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.

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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.

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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


Graeme Thompson

We recently used Total Loans to assist us with re financing of our Home Loan and would use them again. I would Highly recommend them.


Hannah Eardley

Russell first helped us in 2016 to get our first mortgage. He has now just helped us refinance our home loans as well as helping us get a car loan. Russell has always gone above and beyond, giving us great advice, listening to our wants and concerns, happily answers ALL of our questions whilst securing us the best deal. We trust Russell’s knowledge and expertise and would most definitely recommend him to anyone needing his services! Thank you Russell, we really appreciate all your help!


Jamie Adair

Russell was a great help to us. He was accessible, organised and over the details.

Frequently Asked Questions

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.

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.

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.

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.

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.

Why do you need a Mortgage Broker to help you?

Did you know that over 70% of loans in Australia are submitted through a Mortgage Broker? Navigating the countless mortgage products on the market can be confusing and overwhelming. A Mortgage Broker plays a pivotal role in guiding borrowers through the maze of options, explaining product features, and aiding in selecting the ideal loan for you. Beyond purchase assistance, at Total Loans we provide ongoing support, ensuring you always have access to the best financing options available.

How long does it take to get finance approval?

All Lenders have different turnaround times. The Lender you choose will depend on your situation and the urgency of your loan requirements. We will determine the loan that is right for you during our strategy session.

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