It’s close to Christmas now and we’re all immersed in the season of parties, excess food and drink, and present buying. It all sounds jolly and festive – but for thousands of Australians every year, Christmas is a time of intense anxiety and worry.
The Pros and Cons of Refinancing a Car Loan
How does your car loan fare against other options on the market? If you think a better deal exists, it’s time to decide whether you should refinance your car loan. But first, consider these issues.
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Tom Caesar
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Positive Lending Solutions
https://www.positivelendingsolutions.com.au
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354
151
Edwardstown
SA
5039
962 South Road
1300 722 210
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https://www.positivelendingsolutions.com.au/resources/information-centre/pros-cons-refinancing-car-loan/
How does your car loan fare against other options on the market? If you think a better deal exists, it’s time to decide whether you should refinance your car loan. But first, consider these issues.
How Long Should My Car Loan Be?
Choosing the right loan term is a balance between getting the car you want and being realistic about your financial future. Use this guide to select the right car loan term to buy your next car.
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Tom Caesar
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Positive Lending Solutions
https://www.positivelendingsolutions.com.au
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354
151
Edwardstown
SA
5039
962 South Road
1300 722 210
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Choosing the right loan term is a balance between getting the car you want and being realistic about your financial future. Use this guide to select the right car loan term to buy your next car.
5 Signs Its Time to Buy a New Car
This 5 point checklist will help you to identify when a new car is a must. Get tips on upgrading your car and make a well-informed choice when you decide to retire your old car.
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Tom Caesar
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Positive Lending Solutions
https://www.positivelendingsolutions.com.au
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354
151
Edwardstown
SA
5039
962 South Road
1300 722 210
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This 5 point checklist will help you to identify when a new car is a must. Get tips on upgrading your car and make a well-informed choice when you decide to retire your old car.
How to Upgrade Your Car When You Still Have a Car Loan
Life changes fast .. sometimes faster than you can pay out your car loan. Here's what you'll need to do in order to upgrade your car when your current vehicle is still under finance.
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100
100
Tom Caesar
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Positive Lending Solutions
https://www.positivelendingsolutions.com.au
https://www.positivelendingsolutions.com.au/uploads/pages/1/logo-pls.png
354
151
Edwardstown
SA
5039
962 South Road
1300 722 210
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Life changes fast .. sometimes faster than you can pay out your car loan. Here's what you'll need to do in order to upgrade your car when your current vehicle is still under finance.
Advice on Getting Car Loans in Australia
With new loan products and lenders entering the loan market, it's more important than ever to get the right car loan advice when you select your next car loan. Here's some essential car loan advice:
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100
100
Tom Caesar
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Positive Lending Solutions
https://www.positivelendingsolutions.com.au
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354
151
Edwardstown
SA
5039
962 South Road
1300 722 210
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With new loan products and lenders entering the loan market, it's more important than ever to get the right car loan advice when you select your next car loan. Here's some essential car loan advice:
Here are the Best EOFY Car Deals for 2018
Waiting for the right time to purchase a new car? It's now! Secure a great deal in the EOFY car sales - here's what you need to know about negotiating at the dealership and getting the best finance.
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Tom Caesar
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Positive Lending Solutions
https://www.positivelendingsolutions.com.au
https://www.positivelendingsolutions.com.au/uploads/pages/1/logo-pls.png
354
151
Edwardstown
SA
5039
962 South Road
1300 722 210
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https://www.positivelendingsolutions.com.au/resources/information-centre/best-eofy-deals-for-2018/
Waiting for the right time to purchase a new car? It's now! Secure a great deal in the EOFY car sales - here's what you need to know about negotiating at the dealership and getting the best finance.
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2018 Australian Broking Award Finalist Announced
Positive Group is proud to be nominated for two awards, Asset Finance Broker of the Year and Innovator of the Year, in the 2018 Australian Broking Awards.
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Tom Caesar
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Positive Lending Solutions
https://www.positivelendingsolutions.com.au
https://www.positivelendingsolutions.com.au/uploads/pages/1/logo-pls.png
354
151
Edwardstown
SA
5039
962 South Road
1300 722 210
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https://www.positivelendingsolutions.com.au/resources/information-centre/finalist-2018-aba-award/
Positive Group is proud to be nominated for two awards, Asset Finance Broker of the Year and Innovator of the Year, in the 2018 Australian Broking Awards.
