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Kangaroo Ground is open country rather than bush, with rolling farmland, long views and large holdings. It sits between Eltham and Yarra Glen, and the properties here are lifestyle rather than suburban in every sense.
Land size dominates everything here. Holdings of five, ten or more hectares are common, which puts most Kangaroo Ground properties well outside what mainstream lenders treat as standard residential. The consequence is a narrower lender field and larger deposits, frequently thirty per cent or more.
Where a property has genuine agricultural use, whether that is grazing, vines or anything producing income, the assessment can shift toward rural or commercial lending. The terms, rates and documentation for those are different again. Understanding which category a property falls into is the first thing to sort out.
Valuations out here are inherently variable given how few comparable sales exist, and properties are typically held for a long time. Buyers are usually making a considered lifestyle decision rather than a quick move, which means there is generally time to get the finance right rather than rushing it.
Larger holdings usually mean thirty per cent or more. Better to know the real figure before you start looking.
Genuine agricultural use changes the category entirely, along with the rates and terms. We establish which applies.
Properties here are considered purchases, not quick moves. Use that time to structure the finance properly.
Whatever stage you are at, there is a path through it. Pick the one that sounds like you.
Likely thirty per cent or more, though it depends heavily on the lender and the property’s characteristics. At that size many lenders classify the property as rural-residential, which reduces the maximum loan to value ratio considerably compared to a suburban home. Some specialist lenders are more accommodating.
A home loan is assessed on your personal income and the property as a residence. Rural lending considers the land’s productive capacity and often the business operating on it, with different rates, terms and reporting requirements. Which applies depends on the property’s actual use rather than what you intend to do with it.
Usually yes if it is genuinely a hobby, meaning a few animals with no meaningful income. Lenders draw the line where the activity becomes commercial. There is no universal threshold, and it comes down to scale and whether income is being generated. We can help you understand where a particular property sits.
Longer than a suburban purchase, commonly several weeks. The valuation takes more time because the valuer may need to travel and has more to assess, and fewer lenders means the application may need to go to a specialist team. Starting early and allowing a generous finance clause is the sensible approach.
Book a free consultation and we will walk you through your options, what you can borrow, and what it will cost.
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Serving clients across Australia.
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Specialist Financial Group Australian Credit Licence no. 387025
Lydian Financial Services Victoria
Suite 1/103 Grimshaw Street, Greensborough VIC 3088, Australia
Level 12, 15 Collins Street Melbourne VIC 3000, Australia
Copyright © LYDIAN FINANCIAL SERVICES PTY LTD 2026. All Right Reserved.