Vehicle and Asset Finance in Newcastle
Whether you need a new car, work vehicle, or business equipment, David from Rebus Finance compares finance options from multiple lenders to get you a competitive deal without the dealership pressure.
Smarter Vehicle and Asset Finance in Newcastle
When it comes to buying a car, ute, truck, or piece of business equipment, most people either pay cash or take whatever finance the dealer offers on the spot. Both approaches can mean you miss out on a better deal. Dealer finance is convenient, but it is often not the most competitive option, dealers earn commissions on the finance they sell, which can translate to higher rates for you. David from Rebus Finance takes a different approach, comparing vehicle and asset finance products from across his lender panel to find you a genuinely competitive deal with terms that suit your situation, whether you are buying for personal use or for your business.
There are several types of vehicle and asset finance, and the right one for you depends on whether the purchase is personal or business-related, and on your tax situation. A standard car loan (consumer loan) is the most straightforward option for personal buyers, you borrow a set amount, make fixed repayments, and own the vehicle outright once the loan is paid off. For business owners and ABN holders, a chattel mortgage is often the preferred choice as it allows you to claim GST credits on the purchase and deduct interest and depreciation as business expenses. Novated leasing is another option worth considering if you are an employee looking to salary-sacrifice a vehicle, potentially saving on both GST and income tax. David explains the pros and cons of each option in plain language so you can choose the one that provides the best financial outcome.
Beyond cars, David also arranges finance for a wide range of business assets, from machinery and equipment to trailers, boats, caravans, and motorbikes. Whether you are purchasing brand-new or used, David finds lenders who specialise in the type of asset you are acquiring and negotiates competitive rates on your behalf. He handles the entire process from application through to settlement, so you can focus on enjoying your new vehicle or putting your new equipment to work. Serving clients across Newcastle, the Hunter Valley, Lake Macquarie, and Port Stephens, David makes vehicle and asset finance simple, transparent, and stress-free.
Key Benefits
Better Than Dealer Finance
David compares vehicle finance from multiple lenders, often securing rates well below what the dealership offers, saving you potentially thousands over the loan term.
Pre-Approved Finance
Get pre-approved before you visit the dealership so you can negotiate on price as a cash buyer, giving you stronger bargaining power.
Business Tax Benefits
For business owners, David structures your vehicle or equipment finance to maximise tax deductions through chattel mortgages and other business lending products.
Novated Leasing
If you are an employee, novated leasing can provide significant tax savings by salary-sacrificing your car payments, running costs, and even fuel.
New and Used Vehicles
Whether you are buying brand-new or a quality used vehicle, David has lender options for both, with competitive rates that reflect the asset’s value.
Equipment and Asset Finance
Beyond vehicles, David arranges finance for business equipment, machinery, trailers, boats, caravans, and other assets from specialist asset finance lenders.
How It Works
Tell David What You Need
Let David know what vehicle or asset you are looking to purchase, whether it is for personal or business use, and your ideal budget and repayment timeframe.
Compare Finance Options
David compares car loans, chattel mortgages, novated leases, and other options from multiple lenders to find the product with the best rate and terms for your situation.
Get Pre-Approved
Secure your finance pre-approval so you can shop with confidence and negotiate the purchase price from a position of strength, just like a cash buyer.
Settlement
Once you have found your vehicle or asset, David finalises the finance and arranges settlement directly with the seller or dealer, quick, easy, and hassle-free.
Frequently Asked Questions
David can arrange finance for virtually any type of vehicle, new and used cars, utes, vans, trucks, motorbikes, caravans, campervans, boats, and jet skis. For business borrowers, he also arranges finance for trailers, earthmoving equipment, forklifts, and other specialist machinery. The key factor is the age and condition of the asset, as most lenders have limits on how old a vehicle or piece of equipment can be at the end of the loan term (typically no more than 12-15 years old).
A chattel mortgage is a popular finance option for business owners and ABN holders. The lender provides the funds to purchase the vehicle or asset, and you take immediate ownership while the lender holds a mortgage over it as security. Because you own the asset from day one, you can claim the GST on the purchase price as an input tax credit (if registered for GST), and you can claim the interest payments and depreciation as tax deductions. At the end of the loan term, the mortgage is discharged and you own the asset free and clear.
Novated leasing can be an excellent option if you are a full-time or permanent part-time employee and your employer offers salary packaging. Under a novated lease, your car payments and running costs (fuel, insurance, registration, servicing) are deducted from your pre-tax salary, which reduces your taxable income. You may also save on GST. However, it is not the best option for everyone, if you are self-employed, a sole trader, or a casual employee, other finance options may be more suitable. David can run the numbers and compare a novated lease against a standard car loan to show you which option delivers the best outcome.
Absolutely. Many lenders offer competitive rates for used vehicles, though rates may be slightly higher than for new cars and there are typically age limits on the vehicle. Most lenders will finance used vehicles up to around 10-12 years old at the start of the loan, with a maximum age of around 15 years at the end of the loan term. David has access to lenders who specialise in used vehicle finance and can find you a competitive deal regardless of whether you are buying from a dealer or a private seller.
Many vehicle finance products do not require a deposit at all, you can borrow 100% of the purchase price in many cases. However, putting down a deposit (even a small one) can help you secure a better interest rate and reduce your monthly repayments. For used vehicles or higher-risk borrowers, a deposit may be required. David can advise on whether a deposit would benefit your application and help you structure the finance to suit your budget.