About
A finance broker who actually knows agriculture.
Farm Lending is a service of Hardie Finance Group, a family-run brokerage built around 20+ years of agricultural banking experience.
Meet Adrian
Adrian Hardie
Director and Senior Broker, Hardie Finance Group.
Adrian has spent more than two decades inside the Australian banking system, with the bulk of those years in agribusiness lending: assessing, structuring and managing loans for grain, livestock, mixed farming and horticulture operations across Victoria, NSW and South Australia.
He started Hardie Finance Group to take that ag-banking discipline outside the four walls of any one bank, to specialise in farm finance, advocate for the borrower, and bring multiple lenders to the table on every deal instead of one.
Adrian works from Mildura in the Sunraysia region of Victoria: irrigation country, almonds, citrus, table grapes and broadacre. The location matters; it's an ag region first, and the work reflects that.
Talk to Adrian20+ years
Banking & agribusiness lending experience.
Mildura, VIC
Sunraysia: irrigation, horticulture and broadacre country.
Australia-wide
Most clients served via phone, email and video.
Family-run
Adrian works alongside Charmaine in the family business.
How we work
The way we approach every deal.
We say the deal isn't right when it isn't.
If the numbers don't stack up, we'll tell you, and we'll tell you what would need to change for them to. Telling someone the truth is the most useful thing a broker can do.
We don't oversell the rate.
Rate matters, but structure, flexibility and the lender's behaviour in a tough year matter more. We'll show you the competitive options and let you weigh them properly.
We stay around after settlement.
The relationship is worth more than the transaction. Most of our work comes back from past clients: refinances, expansions, the next generation taking over.
We don't advertise things that aren't true.
No "free service" claims, no "guaranteed lowest rates", no marketing puffery. The Mandate Engagement Fee is disclosed up front when it applies.
Service area
Based in Mildura. Working Australia-wide.
Farm Lending operates from Mildura in north-west Victoria, but the work reaches every state. Most of the process is conversations, document review and lender submissions, all of which run perfectly well remotely.
We've worked with farmers in the Mallee, the Wimmera, the Riverina, the Murray, the Pilliga, the Darling Downs, and across WA's wheat belt. If you're farming in Australia, we can help you.
For face-to-face meetings, Mildura is the home base. Site visits to your operation are usually a phone call away.
The wider Hardie Finance Group
Farm Lending sits inside Hardie Finance Group, a broader brokerage that also handles commercial, residential and asset finance.
If your needs go beyond the farm gate (a business loan, a city investment property, a piece of commercial equipment), we can handle it under the same roof.