YOUR NEXT MOVE.
FINANCE THAT FITS.

Moving to Australia, changing cities or downsizing? Get car, personal and home finance options that fit your circumstances.

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No obligation. No credit check at this stage.

Add timing or visa details (optional)

New arrivals · Temporary visa holders · Homeowners · Downsizers

Funding options across established and specialist lenders
40+ lendersconnected through GPS Finance
Your move. Your money. Your choice.

GET ESTABLISHED.
KEEP CASH IN HAND.

A car for your first week. A home closer to family. The right place to retire. Your finance should help you get there.

  • Options for temporary visa holders, permanent residents and citizens
  • Compare cash needed now, repayments and total borrowing cost
  • Support from first enquiry through to settlement
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Start with your situation

Choose your next move

I'm moving to AustraliaGet a car and get established without using all my savings. ↗I'm moving within AustraliaMake the new job, home and settlement dates work together. ↗I'm downsizing or retiringSecure my next place while my money is still in this one. ↗
Support for your situation

THE RIGHT OPTIONS.
FOR WHERE YOU ARE NOW.

01

New to Australia?

Your current visa, job and available cash form the starting point. We assess a range of temporary and permanent visa situations.

02

Just changed jobs?

We look at the whole employment story, including your contract, start date and continuity of work.

03

Between two homes?

Compare the funding gap and the debt left after sale, including the cost if settlement takes longer.

04

Retired or downsizing?

Your property, income, cash and next-home arrangements help determine which route is worth exploring.

See my finance options →
01 / Moving to Australia

LAND. GET MOBILE.
MAKE YOURSELF AT HOME.

You may have a job waiting and savings set aside. The question is how to get established without spending them all at once.

Your first car

A car soon after arrival

Start with your current position. Temporary visa holders can have finance options across a range of subclasses. The available term, employment evidence, deposit and vehicle still need to fit the lender.

What we work through

Your visa and expiry → your job and income → car budget and deposit → suitable finance options.

Buying privately, at a dealer or considering salary packaging? Compare the same car budget, upfront contribution, fees and any final payment.

Get my car finance options →First, work out the cash I need ↓
Getting established

Keep a cash reserve

Separate the purchase from the cash reserve. Add up the car, move and essential household purchases. Then decide what savings need to stay available for rent and everyday life.

A clearer decision

Essential costs − cash you choose to use − employer support = the funding gap to assess.

Personal-loan options depend on your circumstances and current visa, not just the reason you're borrowing. A car purchase may have a different funding route from household expenses.

Get my personal finance options →Build my arrival budget ↓

Planning a home purchase as well

Plan the car and mortgage together. Car repayments affect the home-loan assessment. Start with your residency, income, deposit and purchase timeframe before committing to either.

Get my home finance options →
Your first car in Australia

KNOW YOUR OPTIONS.
THEN CHOOSE YOUR CAR.

You need transport for work, school runs and everyday life. Start with what you can comfortably repay and the savings you want to keep available.

01

Your visa today

Share your current subclass and expiry date, including any pending visa application. We check the available lender options against your circumstances before you commit to a car.

02

Your monthly budget

A shorter repayment term means paying the same amount back sooner. Compare the car price, deposit and repayments together, leaving room for insurance, registration and everyday costs.

03

Your savings buffer

A deposit reduces the amount borrowed but uses cash you may need for rent and getting established. Use the arrival planner to decide how much to keep before choosing a deposit.

04

Your next step

You can enquire while still choosing a car. Tell us your arrival date, job start date and budget so we can explain what information is needed and when to proceed.

Have these details handy

Current visa grant and expiry, passport or ID, employment contract and available income evidence, car budget and planned deposit. Tell us if you only hold an overseas licence or have not received your first Australian payslip; we will confirm the relevant lender's requirements.

What happens after you enquire: we review your situation, confirm any missing information and explain the finance options and next steps. Sending the enquiry form does not run a credit check.

Get my car finance options →
02 / Moving within Australia

NEW CITY.
ONE LESS THING TO JUGGLE.

New job, new home

Buying while changing employers

A new role, probation or a move to remote work changes the evidence a lender needs. Plan the assessment around your employment contract and purchase timeline.

Get the order clear

Employment evidence → borrowing assessment → purchase plan → settlement.

Get my home loan options →
Two properties, different dates

Moving before your current home sells

Compare buying first, selling first and changing settlement dates. Bridging finance needs a clear view of the property, equity, sale plan and debt left afterwards.

Compare the whole move

Peak borrowing + interest and fees − net sale proceeds = estimated debt after sale.

Get my bridging options →Test the settlement gap ↓

Need transport or extra cash as part of the move?

We can assess car and personal finance alongside the wider plan, so the repayments and timing work together.

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03 / Downsizing and retirement living

YOUR NEXT CHAPTER.
ON YOUR TIMELINE.

Buy first, sell afterwards

Buying before selling in retirement

The question is what funds the purchase and what repays it. Start with the current home, mortgage, accessible cash, retirement income and the expected sale proceeds.

Two different outcomes

No debt after sale, or a remaining mortgage? Each needs its own assessment. Test both the sale price and a longer selling period.

Get my downsizing finance options →
Retirement village or lifestyle move

The entry payment is due before our house settles.

Work backwards from the amount and payment date. Your existing home, available cash and the village's ownership or occupancy arrangement determine the possible funding route.

