Equipment Finance

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

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

Welcome to Picker Financial Solutions, your trusted partner in navigating the complexities of equipment finance. Whether you’re looking to grow your wealth through property investment or enhance your business operations, having the right equipment is crucial. We offer a range of finance options to help you access equipment finance options from banks and lenders across Australia. Our expertise ensures that you get the best interest rate and loan amount suited to your needs, making the process of buying new equipment or upgrading existing equipment seamless and efficient.

At Picker Financial Solutions, we understand the diverse needs of Australian businesses. From acquiring office equipment and work vehicles to investing in specialised machinery like trucks, trailers, excavators, tractors, graders, cranes, and dozers, we cover all aspects of commercial equipment finance. Our streamlined application process simplifies applying for equipment finance, allowing you to focus on what matters most – growing your business.

One of the main benefits of our equipment finance solutions is the wide range of loan options available. We offer various finance options, including chattel mortgages and Hire Purchase agreements. These options allow you to secure loans against collateral, such as the vehicle or factory machinery you intend to purchase. With fixed monthly repayments, you can manage cashflow more effectively over the life of the lease or loan term. This predictability in costs helps in planning and budgeting, ensuring that your business operations run smoothly without financial surprises.

Another advantage of choosing Picker Financial Solutions is our commitment to providing tailored solutions that match your specific business needs. We recognise that no two businesses are alike, which is why we work closely with you to understand your unique requirements. Whether you need finance for office equipment or specialised machinery, our advisors will guide you through selecting the most suitable loan amount and interest rate. We also help you decide between different types of finance options, like chattel mortgages or Hire Purchase agreements, based on your financial situation and long-term goals.

Moreover, upgrading existing equipment is made easier with our flexible finance solutions. If your business needs to replace outdated machinery or expand its fleet of work vehicles, we provide access to competitive commercial equipment finance options. This ensures that your business stays ahead of the competition by utilising the latest technology and equipment without exhausting your capital reserves.

Our expertise extends beyond just providing finance; we also assist in the entire application process. From gathering necessary documents to liaising with banks and lenders across Australia, we ensure a hassle-free experience when applying for equipment finance. Our team of experts is dedicated to ensuring that every step is clear and straightforward, allowing you to secure the best terms for your equipment purchase.

In summary, Picker Financial Solutions is your go-to provider for all your equipment finance needs in Australia. By offering a range of loan options and a streamlined application process, we make buying new equipment or upgrading existing machinery simple and efficient. Whether you require office equipment, work vehicles or specialised machinery like trucks, trailers, excavators or cranes, our tailored solutions are designed to meet your unique business needs. Contact us today to explore how our commercial equipment finance solutions can help you manage cashflow and invest in the future growth of your business.

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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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