The Dream
Our client owned a well-established family home in metropolitan Sydney and had long dreamed of a tree-change — a large acreage property in regional NSW where the family could spend weekends outdoors, ride motorbikes and enjoy the school holidays together.
The Challenge
While regional acreage properties offer incredible lifestyle benefits, they often come with tighter lending parameters.
In this case, challenges included:
- Limited lender appetite due to rural zoning and large land size
- Higher interest rates compared to standard residential loans
- Larger deposits or cash contributions required
Although the client was in a strong financial position, the property’s rural location and acreage meant fewer lenders were willing to consider it as standalone security.
The Strategy
To make the dream achievable, we structured a solution that leveraged equity from the client’s Sydney home — a metropolitan property viewed far more favourably by lenders.
By securing the new loan against their Sydney home, we were able to:
- Access 100% of the purchase price plus associated costs
- Avoid higher rural lending margins
- Keep the new regional property completely unencumbered for long-term flexibility
The Result
✅ Approved within 24 hours
✅ Full purchase and costs funded through Sydney home equity
✅ Retained ownership of both properties
✅ Streamlined process with minimal documentation thanks to strong equity
The Lifestyle Win
Today, the family is now enjoying their dream regional acreage — weekends spent outdoors, motorbikes revving through open space and school holidays surrounded by nature.
They’ve gained the freedom of a regional lifestyle while maintaining their Sydney base and long-term financial security.
