Is a Tree Change Right for You? Planning Your Move from City to Country

Thinking about swapping city life for wide-open spaces, fresh air, and a slower pace? You’re not alone. Across Australia, more and more people are making a tree change - leaving behind busy urban centres for a lifestyle built around space, simplicity, and nature. 

At Lifestyle Loans and Lending, we specialise in helping Australians finance lifestyle properties that support this transition. Whether you’re after a hobby farm, rural home, or acreage block, here’s what you need to know before making the move. 

What Is a Tree Change?

A tree change refers to relocating from a metropolitan area to a regional or rural location, often to enjoy a more relaxed lifestyle. This might mean buying an acreage block on the outskirts of a regional town, setting up a self-sufficient hobby farm, or simply living closer to nature. 

What Lifestyle Changes Can You Expect?

Making the move to the country brings many benefits, but also requires some lifestyle adjustments.

Here are a few things to consider:

• Pace of life: Expect a slower, more laid-back atmosphere, often with stronger ties to the local community.
• Daily conveniences: Services like supermarkets, healthcare, and schools may be further away, depending on your location.
• Property upkeep: Rural homes often sit on larger blocks, which means more land to maintain, especially if you plan to raise animals or grow produce.
• Connectivity: Internet and mobile coverage can vary. It’s important to check these services before you buy. 

What’s Different About Country Properties?

Rural and lifestyle properties differ from suburban homes in a few key ways:

• Zoning and land use: Some properties may be zoned for farming, conservation, or other specific uses that affect how the land can be used and financed.
• Infrastructure: Off-grid power, water tanks, septic systems, and unsealed roads are more common in rural settings.
• Loan requirements: Traditional lenders often apply different rules to rural properties, especially those over a certain acreage or located far from town centres. 

How to Start Planning Your Move

A tree change isn’t just about buying a new home - it’s about building a new way of life.

Here’s how to begin the journey: 

1. Define Your Goals - Think about why you’re making the move. Are you seeking more space? Planning to grow your own food? Want a quieter place to raise a family? Your goals will guide the type of property you look for.

2. Research Locations - Explore different regions and towns. Consider proximity to services, climate, land types, and future growth. Visiting in person can help you get a feel for the area.

3. Understand Your Finance Options - Financing a rural property isn’t always straightforward. Many banks apply strict conditions or won’t lend on certain types of land. That’s where we come in. At Lifestyle Loans and Lending, we specialise in financing lifestyle properties, including acreage homes, hobby farms, and off-grid living. We understand the unique nature of rural properties and work with you to find a loan that suits your needs and long-term plans.

4. Talk to an Expert Early - Even before you start inspecting properties, it’s a good idea to speak with a finance specialist who understands rural lending. We’ll help you understand your borrowing capacity, what types of properties are suitable, and how to structure your loan for success.

Ready to Make the Move?

A tree change can be a life-changing decision, offering space to grow, breathe, and reconnect with what matters most. If you’re ready to take the next step, we’re here to help make your move as smooth and stress-free as possible. 

Get in touch with Lifestyle Loans and Lending today to discuss your options and begin planning your country lifestyle.