Car Loans

Ready to step into that dream car? We can help get you on the road quickly with a Car Loan

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Whether it's your first car or dream car, we've got you covered

At Picker Financial Solutions, we understand that investing in a car is an important step for many Australians looking to grow their wealth through property investment. Whether you're purchasing your first car, a family vehicle, or a luxury car, choosing the right car loan can significantly impact your financial strategy. We offer tailored car loan solutions to help you access Car Loan options from banks and lenders across Australia, ensuring you get the best interest rates and terms suited to your needs.

Navigating the Car Loan application process can be daunting, particularly when dealing with multiple lenders, interest rates, and repayment plans. At Picker Financial Solutions, we streamline this process for you, taking the hassle out of buying a car. Our experts are here to guide you through every step, from calculating car finance to finalising the minimal paperwork required. Whether you're looking for a new Car Loan, a used Car Loan, or even a green Car Loan for an electric or hybrid car, we can help you find the right fit.

One of the key elements of our service is maximising your borrowing capacity. When applying for a car loan, it's crucial to understand how different factors like your income, credit history, and existing debts affect your loan amount. By carefully assessing your financial situation and providing personalised advice, we ensure that you get the most favourable terms possible. Our streamlined application process includes gathering essential documents such as bank statements, which helps to speed up approval times and get you behind the wheel sooner.

Choosing the right car loan also involves understanding the various types of loans available. For example, a secured Car Loan uses the vehicle as collateral, often resulting in lower interest rates compared to unsecured loans. This can be particularly beneficial if you're purchasing a high-value vehicle like a supercar or a luxury car. On the other hand, if you're eyeing a convertible, van, ute, SUV, people mover, wagon, or sedan, our flexible loan options can accommodate your specific needs and preferences.

We also offer specialised services for those interested in green Car Loans, which cater to electric and hybrid cars. These loans often come with lower interest rates and additional benefits aimed at promoting environmentally friendly choices. Furthermore, we work closely with various dealerships to ensure you receive competitive car finance rates and terms. Our goal is to make your car-buying experience as smooth and rewarding as possible.

When it comes to Car Loan repayments, understanding your options is crucial for effective financial planning. We provide detailed insights into different repayment plans, helping you choose one that aligns with your budget and long-term goals. Whether you prefer fixed or variable interest rates, our advisors are here to help you make an informed decision.

At Picker Financial Solutions, we believe that buying a car should be a positive experience that contributes to your overall financial well-being. By offering a comprehensive range of car loan options and personalised advice, we empower you to make the best choices for your situation.

Ready to take the next step? Contact Picker Financial Solutions today to learn more about how we can assist you in accessing Car Loan options from banks and lenders across Australia. Let us help you find the best interest rate and loan amount tailored to your needs. Get started on your Car Loan application process now and take the first step towards owning your dream car with minimal hassle and maximum benefit.

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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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