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Appendix 5
Agribusiness finance
1. Residential Secured Business Overdrafts[1]
|
Company |
Product |
Odraft
Residential Star rating |
Rate |
Minimum
loan amount |
Unused
Limit fee |
Overdrawn
Service Fee |
No.
of Free Transactions allowed |
EFTPOS
transaction fee |
Internet
transaction fee |
BPAY
transaction fee |
Cheque
Fee |
|
ANZ
Agribusiness |
Revolving
Agri Line |
Not
rated |
9.51
to 14.72 |
2000.00 |
Nil |
37.70 |
28 |
Nil |
Nil |
Nil |
0.80 |
|
BankSA Agribusiness |
Agri Business Maximiser |
Not rated |
9.57 |
20000.00 |
Nil |
9.00 |
15 |
N/A |
Nil |
Nil |
0.50 |
| |
Agri Business OD |
Not rated |
10.30 to 13.75 |
20000.00 |
Nil |
9.00 |
15 |
N/A |
Nil |
Nil |
0.50 |
| |
Agri Commercial LOC |
Not rated |
10.27 to 12.47 |
20000.00 |
Nil |
9.00 |
8 |
2.00 |
2.00 |
2.00 |
2.00 |
|
BankWest Agribusiness |
AgriOne Overdraft |
Not rated |
8.15 and higher |
100000.00 |
Nil |
38.00 |
N/A |
Nil |
Nil |
Nil |
Nil |
|
Commonwealth Bank Agri |
Agribusiness Line of Credit |
Not rated |
7.35 to 9.74 |
0.00 |
Nil |
10.00 |
8 |
2.00 |
2.00 |
2.00 |
2.00 |
| |
Agribusiness Overdraft |
Not rated |
9.01 to 9.21 |
0.00 |
Nil |
10.00 |
330 |
Nil |
Nil |
Nil |
Nil |
|
nab Agribusiness |
Farm Management Overdrft |
Not rated |
9.76 to 13.33 |
20000.00 |
N/A |
N/A |
Nil |
0.10 |
0.10 |
0.10 |
0.40 |
| |
Farmers Choice OD |
Not rated |
8.76 and higher |
20000.00 |
N/A |
N/A |
Nil |
0.10 |
0.10 |
0.10 |
0.40 |
|
Rabobank Agribusiness |
Rural Overdraft |
Not rated |
6.75 and higher |
250000.00 |
0.25% |
40.00 |
N/A |
Nil |
Nil |
Nil |
0.60 |
|
Suncorp Agri |
Business O/D (Res Sec) |
Not rated |
10.84 |
10000.00 |
N/A |
10.00 |
30 |
Nil |
Nil |
Nil |
0.60 |
|
Westpac Agribusiness |
Agribusiness One LOC |
Not rated |
6.83 to 9.33 |
100000.00 |
N/A |
9.00 |
N/A |
0.14 |
0.14 |
0.14 |
0.50 |
| |
Agribusiness Overdraft |
Not rated |
9.81 to 11.71 |
0.00 |
N/A |
9.00 |
N/A |
0.14 |
0.14 |
0.14 |
0.50 |
2. Residential Secured Variable Business Loans[2]
|
Company |
Product |
Term
Residential Star rating |
Rate |
Minimum
loan amount |
Maximum
loan amount |
Maximum
facility term (years) |
Interest
only maximum years |
Payment
frequencies allowed |
PI,
IO, Both or Revolving |
|
ANZ
Agribusiness |
Bus
Loan Var (Bus Asset) |
Not
rated |
8.94 |
50000.00 |
99999999.99 |
30
yrs |
10 |
w
f m q s a |
Both |
|
Bananacoast
Comm CU Agri |
Bus
Ln Var Base Rate |
Not
rated |
8.55
to 9.30 |
500.00 |
7000000.00 |
25
yrs |
5 |
w
f m q s a |
Both |
|
Business
Flexi Rate |
Not
rated |
8.15
to 8.90 |
150000.00 |
249999.99 |
25
yrs |
5 |
w
f m |
Both |
|
Business
Premier Rate |
Not
rated |
7.85
to 8.60 |
250000.00 |