Keep the numbers separate

Entry payment and move costs → funding period → loan repayment → cash left for the next stage.

Get my retirement-move options →

Compare ways to use existing equity

Compare a refinance, a short-term bridge or an equity-release structure against the amount, period and repayment plan. Include interest and fees, not just the headline rate.

Explore my equity options →
Try your numbers before enquiring

WHAT DOES YOUR MOVE
NEED TO FUND?

Set the cash you want to keep. See the gap between your planned purchases and the money you choose to use. No contact details needed.

Your funding gap

Adjust the example figures and select “Show my funding gap”.

Budget arithmetic only. It does not assess borrowing capacity, visa eligibility, approval or a quoted rate. Reduce or remove any costs you do not need to borrow for.

See what happens if the sale takes longer

BUY FIRST.
KNOW THE FUNDING GAP.

Estimate peak debt and cash or debt left after sale. Compare a three-month sale with a six-month sale using your own assumptions.

Your buy-before-sell comparison

Enter your assumptions to compare the funding position after three and six months.

Illustrative planning model, not a lending assessment. Peak debt assumes the existing mortgage is refinanced into the bridge. Interest uses simple interest on the full peak debt, with no repayments, for 3 or 6 months; actual staged drawdowns, compounding, fees and loan structure may differ. The entered rate is an assumption, not an offer. Purchase costs are entered by you, not a calculated stamp-duty figure.

Asked by real people

REAL QUESTIONS.
WORKABLE NEXT STEPS.

Short excerpts from the original posts, with the source beside each one. The answers below explain how to work through the decision for your own circumstances.

Arriving in Australia
“So what's the situation about getting a car loan as a new arrival?”

Brizzie · British Expats · 27 April 2012

The poster had a job starting on arrival and wanted to preserve relocation savings.

Start here: decide the cash reserve you want to keep, then assess the car budget, deposit and repayments against your current visa and employment evidence.

Work out my arrival funding gap →
Temporary residency / PR pending
“Do you give loan to non-PR residents?”

Shayan · Finlease public Q&A on ProductReview

A university employee on a temporary graduate visa asked about a $20,000 car loan while expecting PR in about six months.

Start here: assess the visa you hold today, the expiry date and when you need the car. Compare a workable current option with the cost of waiting.

Get options for my current visa →
New employer / home purchase
“Should I raise the job change with our broker?”

AusProperty borrower · 15 October 2025

The buyer had pre-approval, was about to make an offer and had just accepted a new full-time job.

Start here: explain the change before relying on the earlier assessment. The new contract, start date and first payslip can affect the lender's next steps and your purchase timing.

Get options around my job change →
Retired / buy before selling
“so will anyone actually lend us money as a bridging loan?”

RogTheBear · PropertyChat · 7 December 2025

The retired couple had substantial assets but wanted to avoid withdrawing money from super to buy first.

Start here: compare peak debt, sale proceeds and funding costs. Separate a temporary bridge that clears on sale from a loan with debt remaining afterwards.

Compare three and six months →
Downsizing / timing the sale
“Is it best to sell quickly so we know what we have to work with or get a bridging loan to see us through the hump?”

AusFinance downsizer · 17 April 2025

The household wanted to downsize after losing one income made the existing mortgage difficult to maintain.

Start here: compare selling first with buying first using a realistic sale price and a longer selling period. Include interest, fees, temporary accommodation and the cash left after the move.

Test the sale timing and end debt →

These are individual borrower questions, not evidence of current lender policy. Historical approval outcomes and rates are not used as promises.

Three simple steps

GET OPTIONS.
GET FUNDED. GET MOVING.

STEP 1

Tell us where you are now

Your move, the amount and the question you need answered. Start with a short enquiry.

STEP 2

Compare your options

Understand the potential lender fit, documents, repayments and total cost before applying.

STEP 3

Put the plan into action

Once approved and accepted, we coordinate the finance through settlement.

Get my options →
Experience on your side

WE KNOW HOW LENDERS THINK.
AND HOW TO GET DEALS DONE.

GPS Finance Group brings over 20 years of banking and finance experience, led by a Fellow Chartered Accountant and former Credit Manager with delegated lending authority. We assess the whole situation and help structure the application around it.

See my finance options →
Before you make your move

YOUR QUESTIONS ANSWERED.

Visas and residency

We assess a range of temporary and permanent visa situations. Share your current subclass, expiry, work and income details so we can check the relevant lender options. Citizenship or permanent residency is not the only starting point for a finance enquiry.

Enquiring before arrival or the first payslip

Yes. We can identify what evidence you need and when an application may be possible. Approval and settlement depend on the lender's requirements, your current visa, employment evidence and other circumstances.

Buying a vehicle privately

Tell us the vehicle, price and seller type. Private-sale finance needs the vehicle and settlement process to fit the lender as well as your own application.

Choosing a finance product

Select “Not sure yet” in the quote form. We start with your circumstances, cash needs and timing, then compare the suitable finance routes.

Retirement-village entry costs

We can assess the funding gap using the entry payment, due date, existing home and the proposed ownership or occupancy arrangement. Village entry, ongoing and exit costs need to come from the actual contract.

Enquiries and credit checks

This enquiry is not a lender application or credit check. We explain the next steps before progressing to an application.

YOUR NEXT MOVE.
LET'S GET IT FUNDED.

Car, personal and home finance. Options built around you.

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