Vehicle Finance - Waters Edge Finance Solutions

Getting You Behind the Wheel

Waters Edge Finance Solutions can offer you a wide range of vehicle finance options from personal and alternative documentation loans, hire purchase and business leasing.

I research a range of different options for you to ensure that you receive a competitive rate, as well as terms and conditions that suit you, including repayment options and loan security.

Are you looking for loan pre-approval for your next motor vehicle? Allow Water’s Edge Finance Solutions to explore the appropriate options from a wide range of lenders for all kinds of vehicle finance including cars, motorcycles, and boats. If you have just started looking you probably already have a vehicle in mind, but why not take the guesswork out of financing with Waters Edge Finance Solutions.

I can also help you borrow money for a new or used vehicle straight away. We can discuss this further in a consultation appointment to find out what you need and when. I can explain your options, handle the paperwork, and do everything I can to make for a pleasant experience.
If you’re looking to trade in an upgrade or to secure a deal if it’s your first car, look no further than Waters Edge Finance Solutions. If you currently have an ABN, please consult with your Accountant for the financial structure for tax minimisation.

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Hire Purchase

A Hire Purchase is a widely used financial arrangement that can be used to pay for goods over a predetermined period of time, usually 1 to 5 years, rather than paying the full cost upfront. Ownership is retained by the lender until the hire purchase term is complete and the final repayment is made. At the end of the hire purchase term, the title of the goods automatically passes to you. Repayments on a hire purchase are often flexible and can be tailored to your individual needs.

Chattel Mortgage

A Chattel Mortgage is similar in scope to a Residential Mortgage, the main difference being that the finance provided is used to purchase vehicles or equipment rather than property. With this arrangement, complete ownership of the goods passes to you at purchase; however, the title to goods remains with our finance provider until the mortgage is fully repaid. There may also be additional tax benefits, including standard depreciation and cost of interest. A Chattel Mortgage is usually a fixed interest loan with a 1 to 5 year loan term and is almost certainly secured by the vehicle or equipment you are purchasing. Similar to a Hire Purchase agreement, you may choose to make a lump sum payment at the end of the loan term, reducing your ongoing repayment amount.

Leasing Finance

Under a Leasing Finance agreement, a leasing company takes full ownership of vehicles and equipment and then leases them to you for an agreed repayment amount and loan term, usually a 2 to 5 year period. Leasing Finance is most effective when you need vehicles or equipment that have longer than average working lifespans. As a Leasing Finance agreement is based on a fixed rate/fixed term contract, you have the added benefit of effectively planning your finances over the leasing period. In addition, lease payments are usually tax deductible and you should be able to claim the GST proportion of payments for tax purposes.

I Always Make Sure To Explore All The Options

This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

“Thank you Kerrie once again for your hard work in helping us refinance. This is the second time we have used your services and as expected, we are thrilled with the outcome. Your hard work, integrity and relatability are second to none, and we would not hesitate to use you again in the future, and will recommend you to our family and friends. It is so nice to be able to trust someone in your industry, and know that such a big life event is in safe hands. Thank you so much!”

Amy Louise

“Thank you Kerrie for making the process of refinancing and consolidating our loans so easy! You worked around our crazy 12 hour work days and were always a phone call away anytime of the day ready to answer all our questions!
Thank you again, we look forward to purchasing our next home in a few years and you will be of course the first person we contact!”

Hayley Gilbert

“I would highly recommend Kerrie if you are looking for finance. She was able to help us at short notice, and was so professional and knowledgeable. Not only did we get our finance, she also saved us money! Thanks Kerrie “

Deb McPhedran

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Home Loans

The fluctuations of the housing market do not always work in your favour. That’s why I am dedicated to researching the housing market and keeping up to date with all of the latest news and trends, so that I can provide you with the most suitable possible home loan options.

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