Drive Your Dream Car Today - Flexible Finance Solutions for Every Need
Leverage your home equity to secure competitive car finance rates with flexible repayment options.
Tax-effective vehicle finance solutions including chattel mortgage, novated lease, and commercial hire purchase.
Get pre-approved car finance to negotiate like a cash buyer and drive away in your new vehicle sooner.
As a home owner, you have access to more competitive car financing options. Use your property equity to secure lower interest rates and flexible repayment terms for your next vehicle purchase.
Access rates as low as home loan rates by using your property as security, significantly lower than unsecured car loans.
Borrow larger amounts for luxury or premium vehicles by leveraging your home equity.
Choose loan terms up to 7 years with options for interest-only periods to reduce initial repayments.
If using the vehicle for business purposes, you may be eligible for tax deductions on interest payments.
Link an offset account to reduce interest charges and pay off your car loan faster.
Finance your vehicle purchase without depleting your cash reserves or emergency funds.
Note: When you use your home equity for car finance, your property acts as security for the loan. This allows lenders to offer more competitive rates, but it's important to ensure you can comfortably afford the repayments.
Refinance your home loan and access equity to purchase your vehicle outright. This gives you the lowest interest rates and full ownership from day one.
A car loan secured against your property for better rates than standard car loans, while keeping your home loan separate.
We compare car finance options from multiple lenders to find you the best rates and terms for your situation.
Access exclusive rates and deals from over 40 lenders that you won't find going direct.
Our specialists help you choose the right finance structure for your tax and cash flow needs.
Get pre-approved in as little as 24 hours, so you can negotiate confidently with dealers.
Our service is completely free - we're paid by the lender, so you get expert advice at no cost.
Choose from tax-effective vehicle finance options designed specifically for business owners. Whether you're buying a work vehicle, company car, or commercial fleet, we'll help you structure the finance to maximize tax benefits and preserve cash flow.
The most popular option for businesses. You own the vehicle from day one and claim GST credits and tax deductions on interest and depreciation.
Similar to chattel mortgage but you don't own the vehicle until the final payment. Good for businesses wanting to claim maximum deductions.
Perfect for employees wanting to salary package a vehicle. Your employer makes payments from pre-tax salary, reducing your taxable income.
The lender owns the vehicle while you use it. At the end, you can buy it, trade it, or return it. Great for businesses wanting off-balance-sheet financing.
The tax benefits of business vehicle finance depend on how you use the vehicle and your business structure. We recommend consulting with your accountant to determine the most tax-effective option for your situation. We work closely with accountants to ensure your car finance aligns with your overall tax strategy.
Smart financing helps you drive the car you want while maintaining financial flexibility
Keep your savings and emergency funds intact while spreading the cost of your vehicle over manageable monthly payments. This maintains your financial flexibility for other opportunities or unexpected expenses.
Successfully managing a car loan builds your credit profile and improves your credit score, making it easier to access finance for property and other major purchases in the future.
Business owners and self-employed individuals can access significant tax deductions on vehicle finance, including GST credits, interest deductions, and depreciation benefits that reduce the overall cost.
Get pre-approved car finance before you start shopping. This gives you the power to negotiate like a cash buyer, helps you set a realistic budget, and speeds up the purchase process when you find the perfect vehicle.
Submit a quick application with your income, expenses, and desired loan amount. We'll assess your borrowing capacity and find the best lender for your situation.
Receive confirmation of your approved loan amount and interest rate, typically within 24-48 hours. You'll know exactly how much you can spend.
Browse dealerships knowing you have finance ready to go. Negotiate better deals by demonstrating you're a serious buyer with approved funding.
Once you've chosen your vehicle, we'll finalize the paperwork with the lender and arrange for funds to be released directly to the dealer. You can drive away the same day.
Consider insurance, registration, fuel, and maintenance costs alongside your loan repayments.
New cars lose 15-20% of value in the first year. Consider if a nearly-new used car offers better value.
Shorter terms mean higher repayments but less total interest paid. Don't extend beyond the car's useful life.
A larger deposit (20%+) reduces your loan amount and interest charges, and may help you avoid LMI.
Get answers to common questions about car financing
At ALS Mortgage Solutions, we provide comprehensive car financing services that go beyond just finding you a loan
We can arrange professional vehicle inspections for used cars to ensure you're making a sound investment before committing to finance.
Access competitive comprehensive car insurance quotes through our partners to protect your investment and meet lender requirements.
Get help valuing your current vehicle and negotiating the best trade-in price to maximize your deposit for the new car.
Strategic advice on balloon payments to reduce monthly costs, with clear plans for refinancing or paying out the balloon when it's due.
With pre-approved finance, you have the power to negotiate better deals on the vehicle price and drive-away costs.
We regularly review your car loan to identify refinancing opportunities if better rates become available during your loan term.
Get in touch with our expert team today for a free consultation and personalized lending solution.