7000000.00 |
25
yrs |
5 |
w
f m |
Both |
|
Business
Loan Base Rate |
*
* * |
8.55
to 9.30 |
500.00 |
7000000.00 |
25
yrs |
5 |
w
f m |
Both |
|
BankSA
Agribusiness |
Agri
Bus Loan Variable |
Not
rated |
8.72 |
30000.00 |
99999999.99 |
15
yrs |
5 |
m |
Both |
|
Agri
Commercial Loan Var |
Not
rated |
9.75
to 13.70 |
20000.00 |
99999999.99 |
15
yrs |
5 |
m |
Both |
|
Commonwealth
Bank Agri |
Agribusiness
Variable Loan |
Not
rated |
7.94
to 9.74 |
0.00 |
99999999.99 |
30
yrs |
No
max |
m
q s a |
Both |
|
nab
Agribusiness |
Bus
Opts Instal Var Std |
Not
rated |
7.76
and higher |
20000.00 |
99999999.99 |
15
yrs |
N/A |
m
q s a |
P+I |
|
Bus
Opts IO Var Standard |
Not
rated |
7.76
and higher |
20000.00 |
99999999.99 |
15
yrs |
15 |
m
q s a |
IO |
|
Rabobank
Agribusiness |
RuralPrime
floating rate |
Not
rated |
6.85
and higher |
250000.00 |
99999999.99 |
15
yrs |
15 |
m
q s a |
Revolving |
|
Suncorp
Agri |
Business
Ln Var (res) |
Not
rated |
9.34 |
10000.00 |
99999999.99 |
25
yrs |
15 |
m
q s a |
Both |
3. Residential Secured 5 year Fixed Term Business Loans[3]
|
Company |
Product |
Term
Residential Star rating |
Rate |
Minimum
loan
amount |
Maximum
loan amount |
Maximum
facility term (years) |
Interest
only maximum years |
Payment
frequencies allowed |
PI,
IO, Both or Revolving |
|
ANZ
Agribusiness |
Agri
Business Loan - Fixed |
Not
rated |
8.17
to 10.09 |
10000.00 |
99999999.99 |
30
yrs |
10 |
w
f m q s a |
Both |
|
Bananacoast
Comm CU Agri |
Business
Loan Fixed |
Not
rated |
8.04
to 8.98 |
500.00 |
7000000.00 |
25
yrs |
5 |
w
f m q s a |
Both |
|
BankSA
Agribusiness |
Agri
Business Loan - Fixed |
Not
rated |
7.89
to 8.54 |
30000.00 |
99999999.99 |
15
yrs |
5 |
m |
Both |
|
Commonwealth
Bank Agri |
Agribusiness
Fixed Loan |
Not
rated |
6.60
and higher |
0.00 |
1000000.00 |
30
yrs |
7 |
m
q s a |
Both |
|
nab
Agribusiness |
Bus
Options IO Standard - Fixed |
Not
rated |
8.05
and higher |
20000.00 |
99999999.99 |
15
yrs |
15 |
m
q s a |
IO |
|
Bus
Opts Instal Standard - Fixed |
Not
rated |
7.95
and higher |
20000.00 |
99999999.99 |
15
yrs |
N/A |
m
q s a |
P+I |
|
Rabobank
Agribusiness |
Rural
Loan - Fixed |
Not
rated |
6.70
and higher |
250000.00 |
99999999.99 |
15
yrs |
15 |
m
q s a |
Revolving |
|
Suncorp
Agri |
Business
Loan (res sec) - Fixed |
Not
rated |
7.60
to 9.25 |
10000.00 |
99999999.99 |
25
yrs |
5 |
m |
Both |
|
Westpac
Agribusiness |
Agri
Finance Loan-Fixed |
Not
rated |
7.82
to 9.73 |
250000.00 |
99999999.99 |
No
max |
No
max |
w
f m q s a |
Both |
4. Commercial Secured Business Overdrafts[4]
|
Company |
Product |
Overdraft
Commercial Star rating |
Rate |
Minimum
loan amount |
Overdrawn
Service Fee |
No.
