Car Loans

Ready to step into that dream car? Get on the road sooner with a Car Loan

5.0

from 96 Reviews

Whether it's your first car or dream car, we've got you covered

At Aviser Finance, we understand that purchasing a vehicle is a significant decision, whether you are considering your first car, a family car, or indulging in a luxury car. Our aim is to streamline the process of applying for a car loan, ensuring you can access Car Loan options from banks and lenders across Australia with ease. Whether you are in Melbourne or another part of the country, our expertise is here to assist you in finding the right loan tailored to your needs, taking the hassle out of buying a car.

When considering a car loan, understanding the interest rate and loan amount is crucial. We provide guidance on these aspects to help you maximise your borrowing capacity. Our services cover everything from calculating car finance to understanding car finance rates. Whether you are interested in a used Car Loan or a new Car Loan, we offer solutions that cater to various needs. If your dream vehicle is an electric car or hybrid car, we can also discuss green Car Loan options that align with eco-friendly choices.

The Car Loan application process at Aviser Finance is designed to be straightforward, with minimal paperwork. We believe in a streamlined application process that allows you to focus on selecting your ideal vehicle, whether it is a sedan, SUV, ute, van, or even a convertible. By providing us with bank statements and other required documents, we handle the intricacies of the secured Car Loan application on your behalf. This leaves you free to explore options at the dealership without the stress of complex procedures.

Working with a car dealer can sometimes feel overwhelming, but our role is to make it simpler. We liaise with dealerships and financial institutions to ensure you receive competitive offers that suit your circumstances. Whether your priority is a people mover for your growing family or a super car for weekend adventures, our team is here to guide you through each step from application to approval. Our approach ensures you are informed and confident throughout the journey.

Car Loan repayments are another key consideration when planning your purchase. We help you understand what your repayments will look like over time, ensuring there are no surprises down the line. By offering insights into different repayment structures and terms, we empower you to make informed financial decisions that align with your lifestyle and budget.

In summary, Aviser Finance provides comprehensive support for those applying for a car loan across Australia. Our services are designed to be professional yet approachable, ensuring you feel reassured every step of the way. Whether you are exploring options for a first car or considering the benefits of a green Car Loan for an electric vehicle, our team is ready to assist. Contact us today to discuss how we can help you make your next vehicle purchase a smooth and successful experience.

Our Lending Process

1. Initial Consultation

Your journey begins with a free, no-obligation chat. We take time to understand your financial situation and the type of vehicle you want, whether that is a tradie ute, family 4WD, prestige car, or EV. This conversation helps us understand where you are now and what you need to get on the road.

2. Financial Assessment

We conduct a thorough review of your income, expenses, assets, and liabilities to understand your borrowing capacity. We also review your credit history and discuss anything that might affect your application. You will typically need your driver's licence, recent payslips or tax returns, bank statements, and proof of employment or ABN if self-employed.

3. Strategy Development

We create a tailored finance strategy based on your goals and the vehicle you are buying. For new and demo cars we typically secure competitive rates with longer terms, while used cars require lenders to assess the vehicle's age and kilometres. Tradie utes and 4WDs used for work may suit a chattel mortgage, and prestige or luxury vehicles may require a larger deposit with specialist lenders. Classic and vintage vehicles need agreed value policies, caravans and motorhomes suit recreational asset finance, and EVs or hybrids may attract green loan discounts and government incentives. Our team works across a panel of over 40 lenders to find solutions that truly fit your needs.

4. Loan Recommendations

We present clear, easy-to-understand loan options with a detailed comparison of interest rates, fees, loan terms, balloon payment options, and secured versus unsecured structures. Everything is explained in plain English with no pressure, just honest advice.

5. Application Preparation

Once you have chosen your preferred loan, we handle all the paperwork, guide you through the documentation required, and carefully prepare your application before submission to give you the best chance of approval.

6. Lender Negotiation

We submit your application and manage all lender communication on your behalf. Our established relationships with banks and financial institutions often help secure better rates and terms, and we keep you updated every step of the way.

7. Settlement Support

We coordinate with all parties to ensure settlement runs smoothly, reviewing your loan documents and explaining the final terms before you sign. Comprehensive insurance is typically required for the life of the loan, and business vehicle buyers should confirm the correct finance structure for tax purposes. We remain available after settlement for any future finance needs.

About Aviser Finance

Aviser Finance is a property finance brokerage based in Melbourne. We exist to help you turn your ambitions into reality. Whether you are buying your first home, growing your investment portfolio, refinancing to save money, or exploring construction and business finance, we evaluate your circumstances and recommend the best options available to you.

We do more than find the right loan. We advocate on your behalf, present your proposal to the most suitable lenders, and manage the entire process from start to finish. You receive a personalised finance plan, explained clearly in plain English, and you are kept informed every step of the way.

