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Australian Finance Solutions can put you behind the wheel

Ebtide Motor Vehicle FinanceAustralian Finance Solutions can offer you a wide range of vehicle finance options from personal and low doc loans, hire purchase, business leasing as well as consumer mortgage loans for individuals.

We thoroughly research a range of options for you to ensure you are always receiving the most competitive rates as well as terms and conditions that suit you, including repayment options and loan security.

Are you looking for loan pre-approval for a your next motor vehicle? Allow Australian Finance Solutions to explore the best features from a wide range of lenders for all kinds of motor vehicle finance and refinancing including car, motorcycle and boat loans. If you've just started looking or you already have a vehicle in mind, take the guesswork out of financing with Australian Finance Solutions.

We can also help you borrow for a new or used vehicle straight away. One of our professional finance brokers will contact you to find out what you need and when, explain your options, handle  the paperwork and do everything we can to get you quick and easy loan approval.

If you’re looking to trade and upgrade, or to secure a deal if it’s your first set of wheels, look no further than the team at Australian Finance Solutions.

 

Hire Purchase
A hire purchase is a widely used financal arrangement that can be used to pay for goods over a predetermined period of time – usually one to five years – rather than paying the full cost upfront, with ownership retained by the lender until the hire purchase term is complete and your final repayment is made. At the end of the hire purchase term the title of the goods automatically passes to your business. Repayments on a hire purchase are often quite flexible and can be specifically tailored to your business needs, which is ideal if your business necessarily operates on irregular cash flow due to seasonal sales cycles or programs.

Chattel Mortgage
A chattel mortgage is similar in scope to a residential mortgage, the main difference being that the finance provided is used to purchase vehicles or equipment rather than property. With this arrangement, complete ownership of the goods passes to you at purchase; however, the title to goods remains with your finance provider until the mortgage is fully repaid. There may also be additional tax benefits, including standard depreciation and cost of interest. A chattel mortgage is usually a fixed interest loan with a one to five year loan term, and is almost certainly secured by the vehicle or equipment you are purchasing. Similar to a hire purchase agreement, you may choose to make a lump sum payment at the end of the loan term, reducing your ongoing repayment amount.

Leasing Finance
Under a leasing finance agreement, a leasing company takes full ownership of vehicles and equipment and then leases them to your business for an agreed repayment amount and loan term, usually a two to five year period. Leasing finance is most effective when you need vehicles or equipment that have longer than average working lifespans. As a leasing finance agreement is based on a fixed rate/fixed term contract, you have the added benefit of effectively planning your finances over the leasing finance period. In addition, lease payments are usually tax deductible and you should be able to claim the GST proportion of your payments for tax purposes.