Motor Finance
Car and Vehicle Finance for Individuals and Businesses
Whether buying a new car, ute or truck - for personal use or business - we find the right finance structure and rate across a wide panel of lenders.
What We Offer
Vehicle Finance That Fits Your Situation
New and Used Vehicles
Finance for brand-new vehicles right through to quality used cars - we work across all ages and makes.
Chattel Mortgage
The most common business vehicle finance option - claim GST upfront and depreciate the asset.
Finance Lease
Keep the vehicle off your balance sheet with a finance lease - popular for businesses managing fleet assets.
Novated Lease
Pay for your vehicle pre-tax through salary packaging - a tax-effective option for employees.
Fast Approvals
Many applications are approved within 24 hours. We aim to have finance confirmed before you visit the dealer.
Competitive Rates
We compare rates across multiple lenders - not just one bank - to make sure you are getting a fair deal.
Business vs Personal
Choosing the Right Finance Structure
The best vehicle finance structure depends on how you plan to use the vehicle and your tax position. Here is a quick guide.
Personal Use - Consumer Loan
Fixed rate, fixed term. Simple and straightforward for personal vehicles not used for business.
Business Use - Chattel Mortgage
Claim the full GST upfront. Depreciation and interest are tax-deductible. Balloon payment optional.
Business Use - Finance Lease
GST claimed across the lease term. Vehicle does not appear on your balance sheet. Residual at end.
Employee - Novated Lease
Vehicle costs come from pre-tax salary, reducing your taxable income. Packaged by your employer.
Balloon and Residual Payments
A balloon payment at the end reduces monthly repayments. We will help you size it correctly.
How It Works
Finance in Your Pocket Before You Hit the Lot
Tell Us What You Need
Vehicle type, new or used, business or personal, and your budget - we gather the basics.
We Find the Best Rate
We compare lenders and come back with the best structure and rate for your situation.
Approval in 24 Hours
Most applications are assessed and approved within one business day.
Pick Up Your Vehicle
With finance approved, you are ready to collect - no pressure at the dealership.
Real Result
“I needed a new ute for work fast and wanted a chattel mortgage to claim the GST. Kevin sorted the finance in a day and the rate was over 1% lower than what the dealer offered.”
— Peter L., Tradesman - Western Sydney
6.99% p.a.
Rate Secured
1.2% lower
vs. Dealer Finance
Customer Reviews
What Our Customers Say
FAQ
Common Questions
A chattel mortgage is a business finance product where the lender takes a charge over the vehicle. You own the vehicle from day one, can claim the GST upfront, and deduct depreciation and interest costs. A consumer car loan is for personal use - simpler, but without the tax benefits.
Yes. Most lenders will finance used vehicles up to a certain age - typically 7-10 years at the end of the loan term. We will confirm the vehicle eligibility before applying.
A balloon (or residual) payment is a lump sum due at the end of the loan term. Including a balloon reduces your monthly repayments but means you will need to pay it off, refinance or trade the vehicle at the end. We will help you decide if it is appropriate.
Many applications are approved within 24 hours. We will often have an approval in hand before you have visited the dealership, putting you in a stronger negotiating position.
Yes - and there are significant tax advantages to doing so correctly. We will help you choose between chattel mortgage, finance lease, or novated lease depending on how the vehicle is used and your business structure.
Not always. Many lenders will finance the full purchase price, especially for new cars. A deposit reduces the loan amount and monthly repayments, but it is not always required.
Ready to Hit the Road?
Get Your Vehicle Finance Sorted Today
Book a quick call and we will have a finance quote to you within 24 hours - no obligation, no dealership pressure.
Free service. No obligation. Licensed mortgage broker.