Even after your loan settles, we are here to answer your questions and help you make the most of your investment. We build life-long relationships with our clients, because your goals are at the centre of everything we do.

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Our Recent Reviews

My experience with Aviser was nothing but positive - I knew I was in safe and knowledgeable hands. Everything moved quickly and my loan was secured with minimal hassle. Thanks to the team for a seamless experience.

Rebecca Hyde

The team at Aviser were so helpful, they listened to our needs followed through. They were extremely organised and we really appreciated their attention to detail. Essentially, they looked after their end and left us to take care of ours. We would highly recommend them!

Liz Mascia

I can't recommend the team at Aviser highly enough. I appreciated Martin's in-depth knowledge, professionalism, and the time he took to answer questions (and I had many!) Information provided was always easy to understand and my options were made clear. In fact the whole experience from beginning to end ran smoothly and was stress free. I would use Aviser again in the future without hesitation.

Elle Watson

Without using an Aviser broker we feel we wouldn’t have secured a mortgage, as Avisor had the knowledge and expertise to negotiate in a way that we couldn’t. Thanks so much guys...will definitely use you again and recommend you to friends.

Rebecca Ackermann

Frequently Asked Questions

Can I refinance my existing home loan through Aviser Finance?

Yes, refinancing is one of the key services we provide at Aviser Finance. Whether you're looking for a lower rate, accessing equity for renovations or investment, consolidating debts or switching to a loan product with features that better suit you, we'll compare options across our lender panel. We'll also explain any costs involved, such as discharge fees from your current lender, so you can make an informed decision.

How long does the mortgage application process take?

Full approval, including property valuation, typically takes between two to four weeks on average. Timeframes vary by lender and how complex your situation is, and having your documents ready early helps keep things moving. If you're buying, getting your borrowing capacity confirmed first gives you a head start.

What does a mortgage broker do?

A mortgage broker acts as an intermediary between you and potential lenders. We assess your financial situation, understand your property goals and compare loans from our panel of lenders across Australia, including major banks, credit unions and specialist lenders. We then handle the research, paperwork and negotiations to get your loan approved.

What documents do I need to apply for a home loan?

Generally, you'll need proof of identity such as your driver's licence and Medicare card, recent payslips or tax returns, bank statements, and details of any existing debts and assets. Requirements vary by lender and loan type, and we'll give you a checklist tailored to your situation.

What areas does Aviser Finance service?

Aviser Finance proudly services clients throughout Melbourne, across Victoria, and Australia-wide. Whether you're in Sydney, Brisbane, Perth, Adelaide, or regional areas, we can help you with your finance needs. We meet local Melbourne and Victoria clients in person and work with interstate clients by phone and video, whether you're in metropolitan Melbourne or rural Queensland.

Locally, our Brighton team works with borrowers across the City of Kingston, including Aspendale, Bonbeach, Clarinda, Heatherton, Parkdale and nearby Bangholme; the City of Port Phillip, including Elwood, Ripponlea, Balaclava and Port Melbourne; and the City of Bayside, including Sandringham and surrounding suburbs.

What types of loans does Aviser Finance assist with?

We help with home loans for first home buyers, next home buyers and those upgrading. We arrange investment property loans for those building their property portfolio, as well as land purchases, construction loans and commercial property finance, SMSF loans for buying property through your super, and equipment finance for business owners. We also assist with refinancing existing loans, debt consolidation and accessing equity in your property. We work with borrowers who have less than perfect credit history, self-employed individuals, and temporary residents.

How much does it cost to use a mortgage broker?

For most clients, using a mortgage broker often doesn't cost them anything directly. Aviser Finance typically receives commission from the lender once your loan settles. For complex commercial lending or unique financial circumstances, a fee for service may apply, and we'll always explain this upfront before any work begins.

Why should I use a broker instead of going directly to my bank?

Your bank can only offer their own products. As a broker, we compare a much wider range of loan products from our panel of lenders to find a loan that suits your goals. We also save you time by managing the application process and following up with lenders on your behalf, while protecting your credit score from multiple enquiries.

Can Aviser Finance help me if I'm self-employed?

Absolutely. At Aviser Finance, we have extensive experience working with self-employed individuals. We understand that self-employed borrowers often face additional challenges when applying for a loan, and we work with business owners, contractors and freelancers to present their application in the strongest way. Depending on the lender, you may need tax returns, business financial statements and accountant letters, whether you're a sole trader, in a partnership, or run a company.

What is the difference between pre-approval and formal approval?

Pre-approval, sometimes called conditional approval, is an initial assessment by a lender of how much you may be able to borrow, subject to property valuation and final verification. Formal approval, also known as unconditional approval, is granted once the lender has assessed the property and confirmed all your details. We recommend getting pre-approval before you start seriously looking at properties in Melbourne or elsewhere in Victoria.