Asset Finance

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

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Whether you're wanting a new vehicle, plant or machinery, we're on your side

At Picker Financial Solutions, we understand that growing your wealth through property investment is a significant step. Asset Finance is a crucial tool for Australians looking to expand their business capabilities and maximise their investment potential. Whether you're buying new equipment or upgrading existing assets, we offer a range of finance options tailored to your business needs. Our goal is to help you navigate the complexities of Asset Finance, so you can focus on what matters most: growing your business.

Accessing Asset Finance options from banks and lenders across Australia can provide you with the necessary funds to invest in a variety of commercial equipment. This includes everything from office equipment and work vehicles to specialised machinery like trucks, trailers, excavators, tractors, graders, cranes, dozers, and factory machinery. With Picker Financial Solutions, you can explore different loan options such as a chattel mortgage or a Hire Purchase agreement. These options offer flexibility in terms of loan amount, interest rate, and repayment terms, making it easier to find a solution that fits your business needs.

One of the benefits of applying for Asset Finance is the streamlined application process we offer. Our team at Picker Financial Solutions is dedicated to simplifying the process, ensuring that you can secure the finance you need without unnecessary delays. We collaborate with various banks and lenders to present you with the most competitive interest rate and loan amount tailored to your specific requirements. Our aim is to make the process as efficient as possible so that you can focus on acquiring the equipment necessary for your business operations.

When it comes to buying new equipment or upgrading existing assets, having access to the right finance options is crucial. Commercial equipment finance can help you invest in essential tools and machinery that keep your business running smoothly. For example, if you need a new truck or trailer for transportation or specialised machinery like excavators and tractors for construction projects, we have loan options that cater to these needs. Additionally, we offer solutions for those looking to finance office equipment or factory machinery, ensuring that all aspects of your business are covered.

Fixed monthly repayments are another key feature of our Asset Finance solutions. Whether you opt for a chattel mortgage or a Hire Purchase agreement, having a clear repayment plan helps manage cashflow effectively over the life of the lease. This predictability allows you to budget more accurately and ensures that your financial obligations are met without compromising other areas of your business.

Collateral is often a requirement when securing Asset Finance. At Picker Financial Solutions, we guide you through the process of using purchased assets as collateral, which can often result in more favourable loan terms. This approach not only secures the loan but also leverages the value of the assets being financed, providing added financial flexibility.

In summary, accessing Asset Finance options from banks and lenders across Australia can significantly enhance your business's ability to grow and succeed. From offering a streamlined application process to providing various loan options tailored to your needs, Picker Financial Solutions is here to support you every step of the way. Explore our finance options today and take the next step towards achieving your business goals. Contact us now to discuss how we can help you secure the Asset Finance that best suits your needs.

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SS

Sarah Stokes

Steve from PFS is a delight to work with and makes things easy to understand.

NL

Nathan Lomas

Don't even think about using another broker. The Picker team are the GOATS!

CB

Chad Barling

Been great help, quick and easy process in buying my first investment property

Frequently Asked Questions

How much can you afford?

The first thing we will do is work out your borrowing potential. You may have a dream home in mind but first you need to know if you can afford it. There are many factors that will influence your decision around what to buy and where – proximity to work and family and your stage of life are just a few – but the single biggest decider is nearly always what you can afford. It’s really a case of looking at the big picture and working your way back from there. Consider your household income and what you realistically can afford in loan repayments, taking into account all of your expenses (even coffees and lunches). As a guide a mortgage calculator can be a great place to start, but it won’t take into account all of your personal circumstances or eligibility for a loan. Talking to us will give you a much more accurate idea of what you can afford. We can look to obtain pre approval from a lender so you can put an offer on a home when you find the one you like. Of course, even with a pre approval a subject to finance clause is an important protection.

Why not go straight to a bank?

Of course you can go to a bank, but this can be trickier than it sounds. Firstly, which one do you choose? Which of their products is right for you? And what about other lenders, building societies and credit unions? Australia is indeed the lucky country. We are blessed for choice when it comes to the amount of competition that exists when it comes to the mortgage market. With so many lenders, and so many products under each of their brands, it’s important you make the most of this regarding who and what you choose when it comes to your home loan. There are a lot of options out there and, with regularly moving interest rates and new products, it’s an ever-changing market. And let’s not forget that if you’re a first homebuyer, you’re probably very new to this. That’s why a broker makes sense. We do this everyday. We know the lenders, their products and policies and we keep up-to-date with changes. We help choose what’s right for you. Banks enjoy working with brokers, as we do a lot of the banks’ work for them and making their jobs much easier and may help speed up the application process and get you the top-notch customer service you deserve. In the simplest terms, having a broker in your corner makes finding the right loan easier and can save you time and, hopefully, money.

Do you know how well your current loan stacks up?

Things change, and chances are since you got your home loan interest rates may have moved, and life has too. Has the official cash rate changed since your current loan settled? Has the rate your lender is charging you changed? What about the fees and charges? Chances are the market has changed too. New products designed to attract borrowers are always being introduced, and lending appetites are an ever moving feast. Let’s not forget that things have probably changed in your life too since you took out the mortgage. Your income may have changed, and your expenses probably have too - your financial goals could also be different. Even though most loans are around 30 years in length, you may be surprised to hear that Australians often change their home loan every 4-5 years as they refinance. Refinancing is a chance to look at what’s out there and to check to see whether your current loan is still the right one for you. If it’s not, it may be time to refinance. If you are looking to switch, this guide contains some of the key things you may want to consider.

Why do people invest in property?

Over the last few decades, the values of some properties have often risen more than the rate of inflation. Some say property ownership is a national obsession, with affordability issues, house prices, and interest rate movements constantly in the news. Apart from a common general understanding of the market, there are other reasons people like to invest in property. Some common ones being the potential for capital growth (how much the property rises in value over time), return from rent, and tax benefits. You’ll find more about these over the next few pages. Another plus is you don’t need to be a long time investor with lots of funds on hand to start investing. If you already own a home that’s increased in value, you can potentially unlock this equity to help purchase another property. Or, if you’ve yet to buy your own home you can use the rent to help pay the mortgage on an investment property and get a start in the market.

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