of Free Transactions allowed |
EFTPOS
transaction fee |
OTC
transaction fee |
Internet
transaction fee |
BPAY
transaction fee |
Cheque
Fee |
|
ANZ
Agribusiness |
Revolving
Agri Line |
Not
rated |
9.51
to 14.72 |
2000.00 |
37.70 |
28 |
Nil |
0.80 |
Nil |
Nil |
0.80 |
|
Bananacoast
Comm CU Agri |
Bus
O/Draft Secured |
Not
rated |
9.75
to 15.05 |
500.00 |
25.00 |
40 |
Nil |
Nil |
Nil |
Nil |
Nil |
|
BankSA
Agribusiness |
Agri
Business OD |
Not
rated |
10.30
to 13.75 |
20000.00 |
9.00 |
15 |
N/A |
1.00 |
Nil |
Nil |
0.50 |
|
Agri
Commercial LOC |
Not
rated |
10.27
to 12.47 |
20000.00 |
9.00 |
8 |
2.00 |
2.00 |
2.00 |
2.00 |
2.00 |
|
BankWest
Agribusiness |
AgriOne
Overdraft |
Not
rated |
8.15
and higher |
100000.00 |
38.00 |
N/A |
Nil |
Nil |
Nil |
Nil |
Nil |
|
Commonwealth
Bank Agri |
Agribusiness
Line of Credit |
Not
rated |
7.35
to 9.74 |
0.00 |
10.00 |
8 |
2.00 |
2.00 |
2.00 |
2.00 |
2.00 |
|
nab
Agribusiness |
Farm
Management Overdrft |
Not
rated |
9.76
to 13.33 |
20000.00 |
N/A |
Nil |
0.10 |
0.60 |
0.10 |
0.10 |
0.40 |
|
Farmers
Choice OD |
Not
rated |
8.76
and higher |
20000.00 |
N/A |
Nil |
0.10 |
0.60 |
0.10 |
0.10 |
0.40 |
|
Rabobank
Agribusiness |
Rural
Overdraft |
Not
rated |
6.75
and higher |
250000.00 |
40.00 |
N/A |
Nil |
Nil |
Nil |
Nil |
0.60 |
|
Suncorp
Agri |
Business
O/D (Comm Sec) |
Not
rated |
10.99
and higher |
10000.00 |
10.00 |
30 |
Nil |
1.00 |
Nil |
Nil |
0.60 |
|
Line
of Credit (Com Sec) |
Not
rated |
9.59
and higher |
10000.00 |
10.00 |
10 |
0.20 |
0.70 |
Nil |
0.20 |
0.60 |
|
Westpac
Agribusiness |
Agribusiness
One LOC |
Not
rated |
6.83
to 9.33 |
100000.00 |
9.00 |
N/A |
0.14 |
1.00 |
0.14 |
0.14 |
0.50 |
|
Agribusiness
Overdraft |
Not
rated |
9.81
to 11.71 |
0.00 |
9.00 |
N/A |
0.14 |
1.00 |
0.14 |
0.14 |
0.50 |
5. Commercial Secured
Variable Business Loans[5]
|
Company |
Product |
Term
Commercial Star rating |
Rate |
Minimum
loan amount |
Maximum
loan amount |
Maximum
facility term (years) |
Interest
only maximum years |
Payment
frequencies allowed |
PI,
IO, Both or Revolving |
|
ANZ
Agribusiness |
Bus
Loan Var (Bus Asset) |
Not
rated |
8.94 |
50000.00 |
99999999.99 |
30
yrs |
10 |
w
f m q s a |
Both |
|
Bananacoast
Comm CU Agri |
Bus
Ln Var Base Rate |
Not
rated |
8.55
to 9.30 |
500.00 |
7000000.00 |
25
yrs |
5 |
w
f m q s a |
Both |
|
Business
Flexi Rate |
Not
rated |
8.15
to 8.90 |
150000.00 |
249999.99 |
25
yrs |
5 |
w
f m |
Both |
|
Business
Premier Rate |
Not
rated |
7.85
to 8.60 |
250000.00 |
7000000.00 |
25
yrs |
5 |
w
f m |
Both |
|
Bananacoast
Community CU |
Business
Flexi Rate |
Not
rated |
8.15
to 8.90 |
