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Most farmers compare loans by chasing the lowest interest rate, but that’s rarely the cheapest option. In this episode, Brecken breaks down the seven‑step framework he uses to compare farm loans properly and calculate the real cost of credit.

This episode covers:

◼️ How upfront costs, valuations and hidden fees change the true price of a loan

◼️ Why line fees, unused limit fees and rigid structures quietly drain thousands

◼️ How to calculate your total cost of credit over 5–10 years so you can compare loans properly

Timestamps:

00:00:00 Introduction

00:00:30 - Understanding Upfront Costs

00:01:23 - The Importance of Valuation

00:02:16 - Analyzing Interest Rates

00:03:09 - The Silent Killer - Line Fees

00:03:51 - Unused Limit Fees

00:04:43 - Flexibility of the Loan

00:05:48 - Calculating Total Cost of Credit

00:06:32 - Conclusion: Putting It All Together

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