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Finance Broker Services

We can help you with virtually any method of financing.

Novated Lease / Salary Packaging

For those who have the option of receiving a car as part of their salary package, novated leases are very popular. You can read more about novated leases and salary packaging here.

Chattel Mortgage

A chattel mortgage provides finance for companies and business professionals to purchase goods such as motor vehicles, trucks, earth moving, industrial plant and professional equipment, which are for business use more than 50% of the time.
You take ownership of the vehicle upon delivery, and the finance company secures the loan via a mortgage on the vehicle.
The main benefits with chattel mortgages are as follows:
  • Tax deductible. The chattel mortgage will produce tax benefits if the vehicle is used to produce assessable income.
  • No deposit. 100% of the vehicle can usually be financed under a chattel mortgage.
  • Early repayment. The mortgage can be paid in full before the term ends.
  • Fixed interest.
  • Term. The term can be one to five years.

To discuss your options (including chattel mortgages) please go to our Pre Approved Finance section and fill in your details.

Finance Lease

A finance lease is used by companies and business professionals to allow them to use business goods (such as a vehicle). At the end of the lease, you may purchase the car, re-finance it or return it to the finance company who would sell it at market value (You would need to make up the shortfall if the net sale was less than the agreed residual value).
The main benefits with a finance lease are as follows:
  • No initial cash outlay.
  • Match cash flow. A finance lease allows the lessee to select a lease term and repayments to suit their cash flow. Lease rentals and residual values can be negotiated within an appropriate range to allow more flexibility in budgeting.
  • Frees up assets. The vehicle itself is normally the only security required.
A Finance Lease does not require a deposit, and so gives you immediate use of the vehicle. Payments are fixed for the term of the lease, allowing fixed budgeting for your financial planning. For added flexibility you have the option to refinance the vehicle or make an offer to purchase the vehicle for the residual value at the end of the lease.
To discuss your options (including finance leases) please go to our Pre Approved Finance section and fill in your details.

Operating Lease / Rental

An Operating Lease is essentially a rental agreement where the costs are fixed and there is no residual exposure at the end of the contract. This means that provided return requirements are met, you can simply hand the vehicle back at the end of the term.
  • No initial cash outlay.
  • Less risk. The risk and responsibility of disposing the vehicle is removed from your business.
  • Tax deductible. The operating lease will produce tax benefits if the vehicle is used to produce assessable income.

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