Business Loans / Car Loans / Personal Loans

Business Loans / Car Loans / Personal Loans

BUSINESS CAR LOANS

If you have an ABN or the car will be for Business purposes then a Business Car Loan can be arranged to match your Business requirements.

Finding Car finance for a Start-up Business or even an established Business can be time consuming and our staff can workshop your requirements with suitable Lenders to ensure you receive the best deal.

The Banks have numerous Car loan options and subject to your Businesses circumstances the Bank will offer full or no document Loan assessments.

The Business Car loan may require more flexibility with Repayments, Terms, or a balloon payment at the end of the loan term. Cash Flow can be fickle and your Business may have unique cash flow where the standard repayments are not the best option for you.

The BAS refund can be applied to the loan contract and used as a repayment at a prearranged lump sum.

The lenders offer many Loan options to finance the Business car purchase:

  • Chattel Mortgage
  • Hire Purchase
  • Lease
  • Novated lease

Please refer to your Accountant to obtain advice on which loan option will suit your Business.

To learn more about how to qualify for a Business Car loan, including banks minimum requirements, feel free to talk to one of our friendly consultants today on 1300 308 225

 

CAR LOANS

The purchase of a Car can be a stress fill time, what with finding the right car, dealing with the Car Dealership, and then working out the best way to get the loan.

Car loans can hard to understand,

  • What is the best Interest rate for the car I am buying,
  • What is the repayment, can I get weekly or fortnightly repayments
  • Which Bank will do the best Interest rate deal,
  • Can I afford the Car Loan?

New Car.

Some Banks will consider a standard car that is up to 3 years old to be acceptable as a “New Car” and apply a New Car interest rate.

Used Car,

The Car is usually 2-3 years old, can be sold via a Car Dealership or private sale.

There are Banks that will finance a private sale/purchase, additional conditions will apply.

Refinance my current loan,

If you have an existing car loan and feel you are paying too much and you want a second opinion then give us a call as a number of lenders will refinance if the loan is in the first year or last year of the loan term.

To learn more about how to qualify for a Car loan, including banks minimum requirements, feel free to talk to one of our friendly consultants today on 1300 308 225

 

PERSONAL LOANS

So how do I get a Personal loan, I know I need the cash to finish off the house, buy the boat, get that used motorcycle, take that overseas trip, need to cover my stamp duty on the house purchase and I just need help.

I know what I want, I then need help getting the money for my purchase and I need to have the lowest amount of interest and fees.

The Personal Loan you need may not be with the BIG Four, some have had an issue in the past with a default or I have paid the default, or maybe I am still paying the defaulted loan.

So I need Bank to give me a chance to get a Loan, an option can be a non-standard Bank Lender.

I need more flexible requirements, I may not have a strong savings history, and I have paid back my loans. I need a Bank that will consider my good repayment history.

Personal Loans meet a need, and may be the best way to fund that purchase and that why a Licensed Finance Broker can bring together a Lender and borrower.

The basics,

  • Loan amount, what are all the costs,
  • What is the Interest rate going to be,
  • Can I afford the Personal loan, can I make the repayment safely from my wages,
  • What is the longest term I can have for my Loan,
  • What are the fees and charges,
  • Where do I start

The Banks do need an income to show you can repay the Personal Loan, and sometimes the income comes from working in employment where you are on casual, part time or contract terms.

Banks will Lend on these employment types, we just need to show that you are receiving a regular income.

So if you need a Personal loan, you can show you are earning an income and we establish that you can afford the loan then make contact with Top Mortgages.

To learn more about how to qualify for a Personal loan, including banks minimum requirements, feel free to talk to one of our friendly consultants today on 1300 308 225

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