Positive Group Finalists - Young Finance Leaders Award 2018
Congratulations to Positive Group three Young Finance Leader 2018 finalists! Best of luck for the award announcements on 22nd June 2018.
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Tom Caesar
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Positive Lending Solutions
https://www.positivelendingsolutions.com.au
https://www.positivelendingsolutions.com.au/uploads/pages/1/logo-pls.png
354
151
Edwardstown
SA
5039
962 South Road
1300 722 210
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https://www.positivelendingsolutions.com.au/resources/information-centre/young-finance-leaders-award-finalists-2018/
Congratulations to Positive Group three Young Finance Leader 2018 finalists! Best of luck for the award announcements on 22nd June 2018.
How Much Should A Broker Fee Be?
A car loan broker charges for their service when your loan settles, with a fee included in the total amount financed on your loan. Here's a guide to comparing car loan broker fees.
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Tom Caesar
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Positive Lending Solutions
https://www.positivelendingsolutions.com.au
https://www.positivelendingsolutions.com.au/uploads/pages/1/logo-pls.png
354
151
Edwardstown
SA
5039
962 South Road
1300 722 210
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A car loan broker charges for their service when your loan settles, with a fee included in the total amount financed on your loan. Here's a guide to comparing car loan broker fees.
Should You Get An Interest Only Loan?
Find out here whether you should take out an interest-only or a principal and interest loan to meet your mortgage needs in a cost-effective, tax-effective structure that suits your saving style.
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Tom Caesar
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Positive Lending Solutions
https://www.positivelendingsolutions.com.au
https://www.positivelendingsolutions.com.au/uploads/pages/1/logo-pls.png
354
151
Edwardstown
SA
5039
962 South Road
1300 722 210
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https://www.positivelendingsolutions.com.au/resources/information-centre/should-i-go-interest-only/
Find out here whether you should take out an interest-only or a principal and interest loan to meet your mortgage needs in a cost-effective, tax-effective structure that suits your saving style.
Why are certain documents required for a car loan application?
Here's you guide to the full loan application requirements so that you can get a faster loan approval. Find out why each document is essential to your loan application assessment.
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Positive Lending Solutions
https://www.positivelendingsolutions.com.au
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354
151
Edwardstown
SA
5039
962 South Road
1300 722 210
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https://www.positivelendingsolutions.com.au/resources/information-centre/docs-for-my-car-loan-application/
Here's you guide to the full loan application requirements so that you can get a faster loan approval. Find out why each document is essential to your loan application assessment.
Advertised vs Comparison Rates
What is a comparison rate? Find out here how you can accurately compare your car loan options to get the best possible loan, using comparison rates, monthly payments, and important loan features.
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100
100
Tom Caesar
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Positive Lending Solutions
https://www.positivelendingsolutions.com.au
https://www.positivelendingsolutions.com.au/uploads/pages/1/logo-pls.png
354
151
Edwardstown
SA
5039
962 South Road
1300 722 210
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https://www.positivelendingsolutions.com.au/resources/information-centre/advertised-vs-comparison-rates/
What is a comparison rate? Find out here how you can accurately compare your car loan options to get the best possible loan, using comparison rates, monthly payments, and important loan features.
What Should I Ask My Car Loan Broker?
Find out what to ask to ensure that your car loan broker gives you the best loan possible. Here's what our broker Joe had to say.
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Joe Springall
Joe is an experienced lending manager at Positive Lending Solutions. He's committed to making sure his clients are given the best possible advice and careful to take the time to listen to exactly what the customer needs.
Positive Lending Solutions
https://www.positivelendingsolutions.com.au
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354
151
Edwardstown
SA
5039
962 South Road
1300 722 210
https://www.positivelendingsolutions.com.au/resources/information-centre/what-to-ask-my-car-loan-broker/
Find out what to ask to ensure that your car loan broker gives you the best loan possible. Here's what our broker Joe had to say.
What Questions Will My Car Loan Broker Ask Me?
