Grow your agribusiness with expert finance strategies, book a free consultation 👉 https://outlook.office.com/book/SeasonedFinance@seasonedfinance.com.au/?ismsaljsauthenabled

ANZ is moving Suncorp Bank customers onto its banking systems by June 2027, but that doesn’t mean you should panic or refinance immediately. In this episode, Brecken breaks down what the transition means for graziers, what lessons can be learned from past banking acquisitions, and how to review your debt structure before making any decisions.

◼️ What the ANZ and Suncorp Bank transition means for rural borrowers

◼️ Why reviewing your debt structure matters more than chasing a lower rate

◼️ How to assess your facilities, security, working capital and future plans

◼️ Lessons from the Landmark acquisition and why they still matter today

◼️ When staying, renegotiating or refinancing makes the most sense

Timestamps:

00:00:00 - Introduction

00:00:32 - ANZ’s Suncorp Bank Transition Timeline

00:01:01 - What Changes and What Stays the Same

00:01:48 - Reviewing Your Lending Position Early

00:02:17 - Lessons From the Landmark Acquisition

00:03:30 - Why Banking Changes Need a Review

00:03:48 - Aligning Finance With Business Goals

00:04:24 - When Existing Loan Structures Stop Fitting

00:05:11 - Looking Beyond the Interest Rate

00:05:48 - The Real Cost of Switching Lenders

00:06:03 - Matching Finance to Growth Plans

00:06:24 - Stay, Refinance or Renegotiate

00:06:50 - Questions to Ask Your Broker

00:07:05 - What Suncorp Customers Should Review

00:07:35 - Comparing Current and Alternative Options

00:08:00 - How to Change Lenders Properly

00:08:12 - Final Summary and Next Steps

Follow Brecken Curtis:

Instagram: https://www.instagram.com/breckenfinancebroker/?hl=en

Facebook: https://www.facebook.com/people/Brecken-Curtis/61575665536876/

TikTok: https://www.tiktok.com/@brecken_curtis

LinkedIn: https://www.linkedin.com/in/brecken-curtis-8716323aa/

Seasoned Finance: https://seasonedfinance.com.au

Grow your agribusiness with expert finance strategies, book a free consultation 👉 https://outlook.office.com/book/SeasonedFinance@seasonedfinance.com.au/?ismsaljsauthenabled

Before you start looking at another block, you need to know whether the bank can actually fund it. In this episode, Brecken breaks down the four things lenders look at before approving a property purchase, and how to position your application before you even start hunting.

◼️ Equity, security, cash flow and serviceability explained

◼️ How to present the business case behind a property purchase

◼️ The hidden costs that catch buyers out at settlement

◼️ Why lenders care more about cash flow than the property itself

◼️ When to start the finance process before making an offer

Timestamps:

00:00:00 - Introduction

00:00:24 - Equity, Security, Cash Flow and Serviceability

00:01:00 - Showing Why the Purchase Makes Sense

00:02:09 - Explaining the Story Behind the Purchase

00:02:43 - Managing Properties in Another Region

00:03:40 - The Hidden Costs of Property Purchases

00:04:20 - Budgeting Beyond the Deposit

00:05:07 - Proving Serviceability to the Lender

00:05:33 - Forecasting Cash Flow for Expansion

00:06:40 - The Mistake of Starting Too Late

00:07:03 - Understanding Your Borrowing Capacity

00:07:26 - Why Finance Preparation Matters

00:07:47 - Getting Settlement Costs Right

00:08:16 - The Four Things Every Lender Looks For

00:08:41 - Final Summary and Next Steps

Follow Brecken Curtis:

Instagram: https://www.instagram.com/breckenfinancebroker/?hl=en

Facebook: https://www.facebook.com/people/Brecken-Curtis/61575665536876/

TikTok: https://www.tiktok.com/@brecken_curtis

LinkedIn: https://www.linkedin.com/in/brecken-curtis-8716323aa/

Seasoned Finance: https://seasonedfinance.com.au

Grow your agribusiness with expert finance strategies, book a free consultation 👉 https://outlook.office.com/book/SeasonedFinance@seasonedfinance.com.au/?ismsaljsauthenabled

Most producers think the hardest part of a drought is when the season first turns dry. In reality, the biggest financial pressure often comes later, when stock numbers are down, income is lower and lenders become more conservative. In this episode, Brecken breaks down how to build a practical drought plan that protects cash flow, preserves options and gives you confidence in the years that follow.

◼️ Why destocking can create a false sense of financial security

◼️ How to forecast cash flow through the next 12–18 months

◼️ Building drought triggers, fallback options and facility headroom

◼️ Planning for herd rebuilds, lower income and lender reviews

◼️ Why written drought plans create better conversations with banks

Timestamps:

00:00:00 - Introduction

00:00:25 - Why Drought Cash Flow Can Be Misleading

00:01:23 - Forecasting the Next 12 to 18 Months

00:02:15 - Choosing Your Drought Strategy

00:03:07 - Adjustment vs Sell‑Down Decisions

00:03:31 - Setting Drought Triggers and Rules

00:03:51 - Building a Realistic Drought Cash Flow

00:04:23 - Talking to Your Lender Early

00:05:04 - Checking Facility Headroom

00:05:23 - Review Dates and Overdraft Pressure

00:05:58 - Managing Finance Through a Dry Period

00:06:47 - Writing Triggers and Fallback Plans

00:07:35 - Water Infrastructure and Resilience

00:08:18 - The Rebuild Is Often the Hardest Part

00:08:31 - Building a Complete Drought Plan

00:08:56 - Final Summary and Next Steps

Follow Brecken Curtis:

Instagram: https://www.instagram.com/breckenfinancebroker/?hl=en

Facebook: https://www.facebook.com/people/Brecken-Curtis/61575665536876/

TikTok: https://www.tiktok.com/@brecken_curtis

LinkedIn: https://www.linkedin.com/in/brecken-curtis-8716323aa/

Seasoned Finance: https://seasonedfinance.com.au