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Why your banking conduct is important for a loan
It’s a fact of life now with most loans requiring bank statements to assess an applicant. Credit worthiness is about proving to a lender that you are a low risk to paying back the loan. In 2021, around 2.7 million people had a car loan. The average spend was...
Preparing for finance tips
If you're preparing for a new vehicle purchase that you are going to finance, it's a good time now to review your 'match fitness' for finance. Things have changed dramatically over the past few years when it comes to finance. Here are my top tips in preparing...
Why Get Finance Pre-Approval?
Imagine you have decided on a car, you’ve done your research online, watched countless videos on Youtube and now have your heart set. You go to the dealership and get things moving only to be forced in front of the Finance and Insurance salesperson (also known as...
Been Declined For Finance?
There are some things in life that can feel pretty terrible and one of those things is being declined for finance. Worse still is not really understanding why. You may think, I have a good stable job, I am pretty good with bills and paying back loans…...
Credit Scores
The better your credit score, the better the choice of lenders, terms and conditions you’ll have.Lenders in Australia use your Credit Score as one of the measures to make a decision whether to loan you money, how much interest you will pay, and the conditions of...
What are Balloon payments?
When it comes to car finance there is an add-on that some financiers allow you to apply known as a balloon payment. It’s a way that the loan is structured to leave an amount at the end of the loan that you payout in one lump sum. Balloon amount: $15,000.00 (30%)...
Information required for assessment
When completing an assessment for finance for a car, boat, trailer, caravan or leisure craft, we are often asked why so much information is required. Just give me a rate! We can certainly provide a range of rates available in the market, but this does not mean you...
