If the property is rural NSW then there is only a few major lenders who you can use. once there is income being generated in this property / ies then it must come under business or commercial banking. Business bankers tend to work with the owner/client so you build up a working relationship and understand theups & downs of  cash flow in a business. They will still treat the lend with mixed though ie. resi units still lend under resi & shops etc under business but the costs / fees can often be higher than normal resi lending. They are all tax deductible though. Interest rates are usually 1-1.5% above residential lending (approx 9.6% + at present) although CBA business have a special on at present with nil est. fees for some jobs! 
Hope this helps?
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