THE RIVERINA — LAND FINANCE
Rural land finance in the Riverina.
Finance for irrigated horticultural land, viticultural properties, broadacre farms, and mixed enterprises across the Riverina — with specialist knowledge of water entitlement structures.
Riverina land finance has a complexity that most rural lenders struggle with: water entitlements. In the Murrumbidgee Irrigation Area, a property's water licence is often worth as much as the land itself — and in some horticultural cases, more. Lenders differ substantially in how they treat water entitlements as security: some take a registered mortgage over water access licences, others simply credit them as income-generating assets, and some ignore them entirely.
Clunes has placed Riverina finance and understands which lenders in the current panel actively support water entitlement as additional security, versus those who do not. This distinction materially affects maximum loan availability for irrigated properties and is one of the first questions we answer for a Riverina enquiry.
Horticultural and viticultural land in the Griffith, Leeton, and Young districts also carries significant planted improvement value — established orchards, trellised vineyards, irrigation infrastructure — that conventional rural lenders may discount or exclude. We present these assets correctly to lenders who have the appetite to include them.
WHAT IS TYPICAL
- Deal size
- $1m–$20m
- Security
- Irrigated horticultural land, viticultural properties, water access licences, broadacre farms
- Lender pool
- NAB Agribusiness, CBA, Westpac, Bendigo, Merricks Capital