Car Loans and Leasing
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.Or click here and get the best of both worlds and sign up for a novated lease while driving a car for personal use.
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.
Consumer Loan (secured)
A Consumer Loan is designed for individuals who want to use their car mainly for private purposes, and for whom private ownership is important. It offers loans with or without balloon payments. By utilising a balloon value you can reduce your payments considerably and improve your cash flow.You can structure the monthly installments to suit individual budgetary requirements. By opting to place a deposit, or by nominating a final lump sum payment at the end of the finance term, you can conveniently decrease your monthly repayments, giving you greater security when managing your budget and planning your financial commitments.
Ownership is transferred to you as soon as the first payment is made, in exchange for security over the vehicle. This is discharged upon payment of the final installment.
You may also be given the opportunity to re-finance your final lump sum payment at the end of the contract term.
Simple steps to get started
Click here if you wish to get a quote or be pre-approved and one of our friendly team member would give you a call and discuss the most suitable finance options for your next car purchase.
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.
Testimonials
Thanks to Chris and the guys at Carbroker.com.au we took delivery of a top of the range model for the same price as a dealer had quoted for the base model. No haggling, no hassles, no hesitation in recommending this service.
M.F., Perth
WOW FACTOR!! For the sevice provided, the lovely people that are always a pleasure to deal with and the easy delivery of the new car that I requested - I am an extremely happy customer. I was lucky to stumble across the Carbroker.com.au website and have told friends and family that there is no better way to buy. Chris - thanks for doing a great deal for me in the purchase of the Toyota - saved me thousands of $$$ and found me a beautiful new car. Fantastic website & a lovely person to do business with. Cheers!!
C.S., Rye
Don't know how you achieve your prices but it certainly makes a difference, avoids the hassle of dealing with salesmen and has been excellent value for money. Will definitely recommend your services to family and friends.
A.J., Melbourne
I took delivery of the new car today. Until it actually happened I had a concern at the back of my mind that it was too good to be true to get the car at the price you obtained for me, with no catches. The dealer rep has been great and I have had no sense of getting cut price service to go with the low price. So, thank you. I am sold and based on my experience I am sure your business will continue to grow simply by word of mouth....mine will be among the loudest.
P.B., Sydney
Just picked up the Madza and we are both delighted with the price and the service. Your service is brilliant ... I can't of a better way to buy a new car. On behalf of Val and myself a BIG THANK YOU!
K.J., Melbourne
We weren't sure what to expect when using this service. It turned out to be one of the cheapest, stress-free and best investments we've ever made! Within a few hours of our enquiry Carbroker.com.au came up with a deal that saved us 13% off the recommended retail price of a new car. Further, by using the advice provided to members regarding the sale of our used car we were able to get $1500 more than any previous trade-in offer in just a matter of hours! This is a fantastic service that in total, put about $5000.00 in OUR pocket - not the dealer's! We'll never buy another new car again without going straight to Carbroker.com.au!
D.W., Sydney
All went well with the sale - your dealer was helpful, friendly and arranged the tray with no fuss or fanfare. The whole process has been totally painless and I will (and have been) recommend your service to everyone.
R.H., Mitcham
I drove around in my old car most of today and decided that I really had enough of it. Your quoted price of $18,200 is at least $1,000 cheaper than any of the others; I have been to three different dealers and haggled all day long.
S.L., Brisbane
I would like to thank you and your organisation for your assistance in the purchase of my new Hyundai Tiburon. As you are aware, I am Sales Manager of a busy company in Brisbane, and I did not have to leave my office once during the 4 days it took to find the car,organise trade-in,arrange for extras and deliver the car. I would have no hesitation in recomending your organisation to both, my friends and interested parties looking to purchase a new car. Thanks again and good luck in the future
B.R., Brisbane
Being a single woman, the thing I appreciated most was not being ripped off by sleazy car salesmen. I actually paid much less than a guy working in my office who bought (almost) the same car!
L.R., Sydney