Federated Farmers Podcast
The Federated Farmers Podcast is your weekly guide to the issues affecting rural New Zealand. Join us as we unpack the policies, challenges and big ideas shaping life on farm. With frank conversations from farmers, advocates and experts, we break down what matters and why, so you can stay informed, prepared and heard. Hosted by Ben Chapman-Smith.
Federated Farmers Podcast
Fix or float the farm loan? | EP 65
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