Plain-English Australian finance articles across personal loans, car finance, business finance, ATO debt, commercial property, construction and development finance, and novated leasing. Start with your situation, then understand lender fit, structure, cost and the next step.
Practical answers to real borrower, business-owner, investor and developer questions, with clear lender-assessment logic, useful tools and relevant next steps.
Not receiving PAYG payslips does not automatically prevent personal-use car finance. The key is whether sustainable income can be verified another way. Depending on the lender and …
Private-sale car finance can be available, but the lender generally needs to verify the seller, ownership, vehicle identity, value and any existing finance before paying out. Expec…
Past credit events can affect approval and pricing, but they are only part of a lender assessment. Current income, commitments, recent conduct, the vehicle and the circumstances be…
A soft check may be used to review credit information without recording the same type of lender application enquiry, while a formal lender application can involve a hard credit enq…
Some lenders consider temporary work-visa holders for car finance, but the conditions can be narrow. Visa type and remaining term, stable employment, a genuine deposit or stronger …
An initial broker assessment is not the same as lender pre-approval or final approval. Checking likely lender fit first can help you understand a sensible budget before making form…
Older vehicles may be financeable, but lender age limits vary and can depend on the vehicle age at the end of the loan term. Value, condition, seller type and security requirements…
Eligible electric cars can receive an FBT exemption under current Australian rules, materially changing the salary-packaging result. The exemption does not change the mathematical …
You cannot reliably derive a novated lease interest rate from total repayments divided by principal and years. A lease with a residual needs a discounted-cash-flow calculation usin…
BYO novated lease finance may be possible where the employer and salary packaging administrator accept separately arranged vehicle finance. Availability depends on their rules, doc…
Practical finance guides, calculators and lender insights from GPS Finance Group for Australian borrowers and businesses.