About
Local Agribusiness Finance — Mildura Based
Adrian Hardie has spent more than two decades in Australian banking and agribusiness lending. Hardie Finance Group is the family-run brokerage he started to take that ag-banking discipline outside any one bank.
Meet Adrian
Adrian Hardie
Director and Senior Broker, Hardie Finance Group.
Adrian has spent more than two decades inside the Australian banking system, with the bulk of those years in agribusiness lending: assessing, structuring and managing loans for grain, livestock, mixed farming and horticulture operations across Victoria, NSW and South Australia.
He started Hardie Finance Group to take that ag-banking discipline outside the four walls of any one bank, to specialise in agribusiness finance, advocate for the borrower, and bring multiple lenders to the table on every deal instead of one.
Adrian was born and raised in the Sunraysia region. He works from Mildura: irrigation country, almonds, citrus, table grapes and the broader Murray region. The local knowledge matters when a lender is asking about land class, water entitlements and seasonal income.
Talk to Adrian20+ years
Banking and agribusiness lending experience.
Mildura, VIC
Sunraysia and Murray region — born and raised.
We come to you
Face-to-face within roughly 250km of Mildura.
Family-run
Adrian works alongside his partner Charmaine.
How we work
The way we approach every deal.
We say the deal isn't right when it isn't.
If the numbers don't stack up, we'll tell you, and we'll tell you what would need to change for them to. Telling someone the truth is the most useful thing a broker can do.
We don't oversell the rate.
Rate matters, but structure, flexibility and the lender's behaviour in a tough year matter more. We'll show you the competitive options and let you weigh them properly.
We stay around after settlement.
The relationship is worth more than the transaction. Most of our work comes back from past clients: refinances, expansions, the next generation taking over.
We don't advertise things that aren't true.
No "guaranteed lowest rates" or marketing puffery. Where a Mandate Engagement Fee applies, it's disclosed up front before any work begins.
Service area
Based in Mildura. Working across the Murray region and nationally.
We operate from Mildura in north-west Victoria and travel face to face across the Sunraysia and Murray region — Wentworth, Euston, Robinvale, Swan Hill, Ouyen, Sea Lake, Kerang, Birchip, Hopetoun and Warracknabeal in VIC; Renmark and Berri in SA; and across the Murray in South West NSW.
Outside that area we work nationally by phone, email and video. Most of the agribusiness finance process — conversations, document review and lender submissions — runs perfectly well remotely.
See the service area map →The wider Hardie Finance Group
Agribusiness Loan sits inside Hardie Finance Group, a broader brokerage that also handles farm finance, commercial, residential and asset finance.
If your needs go beyond the farm gate (a business loan, an investment property, a piece of commercial equipment), we can handle it under the same roof.