Your loan broker will ask questions about your current situation so they can obtain the best possible deal for you. Here's what to expect, and what your broker shouldn't ask:
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Nathan Price
Nathan is an asset finance team leader here at Positive Lending Solutions. He's committed to providing a transparent, easy to access lending service, while providing the right advice to save his customers money on their finance.
Positive Lending Solutions
https://www.positivelendingsolutions.com.au
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354
151
Edwardstown
SA
5039
962 South Road
1300 722 210
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Your loan broker will ask questions about your current situation so they can obtain the best possible deal for you. Here's what to expect, and what your broker shouldn't ask:
$20,000 Instant Asset Write-off Extension Explained
The $20,000 asset write-off ends on 30 June 2019. Should you make a purchase to claim instant depreciation before the deadline, or buy later and claim as usual? Here's what you need to know to decide.
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Tom Caesar
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Positive Lending Solutions
https://www.positivelendingsolutions.com.au
https://www.positivelendingsolutions.com.au/uploads/pages/1/logo-pls.png
354
151
Edwardstown
SA
5039
962 South Road
1300 722 210
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https://www.positivelendingsolutions.com.au/resources/information-centre/$20k-tax-write-off-explained/
The $20,000 asset write-off ends on 30 June 2019. Should you make a purchase to claim instant depreciation before the deadline, or buy later and claim as usual? Here's what you need to know to decide.
Why are car loan interest rates so low in Australia?
There's rumours that the Australian RBA rate will rise soon. When is this likely to happen, and why would the Reserve Bank choose to increase rates when inflation remains low? Find out here.
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100
100
Tom Caesar
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Positive Lending Solutions
https://www.positivelendingsolutions.com.au
https://www.positivelendingsolutions.com.au/uploads/pages/1/logo-pls.png
354
151
Edwardstown
SA
5039
962 South Road
1300 722 210
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https://www.positivelendingsolutions.com.au/resources/information-centre/why-are-car-loan-rates-low-in-Australia/
There's rumours that the Australian RBA rate will rise soon. When is this likely to happen, and why would the Reserve Bank choose to increase rates when inflation remains low? Find out here.
Is Car Loan Interest Tax Deductible?
Here's a guide to claiming car loan interest, depreciation and running costs. Get the right car loan to make a big difference to your business bottom line.
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Positive Lending Solutions
https://www.positivelendingsolutions.com.au
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354
151
Edwardstown
SA
5039
962 South Road
1300 722 210
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Here's a guide to claiming car loan interest, depreciation and running costs. Get the right car loan to make a big difference to your business bottom line.
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ASIC Bans Flex Commissions for Car Finance Brokers
What does the ban on flex commissions mean for car finance users? Find out here what to expect leading up to November 2018 as car loans become fairer under a new set of regulations.
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100
100
Tom Caesar
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Positive Lending Solutions
https://www.positivelendingsolutions.com.au
https://www.positivelendingsolutions.com.au/uploads/pages/1/logo-pls.png
354
151
Edwardstown
SA
5039
962 South Road
1300 722 210
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https://www.positivelendingsolutions.com.au/resources/information-centre/asic-flex-commissions-car-loan-brokers/
What does the ban on flex commissions mean for car finance users? Find out here what to expect leading up to November 2018 as car loans become fairer under a new set of regulations.
Claiming Car Expenses As a Sole Trader
Claiming car expenses against your sole trader tax can be a complex process. Here's a guide to read before you purchase so you make the right decision about your next business vehicle loan.
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Positive Lending Solutions
https://www.positivelendingsolutions.com.au
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354
151
Edwardstown
SA
5039
962 South Road
1300 722 210
https://www.positivelendingsolutions.com.au/resources/information-centre/claiming-car-expense-as-sole-trader/
Claiming car expenses against your sole trader tax can be a complex process. Here's a guide to read before you purchase so you make the right decision about your next business vehicle loan.
What are the Risks of Buying a Car Privately?
Buying a car privately comes with risks, but it can also be a fantastic way to purchase a car that's still in great condition. Here's what you need to know to secure a good deal.
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Positive Lending Solutions
https://www.positivelendingsolutions.com.au
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354
151
Edwardstown
SA
5039
962 South Road
1300 722 210
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Buying a car privately comes with risks, but it can also be a fantastic way to purchase a car that's still in great condition. Here's what you need to know to secure a good deal.