Welcome to Dollars in the Dirt with Brecken Curtis, the no-BS podcast for Australian farmers and graziers who want to grow their operations and build real wealth. Hosted by Brecken Curtis, Award Winning Agricultural Finance Broker, this podcast breaks down farm loans, property finance, and agribusiness lending strategies that actually work. From rural property loans to cattle station finance, you'll get straight answers on agricultural finance without the jargon. Each episode delivers practical insights on farm expansion, loan structuring, and navigating the finance challenges facing beef producers and graziers across regional Australia. If you're a rural grazier looking to secure more favourable loan conditions for your next expansion, this podcast is a game changer.
#055 - Suncorp Is Moving to ANZ, Do Graziers Need To Review Their Debt?
Grow your agribusiness with expert finance strategies, book a free consultation 👉 https://outlook.office.com/book/SeasonedFinance@seasonedfinance.com.au/?ismsaljsauthenabled (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 (https://www.instagram.com/breckenfinancebroker/?hl=en)
Facebook: https://www.facebook.com/people/Brecken-Curtis/61575665536876/ (https://www.facebook.com/people/Brecken-Curtis/61575665536876/)
TikTok: https://www.tiktok.com/@brecken_curtis (https://www.tiktok.com/@brecken_curtis)
LinkedIn: https://www.linkedin.com/in/brecken-curtis-8716323aa/ (https://www.linkedin.com/in/brecken-curtis-8716323aa/)
Seasoned Finance: https://seasonedfinance.com.au (https://seasonedfinance.com.au/)
14 Oct 2026
#054 - If You’re a Grazier Applying For A Property Loan, Watch This
Grow your agribusiness with expert finance strategies, book a free consultation 👉 https://outlook.office.com/book/SeasonedFinance@seasonedfinance.com.au/?ismsaljsauthenabled (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 (https://www.instagram.com/breckenfinancebroker/?hl=en)
Facebook: https://www.facebook.com/people/Brecken-Curtis/61575665536876/ (https://www.facebook.com/people/Brecken-Curtis/61575665536876/)
TikTok: https://www.tiktok.com/@brecken_curtis (https://www.tiktok.com/@brecken_curtis)
LinkedIn: https://www.linkedin.com/in/brecken-curtis-8716323aa/ (https://www.linkedin.com/in/brecken-curtis-8716323aa/)
Seasoned Finance: https://seasonedfinance.com.au (https://seasonedfinance.com.au/)
7 Oct 2026
#053 - Could Your Farm Survive El Nino? Run This Test.
Grow your agribusiness with expert finance strategies, book a free consultation 👉 https://outlook.office.com/book/SeasonedFinance@seasonedfinance.com.au/?ismsaljsauthenabled (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 (https://www.instagram.com/breckenfinancebroker/?hl=en)
Facebook: https://www.facebook.com/people/Brecken-Curtis/61575665536876/ (https://www.facebook.com/people/Brecken-Curtis/61575665536876/)
TikTok: https://www.tiktok.com/@brecken_curtis (https://www.tiktok.com/@brecken_curtis)
LinkedIn: https://www.linkedin.com/in/brecken-curtis-8716323aa/ (https://www.linkedin.com/in/brecken-curtis-8716323aa/)
Seasoned Finance: https://seasonedfinance.com.au (https://seasonedfinance.com.au/)
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