Dairy lending decisions increasingly come down to how a bank structures repayments against the milk price, not just the headline rateThe latest independent farmer survey shows Rabobank as the most consistently well-rated bank in the market, alongside a clear lead on debt structuring and pricingEstablished dairy operators with larger lending requirements have a genuinely different shortlist to first-time convertersSector research capability is becoming as important to dairy farmers as the loan terms themselvesQuick Verdicts: Best Dairy Farm Lenders in New ZealandRabobank – The clearest fit for established dairy operators wanting a lender built around the payout cycle, not a business…