Achieve Your Goals Faster with Flexible Lifestyle Property Loans

Looking to swap the city grind for something a bit more spacious? Whether you’re dreaming of acreage, planning a tree change, or eyeing off a weekender in the hills, getting the right finance for a lifestyle property can feel like navigating a maze. 

The good news? Lifestyle property loans exist specifically for properties like yours. Plus, with the right broker, they’re not as complicated as you might think.

What is a Lifestyle Property?

A lifestyle property is any property you buy for the lifestyle benefits rather than commercial income. Think of it as your personal retreat, whether that’s a few acres in the country, a coastal weekender, or a rural block you’ve been dreaming about.

Unlike commercial farming operations, lifestyle properties are all about personal enjoyment, relaxation, and escaping the concrete jungle. You might hear them called lifestyle blocks, acreage living, rural residential, or tree change properties – they’re all part of the same family.

The key distinction? You’re not running a commercial farming operation. You’re buying a place to live, breathe, and enjoy life on your terms.

Types of Lifestyle Properties You Can Finance

Acreage & Rural Residential

These are the larger blocks, typically 5 to 50+ acres, sitting outside metro areas. Space, privacy, and room to breathe are the main drawcards. You might do a bit of gardening or keep a few animals, but it’s not about making money. 

Tree Change Properties

This is where you permanently swap city life for the country. Regional towns, rural outskirts, maybe a plot of land for veggie gardens and a couple of goats. Tree changers are often chasing affordable housing, cleaner air, and a slower pace of life.

Weekender & Retreat Properties

Your second home for weekends, holidays, or whenever you need to escape. Many owners rent these out when they’re not using them. Popular spots include coastal areas, mountain regions, and rural hideaways within a few hours of major cities.

Hobby Farms & Small Holdings

Small-scale farming done purely for lifestyle. Not commercial, just satisfying. 

For those looking at smaller-scale farming activities, a hobby farm loan might be worth exploring. If you’re serious about the farming side, you might also need to consider farm equipment loan options down the track.

Equestrian Properties

Stables, paddocks, riding arenas – everything you need if horses are your thing. Some owners also earn a bit of income through agistment, though the property itself is still lifestyle-focused.

Coastal & Sea Change Properties

Beachside or coastal regional areas, often with larger blocks than you’d get in metro areas. Think of it as combining the tree change with ocean views.

Off-Grid & Self-Sufficient Properties

Properties, with solar panels, tank water, and septic systems, which are completely self-contained. These properties tick all the sustainability boxes but can be trickier to finance, as you’ll need specialist lenders who understand off-grid living.

What is a Lifestyle Property Loan?

A lifestyle property loan works similarly to a standard home loan, but it’s designed specifically for rural and semi-rural properties. These loans take into account the unique characteristics of lifestyle properties:

• Land sizes that are larger than suburban blocks
• Potentially no access to town services (water, sewage)
• Different zoning classifications
• Sometimes remote locations

Your rural lifestyle property loan will usually be treated as residential (not commercial) if the property isn’t generating income and you’ve got a job or income source elsewhere. This means you’ll typically get better interest rates and higher loan-to-value ratios (LVRs) than you would with a commercial loan.

If you’re also considering other rural home loans, the principles are similar: lenders assess based on location, land size, and intended use.

How Land Size Affects Your Loan

Land size is one of the biggest factors lenders consider when assessing lifestyle property loans. 

Land Size	Typical Classification	Max LVR	Deposit	Lender Availability
Under 2 ha (5 acres)	Residential	Up to 95%	5%	Most lenders
2-10 ha (5-25 acres)	Residential	Up to 95%	5-10%	Many lenders
10-20 ha (25-50 acres)	Residential*	80-90%	10-20%	Select lenders
20-40 ha (50-100 acres)	Rural Residential	75-80%	20-25%	Specialist lenders
40-60 ha (100-150 acres)	Rural Residential	70-75%	25-30%	Specialist lenders
Over 60 ha (150+ acres)	May be Commercial	60-70%	30%+	Very few lenders

*Subject to the property not being income-producing

The sweet spot for most lifestyle property loans is typically under 25 acres. This is where you’ll find the most lender options and competitive terms.

What Lenders Look for in Lifestyle Properties

Location & Postcode

Distance from major towns matters. Some lenders have postcode restrictions, and well-connected regional areas tend to be more accessible for financing than genuinely remote properties.

Zoning

• Rural residential – usually acceptable to most lenders
• Farming zone – might trigger a commercial assessment
• Conservation zone – possible but often has restrictions

Check with your local council before you proceed with a property.

Access Roads

All-weather road access is preferred. Sealed roads are ideal, but maintained gravel roads are usually acceptable. If you need a 4WD to get there in winter, you might find fewer lenders willing to approve your lifestyle property loan.

