Car and Equipment Loans

Whether it's your first car, a dream vehicle, a caravan for your adventures, a boat to sail the open waters, a thrilling jet ski, or a motorbike to conquer the road, Total Loans Mortgage Brokers in Port Hedland has you covered. Our wide-ranging Car and Equipment loans are designed to turn your aspirations into reality.

Rated 5 from 19 Reviews

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Car and Equipment Loans Tailored to You

Our Car and Equipment loans come in two main forms:

Secured Loans: These often come with lower repayments as the loan is secured against the vehicle or asset you're purchasing.

Unsecured Loans: While they may have slightly higher interest rates, unsecured loans offer flexibility, allowing you to sell the asset at any time without necessarily paying off the loan.

Regardless of the loan type, a Car and Equipment Loan from Total Loans Mortgage Brokers in Port Hedland will put you in the driver's seat of your dream vehicle. We ensure complete transparency by helping you understand the full cost of the loan, including any associated fees and charges.

Flexible Financing for Your Vehicle Dreams

Our financing options cover various types of vehicles, whether you're buying from a dealership or a private seller. We offer comparisons of different loan schedules, including weekly, fortnightly, or monthly repayments, making it easier to manage your household budget.

As proud members of the Mortgage and Finance Association of Australia, our expertise in Car Loans extends across the country. Trust our experience and guidance to help you make the right choice when it comes to your car loan.

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Tips when applying for a Car, Caravan, Boat or any other toy

Check Your Credit Score: Before applying for a car loan, get a copy of your credit report and check your credit score. A higher credit score may help you secure better interest rates.

Improve Your Credit: If your credit score is less than stellar, work on improving it by paying bills on time, reducing outstanding debts, and resolving any errors on your credit report.

Determine Your Budget: Calculate how much you can comfortably afford to borrow and repay each month. Consider factors like your income, expenses, and other financial obligations. We can help you determine your budget.

Save for a Deposit: While some lenders offer no-deposit car loans, a down payment can reduce the loan amount and interest costs to you. Saving for a down payment is often a wise financial move.

Get Pre-Approved: Consider getting pre-approved for a car loan before you start shopping for a vehicle. Pre-approval can give you a clear budget and bargaining power.

Read the Fine Print: Carefully review the terms and conditions of the loan agreement, including any fees, penalties, and repayment terms. Ask questions if anything is unclear, we are here to answer all your questions.

Consider Additional Costs: Factor in the total cost of car ownership, including insurance, maintenance, and registration fees, when budgeting for your car loan.

Understand Early Repayment Options: Check whether the loan allows for early repayments without penalties. Being able to pay off the loan ahead of schedule can save you money.

Russell was amazing! He was able to take all the stress and worry away from the process of borrowing money. Communication skills are first rate and I will have no hesitation recommending Russell to others. First class experienced operator.

Greg O, Busselton

Broker Studio

Russell & Sharon are an excellent team to work with. Extremely responsive and with great attention to detail, they care for every outcome they are working towards. Highly recommend.

Tessa Briggs

We have used Total Loans for the last 3 houses we have purchased and we couldn’t be happier with the service they provided. Russell and Sharon went above and beyond for us, making every step of the loan process seamless. Their knowledge and expertise are outstanding. We couldn’t recommend them more!

Joshua Hunter

My partner and I were first home buyers completely new to the process and Russell helped us from start to finish. He presented a lot of good loan choices and answered all our questions without hassle along the way. We will definitely be recommending Total loans to family and friends in the future.

Frequently Asked Questions

Do you charge any fees, or are there any hidden costs?

Not at all. Our service is free and transparent, with no hidden charges. When you receive a loan from us, it is the same as if you went directly to the lender. The lender pays us a commission, but it does not impact your home loan in any way.

Can you help me if I have a poor credit file?

There are lenders who are willing to consider applicants with defaults or poor credit conduct. However, this greatly depends on the details listed on your credit file and the extent of your credit score. Before recommending a lender, it is advisable we check your credit report.

Why don't I just go directly to my bank?

Mortgage brokers are often able to offer better rates by negotiating with multiple lenders, while banks only present their own offers. We provide a detailed comparison report so that you can compare the features, rates and fees of the products of various lenders, without going to each bank directly, saving you time and money. We also have access to promotions through the broker network, such as discounted, application fees and interest rates.

How does Total Loans ensure a professional service?

As a Licensed Finance Brokerage, with our own Australian Credit License Number: 388425. We are required to always operate with a strict code of ethics and act with honesty and integrity, comply with all the laws and regulations relating to the Mortgage Industry and maintain confidentiality in all dealings. Total Loans has membership of several major industry and governing bodies to ensure that staff keep up to date with industry standards and changes. These include: Australian Finance Group, Australia's largest mortgage wholesaler (AFG)  Mortgage and Finance Association of Australia (MFAA)  Australian Financial Complaints Authority (AFCA)

How much can I borrow?

Your borrowing capacity can vary with each Lender. All lenders have their individual serviceability calculators to assess how much you can borrow with them. At Total Loans we have access to most lenders calculators and can provide you with information on how much you can borrow with each lender. Some of the factors that lenders consider when assessing how much you can borrow include length of employment, deposit, guarantors, suitable security, previous repayment history, current debts ie personal loans, credit card/store cards.

What does a Mortgage Broker Do?

A mortgage broker serves as a valuable intermediary between you, the borrower and the lenders. We have over 15 years in the finance industry and use our expertise and specialized software to secure competitive rates and facilitate a smooth mortgage settlement. At Total Loans, our mission is to safeguard your interests and expertly manage the entire mortgage process, so it is stress free and easy for you.

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Port Hedland, WA 6721

Rylee Nominees Pty Ltd ABN: 35 737 082 292. Rylee Nominees Pty Ltd Holds Australian Credit Licence 388425.

Disclaimer: 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. Names & Locations of users have been changed to protect their privacy and are illustrative only.