I am a sole operator with the backing of one of the largest finance aggregators in Australia, so I have access to the technology and tools they provide and am still able to get the great deals that lenders provide larger organisatons, with the individual, personalised service of a sole operator that will be looking after you from start to finish. This means you are not treated as a number, as I have real costs on the line, and not just a bum on a seat churning through clients until its easy as an employee who gets a base salary plus incentives.
Yes, I am based around the Epping area in Sydney. I work from a home office as do many small businesses these days. If you prefer working face to face and want to meet somewhere in Sydney, we can arrange a meeting at a suitable mutual place by appointment. But most business is done over the internet today with brokers and lenders alike
No, we can assist with many different lenders if you are buying privately, through an Auction or licenced dealer. There may be some additional requirements when buying privately to verify true ownership of the person selling the vehicle.
Most things are electronic now, so lenders can verify you online and arrange signatures to be done electronically now in most cases, so this makes things very easy to be able to assist clients Australia wide and using lenders that are based in multiple statess giving you much more options for lenders
A secured loan will use the purchased asset as security over the loan, meaning that if you don’t abide by your loan terms and conditions, the lender may be able to repossess your asset to recoup their losses, so this is a lower risk loan for the lender and often comes with lower interest rates, whereas an unsecured loan is when the lender forwards you the funds directly to you to use the funds for you requirements without using any asset as security, meaning if you didn’t abide by your loan terms and consitions, they cannot repossess any asset.
As we are a finance broker with a large panel of lenders, we can assist all types of clients from people with perfect credit and people with bad credit and everything in between.
Yes, we can get you a pre-approval based on the age range of the vehicle you are looking at and the amount. Once you have finalised the vehicle and price, we adjust that for the formal approval, but you can shop comfortably with a pre-approval in hand knowing that everything has passed the lender’s requirements excluding the vehicle.
When we gather information for the purpose of a quote, this will have no impact to your credit score just to get a quote. The only time an enquiry will be placed on your file is if you accept the quote and we proceed to obtain a pre-approval from the lender
No, we will be able to assist with pretty much most assets outside of property, and can even assist with personal loans. We help businesses and individuals too and we have access to lenders that will fund most assets.
Approvals can often happen same day as the application and supporting documents are received, and the same timeframe for settlement. We have had approval and settlement happen in the same day if everything runs smoothly, but often as there a multiple parties involved in a transaction we can only move as fast as those all involved. As a rule of thumb I would generally allow 1 business day for approval and the same for settlement, if it will be longer we will let you know upfront based on lender’s usual timeframes, but we can move quickly and use a lender to suit timeframes if time is of the essence.
Often the first question that is asked, and as a broker we use an extensive panel of lenders to determine the best interest rate that you should qualify for, as a number of things are considered when lenders assess rates such as your credit score, the age of car, your borrowing history and asset position just to name a few.