Interest rates have been shifting fast, and many farmers are wondering if now is the time to fix or float their loans. 

To help cut through the noise, we’re joined by NZAB founder and director Scott Wishart, who explains what’s happening in the current lending environment and how farmers can approach their lending decisions with confidence. 

We cover the pros and cons of fixing vs floating, common mistakes to avoid, how to think about term length, and the strategies farmers are using to manage risk, cashflow and uncertainty. 

Scott also answers questions asked by a young farmer for this episode specifically, including whether fixing ever makes sense if you can ride out the tougher periods.

If you’re reviewing your loan structure or planning for the next season, Scott’s insights will prove valuable. 
 
Useful links: 

Rural banking inquiry: 'Let's get it underway' | EP 03

How farmers can unlock better banking deals | EP 52