How does Hire Purchase work? 

• Choose perfect new or used car for your needs. 
• Choose the most suitable repayment period, between 24 and 60 months. 
• Agree on a deposit or final lump sum payment, and monthly repayments to suit your budget. 
• At the end of the contract, decide if you’d like to pay the final lump sum payment to own your car outright, or refinance this amount, or maybe even trade in for a brand new vehicle. The choice is yours.

What are the benefits of Hire Purchase?

• At the end of the agreement (including your final lump sum payment if applicable), you will own your vehicle outright. 
• Fixed monthly payments help with your budgeting. 
• Flexible contract structured to suit your needs. 
• Advantages for Business Users.

How does a Secured Consumer Loan work? 

• Choose the perfect new or used car for your needs. 
• Choose your most suitable repayment period between 24 and 60 months. 
• Decide whether you want a final lump sum payment. 
• You agree on a deposit and monthly repayment to suit your budget.

At the end of the contract, decide if you would like to pay the final lump sum payment to own your car outright, refinance this amount, or maybe even trade in for a new vehicle. 

What are the benefits of a Secured Consumer Loan?

• At the end of the agreement (including any final payment) you own your car with nothing further to pay. 
• You have the option of including the on the road charges if you wish. 
• Fixed monthly payments help with your budgeting. 
• Flexible contract structured to suit your needs  
• Advantages for Business Users.  
• Direct Debit available  

What is Chattel Mortgage? 

Individual business customers accounting on a cash basis can claim back GST as soon as they lodge their next Business Activity Statement (BAS).   Chattel Mortgage is designed especially for those sole traders and partnerships, who account for their business on a cash basis.

What are the benefits of Chattel Mortgage?

• Flexible contract structured to your business needs. 
• Terms available 24 to 60 months. 
• Final balloon payment facility available. 
• Ability to structure the repayments to exactly suit your budget.

How does a Novated Lease work? 

The inclusion of a motor vehicle as part of an employee's remuneration package has always been viewed as an attractive benefits. 

What are the benefits of Novated Leasing? 

There are many benefits to this type of package including, but not limited to: 

• Provides flexibility for both employer and employee. 
• Greater choice in vehicle selection. 
• Cost and tax effective. 
• Employee gains the benefits of the lease payments, running costs and Fringe Benefits Tax being paid from pre-tax income. 
• Motor vehicles remain an attractive component of any remuneration package because they are concessionally taxed for Fringe Benefits Tax purposes. 

Please speak to one of our Business Managers to run through all of the advantages of a Novated lease for both employee and employer. 

There are many benefits to this type of package including, but not limited to:

• Provides flexibility. 
• Greater choice in vehicle selection. 
• Cost and tax effective. 

Please speak to one of our Business Managers to run through all of the advantages of a Finance lease.