Services & Infrastructure

• Power: Grid connection is preferred, though solar is increasingly accepted
• Water: Town water is preferred, but tank water is usually fine
• Sewage: Septic systems are widely accepted

Off-grid properties can be harder to finance, but specialist lenders do exist for rural lifestyle property loans catered to specific needs.

Dwelling on Property

An existing home makes everything easier. Vacant land comes with stricter criteria, though having building plans can help your application.

Deposit Requirements for Lifestyle Property Loans

Here’s what you’re typically looking at for deposits:

Property Type	Typical Deposit	Notes
Small acreage (under 5 acres)	5-10%	Similar to a standard home loan
Medium acreage (5-25 acres)	10-15%	Depends on location and services
Large acreage (25-100 acres)	20-30%	Requires specialist lenders
Weekender/Investment	20%+	May be higher as it’s not your primary residence
Remote/Off-grid	25-30%+	Limited lender options

The Difference Between Lifestyle Property Loans & Standard Home Loans

Factor	Standard Home Loan	Lifestyle Property Loan
Land size	Up to ~2,000sqm	2-150+ acres
Valuation	Desktop often acceptable	Usually requires physical valuation
Deposit	5-20%	5-30% (depends on land size)
Interest rates	Standard rates	Usually comparable for smaller properties
Lender availability	All lenders	Select lenders
Services required	Town services expected	May accept tank water/septic systems
Approval time	Faster	May take longer

The Tree Change Trend: Why Australians Are Moving to Lifestyle Properties

Rural lifestyle property loans are more popular than ever, and it’s not hard to see why:

• Remote work revolution: If you can work from anywhere, why not work from somewhere beautiful?
• Housing affordability: More space for less money
• Lifestyle benefits: Access to fresh air, nature, a slower pace, and mental health takes priority
• Growing families: Room for kids to actually run around
• Escaping the city: Peace away from traffic, noise, and crowds

Popular tree-change destinations include the Sunshine Coast hinterland, areas around Wollongong and the South Coast, Newcastle and the Hunter Valley, the Mornington Peninsula, Geelong and the surrounding areas, and the Central Coast.

The regional median property price hovers around $627,000, compared to capital city medians near $865,000 – that’s substantial savings for significantly more land.

Can You Finance a Weekender or Second Property?

Absolutely. Lifestyle property loans can be used for owner-occupied properties or investment properties, including weekenders.

For a second property, you’ll typically need:

• A higher deposit (usually 20% or more)
• Assessment of your existing debts and borrowing capacity
• Proof of rental income potential if you plan to rent it out

Many weekender owners use platforms like Airbnb or Stayz to generate income when they’re not using the property. Some lenders have specific products designed for this, though it may affect how your loan is classified.

Why Use a Lifestyle Property Broker?

Not all mortgage brokers understand rural lifestyle property loans. Using a specialist broker means you’ll work with someone who:

• Knows exactly which lenders accept lifestyle properties
• Understands postcode and land size restrictions
• Can navigate zoning and valuation challenges
• Has access to specialist rural and regional lenders
• Knows how to present your application for the best classification
• Can compare rates and products across the market

And here’s the kicker – you don’t pay for the service. Brokers are paid by the lender, so you get expert help at no cost.

How Selectabroker Helps You Finance Your Lifestyle Dream

We’re a free broker matching service that connects you with mortgage brokers who specialise in lifestyle property loans. Whether you’re looking at 5 acres or 150+ acres, planning a tree change, buying a weekender, or making the leap to rural living, we’ll match you with a broker who understands your specific situation.

Our network includes brokers who work with:

• First-time rural buyers
• Experienced property investors
• Self-employed borrowers (including low-doc options)
• Anyone looking for acreage from 5 acres upwards

We match you with specialists because one-size-fits-all doesn’t work for lifestyle properties.

Planning Your Lifestyle Property Purchase: Tips for Success

Before you start making offers, here’s how to set yourself up for success:

1. Get pre-approval from a specialist lender before you start house hunting
2. Check zoning with the local council to confirm that the property can be used as you intend
3. Verify services (power, water, road access, mobile and internet coverage)
4. Research bushfire zones – restrictions can affect lending and insurance
5. Factor in ongoing costs. Larger properties mean higher maintenance, rates, and upkeep
6. Visit at different times – that idyllic Sunday afternoon might look different on a rainy Tuesday
7. Use an experienced conveyancer who’s familiar with rural property transactions
8. Talk to locals for a real perspective about living in the area

Get Matched Today to Finance Your Lifestyle Property

Whether you’re eyeing off a 10-acre block, planning a sea change, or ready to buy that weekender you’ve been dreaming about, the right finance starts with the right broker.

Selectabroker connects you with lifestyle property loan specialists who understand land size limits, zoning requirements, and which lenders actually say yes to rural residential properties. Our service is free, our brokers are experienced, and we’re here to help you make your lifestyle property dream a reality.

Get matched with a specialist broker today and take the first step towards your tree change.