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Most farmers think going straight to their bank is the cheapest way to get a loan. But in this episode, Brecken breaks down why that belief is one of the most expensive mistakes in rural finance. From single‑policy limitations to inexperienced bankers, weakened relationships and missed opportunities, this episode exposes the hidden costs farmers never see when they skip a broker.

You’ll hear:

◼️ Why one bank means one policy and one outcome

◼️ How the wrong banker can kill a good deal

◼️ Why loyalty is costing farmers borrowing power

◼️ How brokers unlock deals banks never show you

◼️ The hidden risks of timing, sequencing and poor structuring

Timestamps:

00:00:00 Introduction

00:01:02 Hidden Cost 1: One Bank Means One Policy

00:01:56 How One Policy Limits Your Borrowing Power

00:04:26 The Decline of Experienced Rural Bankers

00:05:18 Hidden Cost 2: Loyalty Fails When Relationships Change

00:06:14 Constant Turnover of Bank Managers

00:08:46 Hidden Cost 3: Brokers Know People, Not Just Policies

00:09:42 Why the Right Banker Inside the Bank Matters

00:10:32 Hidden Cost 4: Banks Only Assess What’s In Front of Them

00:11:28 How Brokers Restructure and Sequence Deals

00:12:10 Why Poor Timing Reduces Future Borrowing Power

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 👉 https://seasonedfinance.com.au

🔗 TAKE ACTION:

Book your call: https://seasonedfinance.com.au

Every time the RBA moves, farmers panic. But the real impact isn’t in the headline rate. It’s in how your costs shift, how your debt behaves, and how prepared your business is when the pressure hits. In this episode, Brecken breaks down what the latest rate hike actually means for rural operations and why the farms that adapt early come out stronger.

You’ll hear:

◼️ How RBA rate hikes flow through to farm businesses

◼️ Why most farmers are paying more interest than they should

◼️ What matters more than the cash rate itself

◼️ How to build a business that survives any rate cycle

Timestamps:

00:00:00 Introduction

00:00:42 Why Farmers Panic When the RBA Moves

00:01:18 What Rate Hikes Actually Change

00:02:05 The Real Cost Farmers Should Watch

00:02:44 Why Most Farmers Overpay on Interest

00:03:21 How Debt Behaves When Rates Rise

00:03:58 What Matters More Than the Cash Rate

00:04:36 Building a Business That Survives Any Rate Cycle

00:05:22 Why Reviewing Loans Beats Watching the RBA

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 👉 https://seasonedfinance.com.au

🔗 TAKE ACTION:

Book your call: https://seasonedfinance.com.au

Over a third of rural bank branches have disappeared since 2017, but the real threat isn’t the empty buildings. It’s the loss of your advocate, your leverage, and the relationship banking model farmers relied on for decades. In this new episode, Brecken Curtis breaks down what this shift actually means for your farm and why loyalty is now costing rural businesses money.

You’ll hear:

◼️ Why 36% branch closures changed rural finance permanently

◼️ How centralised credit teams replaced local decision makers

◼️ Why bank loyalty is costing farmers thousands

◼️ What farms must do to stay competitive in the new system

Timestamps:

00:00:00 Introduction

00:00:51 - Impact on Relationship Banking

00:01:12 - Translating Statistics into Reality

00:01:54 - Decline in Experienced Rural Bankers

00:02:37 - Centralized Teams and Their Limitations

00:03:09 - Loss of Knowledge and Hands-On Advice

00:03:29 - Real-Life Example: Challenges in Getting a Rural Loan

00:05:03 - The Myth of Bank Loyalty

00:05:41 - Bank@Post: A Stopgap Solution

00:09:05 - Broader Impact on Rural Communities

00:10:19 - Practical Realities for Farmers

00:11:21 - Adapting to the New Reality

00:12:03 - Competitive Advantage for Early Adopters

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-5b220161/

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