FAQ’s

ASSET & BUSINESS FINANCE FAQ’s

  • A Finance Broker has access to a range of lenders - some you might not have considered. A Finance Broker will also take into account your business needs and goals to align you with a lender that has an appetite for your business finance needs.

  • This is dependent upon whether you go down the low-doc or full-doc route. Low-doc may only require bank statements, whereas full-doc will generally require 2 years of full financials, bank statements etc.

  • Generally yes, we have some lenders on our panel who will consider ATO debts on a case by case basis.

  • We have access to both secured and unsecured loan options through our panel of lenders.

  • Generally yes, with access to various lenders - we have access to some loan options that allow relatively new businesses obtain finance.

  • We have access to lenders who will consider businesses who are not GST registered, however this may limit the amount you will be able to borrow.

  • Generally yes, we have finance options available for sole-traders.

  • Absolutely! Please feel free to contact us via the ‘Contact’ page of our website.

PERSONAL FINANCE FAQ’s

  • A Finance Broker has access to a range of lenders that you may not have considered if you applied on your own. We also have a strong understanding of lender policies, and can make informed recommendations of which lender may be suitable based on your unique needs and goals.

  • This depends on your income, existing debts and living expenses. It is important to ensure that the loan amount you are wanting is a realistic amount that suits your budget and avoids overstretching your finances.

  • We have lenders who allow non-homeowners to obtain finance for vehicles.

  • Generally yes, we have lenders on our panel who cater to people with poor or limited credit history. We endeavour to help you explore what options are available for you and your unique circumstances.

  • It’s an exciting time when you’ve found a vehicle you love! Approval times vary based on the lender. If time is important to you - this may influence the lenders we recommend due to turnaround times.

  • We will complete a soft-touch credit check before submitting an application to a lender. Each time a credit check is done, it can negatively impact your credit score so we work to find a suitable lender based on your needs to minimise any unnecessary credit enquiries. For more information, we recommend you review Equifax here.

  • Generally yes, with access to a range of lenders - each lender has their own requirements and some are willing to finance older vehicles.

  • Absolutely! Please feel free to contact us via the ‘Contact’ page of our website.