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Find out the best interest rates available:

Owner-occupied Home Loan
3.59% p.a.      3.75% p.a. CR*
The fine print...
The information provided in this website is for general education purposes only and does not constitute specialist advice. It should not be relied upon for the purposes of entering into any legal or financial commitments. Specific investment advice should be obtained from a suitably qualified professional before adopting any investment strategy. Whilst we aim to update our site frequently, interest rates change frequently, please contact us to confirm the latest offers. *Note: the home loan with the lowest current interest rate is not necessarily the most suitable for your circumstances, you may not qualify for that particular product, and not all products are available in all states and territories. The comparison rate provided is based on a loan amount of $150,000 and a term of 25 years secured by an owner-occupied residential property. Warning: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan. Whilst we endevour to keep the information on this website up-to-date at all times, interest rates change daily - always confirm the current interest by calling 07 3354 4576 before making any decisions.
Investment Home Loan
3.89% p.a.      3.91% p.a. CR*
The fine print...
The information provided in this website is for general education purposes only and does not constitute specialist advice. It should not be relied upon for the purposes of entering into any legal or financial commitments. Specific investment advice should be obtained from a suitably qualified professional before adopting any investment strategy. Whilst we aim to update our site frequently, interest rates change frequently, please contact us to confirm the latest offers. *Note: the home loan with the lowest current interest rate is not necessarily the most suitable for your circumstances, you may not qualify for that particular product, and not all products are available in all states and territories. The comparison rate provided is based on a loan amount of $150,000 and a term of 25 years secured by an investment residential property. Warning: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan. Whilst we endevour to keep the information on this website up-to-date at all times, interest rates change daily - always confirm the current interest by calling 07 3354 4576 before making any decisions.
Car Loan
7.25% p.a.      9.05% p.a. CR*
The fine print...
The information provided in this website is for general education purposes only and does not constitute specialist advice. It should not be relied upon for the purposes of entering into any legal or financial commitments. Specific investment advice should be obtained from a suitably qualified professional before adopting any investment strategy. Whilst we aim to update our site frequently, interest rates change frequently, please contact us to confirm the latest offers. *The interest rate is available to approved applicants financing a motor vehicle on a secured consumer fixed rate loan over 60 months. The comparison rate is based on a 5 year secured fixed rate loan of $30,000. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Applications for finance are subject to normal credit assessment. Conditions, fees & charges apply. Whilst we endevour to keep the information on this website up-to-date at all times, interest rates change daily - always confirm the current interest by calling 07 3354 4576 before making any decisions.
Personal Loan
7.95% p.a.      9.56% p.a. CR*
The fine print...
The information provided in this website is for general education purposes only and does not constitute specialist advice. It should not be relied upon for the purposes of entering into any legal or financial commitments. Specific investment advice should be obtained from a suitably qualified professional before adopting any investment strategy. Whilst we aim to update our site frequently, interest rates change frequently, please contact us to confirm the latest offers. *The interest rate is available to approved applicants getting a fixed rate personal loan over 60 months. The comparison rate is based on a 5 year secured fixed rate loan of $30,000. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Applications for finance are subject to normal credit assessment. Brokerage not included. Conditions, fees & charges apply.
Refinances available from:
3.59% p.a.      3.75% p.a. CR*
The fine print...
The information provided in this website is for general education purposes only and does not constitute specialist advice. It should not be relied upon for the purposes of entering into any legal or financial commitments. Specific investment advice should be obtained from a suitably qualified professional before adopting any investment strategy. Whilst we aim to update our site frequently, interest rates change frequently, please contact us to confirm the latest offers. *Note: the home loan with the lowest current interest rate is not necessarily the most suitable for your circumstances, you may not qualify for that particular product, and not all products are available in all states and territories. The comparison rate provided is based on a loan amount of $150,000 and a term of 25 years secured by an owner-occupied residential property. Warning: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan. Whilst we endevour to keep the information on this website up-to-date at all times, interest rates change daily - always confirm the current interest by calling 07 3354 4576 before making any decisions.
Pre-approvals available from:
3.59% p.a.      3.75% p.a. CR*
The fine print...
The information provided in this website is for general education purposes only and does not constitute specialist advice. It should not be relied upon for the purposes of entering into any legal or financial commitments. Specific investment advice should be obtained from a suitably qualified professional before adopting any investment strategy. Whilst we aim to update our site frequently, interest rates change frequently, please contact us to confirm the latest offers. *Note: the home loan with the lowest current interest rate is not necessarily the most suitable for your circumstances, you may not qualify for that particular product, and not all products are available in all states and territories. The comparison rate provided is based on a loan amount of $150,000 and a term of 25 years secured by an owner-occupied residential property. Warning: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan. Whilst we endevour to keep the information on this website up-to-date at all times, interest rates change daily - always confirm the current interest by calling 07 3354 4576 before making any decisions.

The Car Loan Process and how a car loan broker can help

The Car Loan Process Explained

Unless you’ve been through the car loan process, you may have no idea how to get a car loan, which may result in you paying extra fees and getting stuck with a higher interest rate than you could have.  I’m always available to help you through this process; however, I’ve written this article specifically to help you understand the process yourself.

Starting the car loan process...

Can I get a pre-approval first?

Yes! Most lenders will assess your situation and provide a free car loan pre-approval before you've even found which car you want. This can give you a great idea of how much you can afford and give you confidence going forward.

Select your car and get a quote

This is the fun bit.  Go see a few dealers, find a car you like, and ask them for a written quote on the car and any extras you want.  At this point, it’s probably a good idea to ask your dealer for a quote on finance as well, but it’s important to ask the right questions:

Talk to a Car Loan Broker

At this point you can shop around for a car loan a little.  Car Loan Brokers can generally find you a great deal and take the stress out of the application, but banks do car loans too.   Take your car and finance quote to whoever you choose to see if they can beat it, but be sure to ask the questions listed above.

Provide necessary documents

When you have decided on the car and your financier, they will ask you for your personal information and then walk you through what documents you will need to provide.  For most people, it will be as simple as: a Driver Licence, 2 recent payslips and the car quote. Many lenders will also assess your car loan application and ask for the documents prior to settlement.

Await approval

Once your application has been sent off, some lenders will give you an approval/decline almost instantly, however many have a general turnaround time of 24 - 48 hours.

Sign your car loan agreement and await funding

Loan documents will be issued to your Finance Broker or financier with all the terms, conditions and repayments outlined.  Check these carefully and sign them when you feel comfortable.  Your dealer will also need to provide an invoice for the full amount at this point, so the bank may pay them promptly.  Whilst this process is usually very quick, some dealers can be less co-operative than others; however, it is a legal requirement that they provide the invoice within seven days of the request.

Pick up your new car!

Enjoy your new car!

Last updated: 
06 January, 2018
       Author: 
Zak Avery