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Simply Smarter Finance
Simply Smarter Finance

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When looking for a car that is capable of carting around the whole soccer team, too often there has to be a choice between having a high quality car and having a car that can fit everyone inside.

We've scoured the industry and found three market leading seven-seaters that allow you to bring the kids to school, and bring some sexy back too.
Meta Review: Battle of the SUVs
Meta Review: Battle of the SUVs
strattonfinance.com.au
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Under a Commercial Hire Purchase, your finance company buys a car or vehicle on your behalf, and then gives you use and possession of the car in return for regular lease payments.
Once the final payment has been made and any residual (balloon) value paid, the customer takes possession of the vehicle.
Thinking a hire purchase on a vehicle might be good for you? Use our online calculator to find out what your Hire Purchase repayments could be! http://bit.ly/HirePurchase
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You can potentially protect yourself thousands of dollars with GAP insurance. If your vehicle is stolen or written off, and your comprehensive motor vehicle insurance payout doesn't cover the outstanding balance of your car loan, your could be up for thousands of dollars to pay the shortfall. GAP insurance reduces, or potentially eliminates, your exposure to this shortfall, and provides added protection for your credit rating.
Want to know more? Our fast online insurance enquiry form will put you in contact with one of our insurance specialists.http://bit.ly/GAPinsurance 
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A Finance Lease is a commercial car finance product under which the financier purchases a vehicle on the customer's behalf, and then leases it back to them for a specified period of time.
Our simple online Car Finance Enquiry Form will put you in contact with one of our finance consultants, who can help you make a smarter choice for your vehicle finance. http://bit.ly/carfinancelease 
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Aussies bought 90,705 new passenger cars, SUVs and commercial vehicles in August 2015. That's 2.9 per cent more than in August last year! Small SUVs have continued their rise in popularity, with August seeing SUV sales grow over 50 per cent in August.
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An Effective Interest Rate attempts to reflect the true cost of a loan, including all the fees and charges associated with the loan.
When we refer to an effective interest rate in any example loan scenarios, we calculate it using the same formula used for a Comparison Rate, but include any extra fees applicable in the example we're using.
An effective interest rate is different to a comparison rate in that comparison rates don't include fees that are vary depending on your specific loan scenario.
Let us compare 30+ finance options (including all the different interest rates) across 15 lenders for you, to find the smarter finance option for your situation. http://bit.ly/annualpercent
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A depreciating asset is one that has a limited effective life and can be reasonably expected to decline in value over the time it is used. 
We use this term mostly in reference to vehicles, but it can also apply to items like computers, electric tools and furniture, as well as others.
The maximum asset value that is allowed by the Australian Tax Office when depreciating a motor vehicle, for the 2015-2016 financial year, stands at $57,466.00.
Our finance consultants can help you understand how a depreciation limit affects your vehicle purchase. We also offer competitive options on vehicle finance. Try our online quote: https://www.strattonfinance.com.au/car-finance/online-quote.aspx
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A Chattel Mortgage is a commercial car finance product under which the customer takes ownership of a vehicle at the time of the purchase, and the finance company takes out the mortgage of the vehicle as security.
The customer takes ownership of the vehicle at the time of purchase, but the finance company also takes out a "mortgage" over the vehicle by way of an ASIC-registered Fixed and Floating Charge to provide security for the loan.
Once the term of the loan is completed and any residual (balloon) value is paid, the finance company removes the Charge, giving the customer clear title to the car. Alternatively, the customer can "trade in" the vehicle or re-finance the residual value.
Thinking about a chattel mortgage for your business vehicle? Our online form will give you the info you need: https://www.strattonfinance.com.au/car-finance/online-quote.aspx
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A Balloon Payment is a lump sum that is owed at the end of a loan's term. This is can either be expressed as a dollar value or a percentage of the amount borrowed.
For example: A new car buyer borrows $40,000 over 5 years and elects to have a $10,000 (25%) Residual Value/Balloon Payment on their loan. Their monthly repayments will be lower than if they had no Residual Value/Balloon Payment, however they will still owe the financier $10,000 at the end of the 5 year loan.
For help choosing the right Residual Value/Balloon Payment for you in the current market, and taking into account your future vehicle needs, try our online quote: http://bit.ly/fastonlinequote
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