150000.00 |
249999.99 |
25
yrs |
5 |
w
f m |
Both |
|
Business
Loan Base Rate |
*
* * |
8.55
to 9.30 |
500.00 |
7000000.00 |
25
yrs |
5 |
w
f m |
Both |
|
Business
Premier Rate |
Not
rated |
7.85
to 8.60 |
250000.00 |
7000000.00 |
25
yrs |
5 |
w
f m |
Both |
|
BankSA
Agribusiness |
Agri
Commercial Loan Var |
Not
rated |
9.75
to 13.70 |
20000.00 |
99999999.99 |
15
yrs |
5 |
m |
Both |
|
Commonwealth
Bank Agri |
Agribusiness
Variable Loan |
Not
rated |
7.94
to 9.74 |
0.00 |
99999999.99 |
30
yrs |
No
max |
m
q s a |
Both |
|
nab
Agribusiness |
Bus
Opts Instal Var Std |
Not
rated |
7.76
and higher |
20000.00 |
99999999.99 |
15
yrs |
N/A |
m
q s a |
P+I |
|
Bus
Opts IO Var Standard |
Not
rated |
7.76
and higher |
20000.00 |
99999999.99 |
15
yrs |
15 |
m
q s a |
IO |
|
Rabobank
Agribusiness |
RuralPrime
floating rate |
Not
rated |
6.85
and higher |
250000.00 |
99999999.99 |
15
yrs |
15 |
m
q s a |
Revolving |
|
Suncorp
Agri |
Business
Lns Var (com) |
Not
rated |
9.49
and higher |
10000.00 |
99999999.99 |
20
yrs |
5 |
d
w f m |
Both |
|
Westpac
Agribusiness |
Agribusiness
One Loan |
Not
rated |
6.83
to 9.33 |
100000.00 |
99999999.99 |
No
max |
No
max |
w
f m q s a |
Both |
6. Commercial Secured 5
year Fixed Term Business Loans[6]
|
Company |
Product |
Term
Commercial Star rating |
Rate |
Minimum
loan amount |
Maximum
loan amount |
Maximum
facility term (years) |
Interest
only maximum years |
Payment
frequencies allowed |
PI,
IO, Both or Revolving |
|
ANZ
Agribusiness |
Agri
Business Loan - Fixed |
Not
rated |
8.17
to 10.09 |
10000.00 |
99999999.99 |
30
yrs |
10 |
w
f m q s a |
Both |
|
Bananacoast
Comm CU Agri |
Business
Loan Fixed |
Not
rated |
8.04
to 8.98 |
500.00 |
7000000.00 |
25
yrs |
5 |
w
f m q s a |
Both |
|
Commonwealth
Bank Agri |
Agribusiness
Fixed Loan |
Not
rated |
6.60
and higher |
0.00 |
1000000.00 |
30
yrs |
7 |
m
q s a |
Both |
|
nab
Agribusiness |
Bus
Options IO Standard - Fixed |
Not
rated |
8.05
and higher |
20000.00 |
99999999.99 |
15
yrs |
15 |
m
q s a |
IO |
|
Bus
Opts Instal Standard - Fixed |
Not
rated |
7.95
and higher |
20000.00 |
99999999.99 |
15
yrs |
N/A |
m
q s a |
P+I |
|
Rabobank
Agribusiness |
Rural
Loan - Fixed |
Not
rated |
6.70
and higher |
250000.00 |
99999999.99 |
15
yrs |
15 |
m
q s a |
Revolving |
|
Suncorp
Agri |
Business
Ln(com/oth sec) - Fixed |
Not
rated |
7.75
and higher |
10000.00 |
99999999.99 |
15
yrs |
5 |
m
q s a |
Both |
|
Westpac
Agribusiness |
Agri
Finance Loan-Fixed |
Not
rated |
7.82
to 9.73 |
250000.00 |
99999999.99 |
No
max |
No
max |
w
f m q s a |
Both |
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