Common questions

Usually. A knock-back from one lender isn’t a knock-back from all of them — different lenders weigh things differently, and that’s exactly what a panel is for.

There can be tax advantages to financing business assets, but eligibility and treatment depend on your circumstances — your accountant or the ATO is the right call on what applies to you. We’ll sort the finance; they’ll sort the deductions.

Often, yes — whether it’s car finance for a work vehicle or broader business finance, self-employed and ABN-holder lending is bread and butter for the right lenders. 

What you’ll need to provide depends on the lender and how your business is set up, so it’s worth a quick chat to map it out.

Yes. We arrange boat finance across Lake Macquarie — you deal with the seller on the vessel, we sort the funding.

Often faster than you’d expect — many equipment finance applications get an indicative answer quickly once we have the details. Actual timing depends on the lender and your circumstances.

Both.

We arrange car finance in Lake Macquarie for personal buyers and commercial vehicle finance for businesses. The right structure depends on how the vehicle will be used and who’s on the loan, which we’ll walk through with you.

Yes. Self-employed and sole-trader applications are our bread and butter. We arrange business finance in Lake Macquarie for people whose income doesn’t fit a neat payslip, and we know which lenders are comfortable with that.

Yes, if it’s a genuine work vehicle. We arrange finance around commercial use — talk to us about your setup and we’ll tell you straight whether it stacks up.

There are often tax advantages to financing business equipment, but eligibility depends on your structure and circumstances.

Check with your accountant or the ATO before you count on it — we’ll happily work in with whatever they advise.

Your bank can only offer its own product. A broker compares the market for you, which usually means better terms and a lot less legwork — and our advice costs you nothing, as lenders pay broker commissions.

That’s fine — we’ll work with what you’ve got and flag where professional tax or structuring advice would be worth getting. We’re not a substitute for it, and we won’t pretend to be.

No. Plenty of transactions are straightforward and don’t need it. Where it adds value — more complex structures, tax-sensitive decisions, bigger commitments — we’ll suggest looping them in, and we’re happy to do the talking so you’re not stuck relaying between two advisers.

As a rule, yes — any time you’re borrowing, your accountant should have visibility, whether it’s a mortgage, an equipment facility or a business loan. The finance and the tax picture are connected, so the people advising on each work better with a shared view. On the business finance side, that coordination is how we operate as standard.