With so much competition around and interest rates at historic lows there’s never been a better time to look at financing options.

We have access to a wide range of lenders, so regardless of whether you’re looking to finance the balloon payment on an existing contract or just looking to upgrade your loan we can help to turn your plans into reality.

No matter whether you’re full time employed, part-time, casual, self-employed, retired or operating your own business, our experienced finance experts will help you to find the right solution. Even if you’re on a working visa, a recent migrant or had credit problems in the past our experts will find the best options for you.

There’s a range of options available to you depending on your circumstances. Our experts can help to guide you through the different types of re-finance loans, which options you qualify for and the potential pros and cons of each.

Secured loans are commonly used by private individuals buying assets for predominantly personal use.

Whilst you take ownership of the asset at the time of purchase the lender will keep their interest registered until the loan is fully paid. Once the loan is paid in full the lender removes their interest and you have what is known as ‘clear title’.

Unsecured loans are commonly used by private individuals for personal use purchases.

The main feature of an unsecured loan is that you don’t have to provide any collateral as security to the lender.

Hire purchase is suitable when the asset will be used for predominantly (50%+) business purposes. The product is mainly used by ABN holders – companies, sole traders, trusts and partnerships.

Hire Purchase can also be referred to as Commercial Hire Purchase and Term Purchase. Under a hire purchase agreement the lender owns the asset during the term of the loan. The lender registers an interest in the asset to show others that they are using it as security for the loan.

A chattel mortgage is suitable when the asset will be used for predominantly (50%+) business purposes. The product is mainly used by ABN holders – companies, sole traders, trusts and partnerships.

Under a chattel mortgage the lender takes the vehicle (chattel) that you’re using the loan for as collateral. The lender registers an interest in the chattel to show others that they are using it as security for the mortgage.