also working with a family using a leasing arrangement as a gradual transition step toward future land ownership for the next generation.

While every situation is unique, they all share one thing in common, complexity. Many farming businesses now operate across multiple ownership and trading entities, including trusts, companies and partnerships, which can make restructuring and finance arrangements far more involved than they may initially appear. On top of this, succession conversations can sometimes carry emotional pressure, differing expectations and difficult family dynamics, all while businesses still need to continue operating day to day.

A large part of our role is helping families work through the finance side of these transitions as smoothly as possible. This includes restructuring existing lending, presenting new business arrangements to lenders, assisting with cashflow planning and helping ensure finance structures remain sustainable moving forward. Just as importantly, we aim to help reduce stress throughout the process by working proactively with accountants, solicitors and lenders to keep conversations moving constructively.

There is rarely a “perfect” succession plan, and no two families approach it the same way. However, having the right support team around you can make a significant difference in navigating both the practical and emotional challenges that often come with these transitions.

This Months Blog: The Brokers In Your Corner: What Working With Us Looks Like

We have welcomed a few new faces to our newsletter recently, so we thought it was the perfect time to reintroduce exactly what we do.

This month’s blog walks through every step of what it is like to work with us, from the first conversation through to settlement and ongoing support. We understand that committing to a broker can feel daunting if you are not sure what to expect, so we wanted to give a full behind the scenes look at how we help our clients.

Even if you are already an existing client, you may find parts of our service you are not taking full advantage of, so it is still worth a read.

Click Here To Read: The Brokers In Your Corner: What Working With Us Looks Like

What’s Happening with Interest Rates?

The major banks remain divided on the outlook for interest rates.

• CBA expects rates to remain steady for the rest of the year.
• Westpac has noted the risk of further increases in June and August, however recent commentary suggests the RBA might keep things on hold while assessing recent inflation data. 
• NAB does not currently expect further rate rise in June, but there is some commentary suggesting another rate rise later this year.
• ANZ is currently forecasting no further increases.

“People don’t care how much you know until they know how much you care.”
— Theodore Roosevelt

Have a great day!!
Deb & Laura

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Latest News

Purvis AgriFinance Latest Blog: The Brokers In Your Corner: What Working With Us Looks Like
This article explains what clients can expect when working with Purvis AgriFinance, from the first conversation through to long term financial support. It aims to demystify the broker process and highlight the value of having a finance specialist who understands agriculture.

Farm Financial Literacy Workshop
Monday 22 June 2026
Redhill Football Club Rooms
9:15am to 1:30pm
A practical workshop focused on farm finance, budgeting, banking relationships and business reporting. The sessions will be interactive and designed to provide practical information you can apply directly to your business.
You may even spot a familiar face presenting at the event!

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Federal Budget 2026 Update- Brentnalls
Brentnalls SA has released a helpful summary of the 2026 Federal Budget, breaking down key announcements affecting individuals, businesses and regional Australia. The update covers tax changes, small business measures, cost of living support and other important developments that may impact farming and agribusiness operations moving forward.

Grain Prices Move Higher- Episode 3
Grain prices have moved significantly higher following overnight global market reports, with weather concerns and international supply updates continuing to influence market volatility. The article highlights how quickly markets can shift and reinforces the importance of staying informed when making grain marketing and cashflow decisions.

From the PurvisAgriFinance Archives

Successful Succession
We are working through a lot of succession scenarios with farming families at the moment, and no two situations are ever the same. While succession can be a difficult conversation, with the right structure, planning, and communication it can become a positive and well managed transition that supports both generations and the long term success of the farm.

Getting Interested in Rates
With interest rates remaining a major pressure point for many farm businesses, more clients are starting to take a closer look at what they are paying and whether their current structure still suits their needs. Rising rates have had a real impact on cash flow and working capital, which is why reviewing your position and understanding your options can make a significant difference over time.

Top 4 Reasons Farmers Avoid Reviewing Interest Rates
Interest costs continue to be one of the biggest expenses for many farming businesses, especially after the rate increases of recent months. Even so, reviewing interest rates is often pushed aside because people assume it is too hard, too time consuming, or that staying loyal to their bank means they are already getting the best deal. In the current rate environment, even small improvements in structure or pricing can create better outcomes and stronger cash flow.