Car Finance2021-08-20T05:51:24+10:00


Best options for your vehicle finance

Our experienced team can save you time and hassle with car finance. We have a network of lenders and can present you with the best options available to assist with your preference. Depending on your situation and requirements, vehicle finance is available as a loan, lease or hire purchase arrangement.

Car Loan

This type of standard loan allows you to borrow up to 100% of a vehicle cost with fixed repayments over terms of up to 7 years. Usually the only security required for the loan is the vehicle being purchased. This means you don’t require any additional cash for the purchase if your loan application is approved.

Vehicle Lease

With this approach, the company providing the lease owns the vehicle during the agreement period. When the lease ends, you will be given the opportunity to purchase the vehicle at a reduced rate (based on the agreed usage in the lease). You may also choose to terminate the lease at the end or start a new lease for an upgraded model. Many companies and self-employed people prefer leasing for tax advantages.

Hire Purchase

With hire purchase your payments are structured so that at the end of the agreement you own the vehicle. During the hire purchase agreement, the finance company owns the vehicle. This can be a suitable option for anyone needing expensive vehicles or machinery for their business.

Get moving now – speak with the Simplify Finance team today.

Why choose a broker for
vehicle finance?

Time and convenience  |  Independence and choice  |  Service and advice


Let’s get your finances in order!

To provide you with a guide to how much you may be able to borrow, try our ‘borrowing power’ calculator. This considers your estimated income and expenses to determine an indicative maximum loan amount, to help you with your property search.

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Why choose Simplify Finance?


Looking for an answer?

How much can I borrow? How much will be my repayments?2021-08-15T22:59:45+10:00

Don’t worry, we will do the numbers for you. All those questions can be answered by simply clicking on our calculator section at the top of this page.

What is a mortgage broker?2021-08-15T23:00:38+10:00

We are the liaison between the customer (you) and the banks. We understand that you are busy and buying a home can be complicated so we take the time to understand your situation, negotiate the loan on your behalf, do all the legwork on researching hundreds of options available, and then guide you through the application and settlement process.

How do mortgage brokers get paid?2021-08-15T23:01:24+10:00

Rest assured, there is no cost to you. We do all the research, find a solution to your financial needs and once your loan settles, we receive a payment direct from the lender whom you obtained finance from much the same way a bank would’ve paid a branch staff member to help you. We believe in full transparency and will disclose our commission in the credit proposal at the application stage.

Why should I use a mortgage broker if I can go straight to the bank?2021-08-15T23:03:30+10:00

A common misconception is that you can get a better deal by going directly to your bank. Do you think your bank will tell you if there is a better deal with another lender? We have over 30 lenders in our panel and we get them to compete for your business so you can be confident we are going to find the best solution to your needs at no cost to you.

What happens after my loan settles?2021-08-15T23:04:16+10:00

We understand that your life will change along the way so our relationship does not end once you have settled your loan. We want to be your go-to person for all your future financial needs and can review your current situation on an annual basis to ensure you still have the best loan for your needs.

How long does it take to get a home loan approved?2021-08-15T23:05:37+10:00

The process will vary depending on your situation or the lender we choose. We always allow 1-5 business days but if you are in a hurry to get approved because you are going to an auction or simply found a property you love please let us know so we can prioritise your application.

How does applying for a loan work?2021-08-15T23:06:05+10:00

You can start by completing our online assessment or calling us. We will then collate all your information and do the research to find a solution tailored to your needs. Once we know which lender you would like to proceed with, we will lodge the application and guide you every step-of-the-way until settlement.

How do you research the best loan for me?2021-08-15T23:06:43+10:00

We are independent of the banks so you can rest assured that we’ll find you the best deal out there. We will take into consideration rate, product, flexibility and future plans to ensure we find a solution that is tailored to your unique financial circumstance.

How can you find us?2021-08-15T23:07:37+10:00

We are based in Sydney NSW so if you are in Sydney we can come and meet you at home or work. If you are outside Sydney we can still help help online or over the phone.

Can you help me find a property?2021-08-15T23:08:24+10:00

Our services are primarily to assist you with the right loan structure and to find the best option that suit your needs when buying your property, however, we can also put you in touch with buyers agents or real estate agents that can support you in finding your next investment property or your dream home.

Why is Simplify Finance different?2021-08-18T23:28:12+10:00

Our selling proposition is to always be a “face to face” broker business where we meet our clients in person every step of the way (Application to Loan Settlement). Simplify Finance has a combined 15 years of industry expertise and we pride ourselves in being a customer’s first point of contact for all their banking needs while offering a “Relationship Manager” type style of service to focus on after-settlement service. Where we have found customer service lacking in so many business’, our goal is to show you how important you are to us every step of the way.