Asset Finance
Need funds to buy equipment or a vehicle? We can help with Asset Finance

Rated 5 from 65 Reviews
Need funds to buy equipment or a vehicle? We can help with Asset Finance
Rated 5 from 65 Reviews
In the dynamic world of business, having the right tools and equipment is essential for success. At fundfin., we understand that acquiring these assets can be a significant investment. Our asset finance solutions provide you with the flexibility to access Asset Finance options from banks and lenders across Australia. Whether you're looking to buy new equipment, upgrade existing ones, or invest in specialised machinery, our tailored services are designed to meet your unique business needs. With competitive interest rates and a streamlined application process, we ensure you can focus on what matters most—growing your business.
When it comes to applying for Asset Finance, choosing the right loan options can make all the difference. Our team at fundfin. is committed to helping you secure the best finance options for your particular needs. Whether you're interested in purchasing work vehicles, office equipment, or commercial equipment like trucks, trailers, excavators, tractors, graders, cranes, or dozers, we guide you every step of the way. We offer a chattel mortgage option where the asset serves as collateral, providing security while allowing you to manage cashflow with ease through fixed monthly repayments. This means you can maintain control over your finances without compromising on quality or operational efficiency.
For businesses that prefer flexibility over ownership, Hire Purchase is an attractive alternative. This option allows you to use the equipment over an agreed term while spreading the cost across the life of the lease. It’s ideal for managing cashflow effectively and ensuring that you have access to the latest technology without the upfront costs. Whether it's factory machinery or specialised vehicles, our Hire Purchase agreements are structured to support your business objectives, offering a practical solution to acquiring necessary assets.
We also understand that every business has its own unique requirements. That’s why our commercial equipment finance solutions are designed with you in mind. If you need to finance a fleet of vehicles or upgrade your office equipment, we offer flexible loan amounts tailored to your situation. Our expertise ensures that you get access to Asset Finance options from reputable lenders across Australia, with terms that suit your business strategy. Our dedicated team works with you to identify the best approach, ensuring that your investments align with your long-term goals.
At fundfin., we believe in making the process of accessing finance as straightforward as possible. Our streamlined application process ensures minimal disruption to your day-to-day operations, so you can apply for Asset Finance with confidence and ease. From initial consultation to final approval, our experienced advisors are here to assist you in selecting the right loan options and finance solutions tailored to your specific needs.
Let fundfin. be your trusted partner in securing the essential equipment needed for your business's growth and success. Explore our comprehensive range of asset finance solutions today and discover how we can support your ambitions with flexible terms and competitive interest rates. Contact us now to learn more about how our asset finance services can empower your business to thrive in a competitive market.
BC
Bertrand Caron
James was extremely competent and helpful. 10/10 would recommend!
GK
George Kallinicos
We found James timely and responsive making the mortgage process easy. Highly recommend him
NH
Narelle Heck
James's knowledge and understanding of SMSF loans was instrumental in getting our commercial property purchase over the line. Will definitely be continuing with James for all our future finance needs.
An offset account is a transactional account that sits against the loan. Any funds held in this account go to offsetting interest payable on the loan. For example, if your loan balance was $100,000 and you held $90,000 in your offset account, you would only be paying interest on $10,000. While the principal reduction repayments would remain the same, you would pay less interest over the life of the loan, thereby reducing the overall loan term saving you thousands or more! As with any everyday transactional account the funds are accessible at any time.
Generally if you are on a fixed rate loan you won't have access to an offset account however some lenders offer niche products that allow you to offset all or part of the fixed loan.
Redraw is where you make additional repayments above the minimum required as part of your loan contract. Some lenders allow you to draw on these additional repayments as required (sometimes for a fee) however this may impact on your loan balance and the interest payable.
Mortgage brokers operate independently of any financial institution. We're not locked into any relationships with specific lenders and want you to have the most competitive option based on your own unique set of circumstances. There is no 'one fit' solution for any client and we aren't limited to one lender's suite of products.
Best of all - there is no cost to you to use our service!
Yes you can. It comes down to the purpose and use of funds, as dictated by the appropriate lending guidelines.
For example, residential loan cannot be used for business purposes and vice-versa. We can assist in determining what loan is most suitable for your circumstances.
Not necessarily! Lenders Mortgage Insurance (LMI) is a premium charged by the lender's insurer for customers who need to borrow money above the maximum thresholds set by the insurer. Usually this is for loans above 80% loan to value ratio (LVR). However, some lenders offer LMI waivers for clients with certain professional qualifications up to 95% LVR, and other lenders may offer an alternate interest rate for customers with lower deposit without charging an LMI premium. There are also government backed first home buyer schemes which may allow for a deposit of 5%.
If you have any existing properties, you could also use the equity towards some or all of the deposit, including any associated costs such as stamp duty.
Some lenders also offer family pledge, or guarantor products where you can use the equity in a family member's home to borrow up to 100% of the purchase price plus costs.
Borrowing power is determinant on several factors. These can be a combination of, but are not limited to;
The lender
Your income (including rental income, pensions or super annuities, and government payments)
Your existing liabilities, such as credit cards, personal loans and HECS debts
Your monthly living expenses, fixed and discretionary
Lenders stress test the ability to afford loan repayments by running the loans against a floor rate, which is usually a couple of percentage points above the current market rate. This is to safeguard you in the event that if interest rates were to rise, you could still afford to make your repayments without experiencing significant hardship. Some lenders' floor rates are higher than others, meaning that you may be able to borrow more with Lender A than Lender B.
Existing debts, such as credit cards will also have an impact on how much you can borrow. While a $10,000 credit card might not seem like a lot in the scheme of things, it could be the difference of tens of thousands of additional borrowings on your home loan! This is where we can guide you to find the right options to suit your circumstances.
Absolutely - we can guide you through the entire process, from how much you can borrow, to first home buyers concession eligibility, putting you in touch with conveyancers and much, much more!
Absolutely, however it is important to note about what your goal actually is. For the sake of a few thousand dollars is it worth paying a few basis points more where any cash gain you have made will be eroded by the additional interest you're paying. If you have entered in to a longer loan contract, then you will likely end up paying more interest over the life of the loan, even if your initial rate is lower than what you were on.
Many lenders are offering rebates between $1000 and $4000 and some of these multiply per property refinance. We can discuss these options with you in your initial enquiry.