Rated 5 from 69 Reviews
TAP Mortgage Solutions is committed to supporting businesses in Queensland, Victoria, and throughout Australia with tailored financing solutions. Asset finance is a crucial aspect of business growth, whether you're buying new equipment or upgrading existing assets. Our expertise in this field ensures that you can access Asset Finance options from banks and lenders across Australia, helping you secure the best interest rate and loan amount for your specific needs.
Asset finance offers a flexible way to support your business goals. Whether you require office equipment, work vehicles, or specialised machinery like trucks, trailers, excavators, tractors, graders, cranes, or dozers, we provide commercial equipment finance tailored to your requirements. Our streamlined application process makes it easier for businesses to apply for Asset Finance, ensuring that you can focus on your operations without unnecessary delays.
One of the primary benefits of asset finance is the range of loan options available. Businesses can choose between different finance options such as a chattel mortgage or Hire Purchase. A chattel mortgage allows you to own the asset from the start, with the asset serving as collateral for the loan. This option is ideal if you prefer fixed monthly repayments and wish to manage cashflow more predictably. On the other hand, Hire Purchase lets you use the asset while making payments over the life of the lease, with ownership transferring to you once all payments are complete.
Asset finance is not limited to office or factory machinery; it also encompasses vehicles essential for business operations. Whether you need a new vehicle for your sales team or specialised machinery for construction projects, TAP Mortgage Solutions can help. Our understanding of the market enables us to offer competitive interest rates, ensuring that you have access to finance options that align with your business needs.
Managing cashflow is crucial for any business, and asset finance provides a way to acquire necessary equipment without depleting your resources. By spreading the cost over time with fixed monthly repayments, businesses can efficiently allocate funds to other areas of growth and development. This financial strategy ensures that companies remain agile and responsive in a competitive marketplace.
At TAP Mortgage Solutions, we understand that every business is unique. Our personalised approach means we will work closely with you to assess your specific requirements and provide loan options that meet your objectives. Whether you're expanding your fleet of work vehicles or investing in new factory machinery, our team is here to guide you through the process.
In summary, TAP Mortgage Solutions offers a comprehensive suite of asset finance services designed to meet the diverse needs of businesses across Queensland, Victoria, and Australia. We provide access to a wide range of Asset Finance options from banks and lenders across Australia, ensuring competitive interest rates and loan amounts tailored to your business needs. Whether it’s acquiring new equipment or managing cashflow through fixed monthly repayments, our streamlined application process ensures you can secure the necessary funds efficiently. Contact us today to learn more about how we can support your business growth with our specialised asset finance solutions.
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samuel jackson
Troy and cass are the a team! Had 3 loans with them so far all advice and approval goes easy as can't thank them enough. Cheers
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Whit Hanby
As a first home buyer, Troy was fantastic at navigating the process of buying my first home, from an initial chat about what might be achievable for me, through to loan approval. He clearly explained the process and requirements, took care of the mortgage application and offered guidance for the things I had to decide and organise myself. I'd definitely usw him again and recommend him to others. Thanks Troy!
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Nigel Philp
Troy and Cas were amazing to work with. Communication and support was top notch for the entire two year process for my off the plan house and land purchase. I highly recommend TAP mortgage solutions and will be using them again for my next purchase.
A mortgage broker will recommend a product based on what you say is most important to you – for example, “pay my loan off quickly” or “guaranteed repayments” or “low cost”. We do however, live by the following; “if you want flexibility take a variable rate loan, if you want budget certainty, take a fixed rate loan, if you want both, then do a split loan.”
Lenders will only sell you their own products. Each bank (or lender) has a variety of loan products on offer – low doc, package loans, loans with re-draw facilities, plant and equipment loans, fixed rate loans, interest only, interested in advance, variable, introductory variable… and so on. The issue you face as a consumer is ‘which loan is right for me?’ And that is where your mortgage broker becomes an invaluable resource!
If you go direct to the bank, you will only be offered the loan options available through that one lender. As your mortgage broker, we do all the leg work to find the right loan for your needs. We are across many lenders and all of their loan products, and our sole purpose is to find a suitable loan to match your personal financial circumstances and goals.
We are Connective Brokers and we have access to many lenders. This means we can source you a loan from different lenders to provide you with a variety of options that are suitable for you and your situation.
There are specific factors that need to be considered when determining how much a customer can borrow, such as income, employment position, the deposit saved, current living expenses and any liabilities. Our borrowing calculator can give you a rough idea of how much you may be able to borrow. For a more accurate assessment, please give us a call and we can go into your options and discuss your circumstances in more detail.
Mortgage brokers do not set rates. The Reserve Bank of Australia meet on the first Tuesday of every month to determine the official cash rate for the country. The lenders then use this information to set their own rates. Lenders also adjust their rates according to their costs and other economic considerations.
Some brokers charge a fee for their service which they must disclose to you up-front before you engage their services. However, the costs of the loan are the same. These costs depend on the loan and lender you choose. If you want to save on loan costs, just tell us. We can locate loan products from the lenders with the lowest fees and charges.
Mortgage brokers are qualified finance industry professionals. They work with you to determine your borrowing needs and objectives, and to help you determine how much you can borrow. Brokers help to ensure that you don’t take out a loan that is not right for you. Like your solicitor, accountant or financial planner, we are specialists in what we do and will provide you with a suitable finance solution to help you achieve your goals. With a mortgage broker, you can expect a more personalised level of service than you would usually receive directly from a lender.
Additionally, our brokers have access to finance products from a wide variety of lenders. This means your broker can compare lending products from different lenders to find a loan that’s just right for you.
Some mortgage brokers charge a fee for their services and some don’t. When you take out a loan via a mortgage broker, it does not cost you more in loan repayments. Brokers get paid a commission by the lender for bringing new business to them, but this does not impact your interest rate. Some brokers charge a fee for their service. They must disclose this fee upfront to you so that you know what it will cost if you engage their services.
Absolutely not. First of all, there is very little difference between the commissions paid by the various lenders. There is also legislation in our industry called the National Consumer Credit Protection Act (or NCCP), that is designed to protect consumers and ensure ethical and professional standards in the finance industry. We tell you upfront what commission we will be getting from the lender. Our job, our only job, is to find a competitive loan for your needs and objectives.
Sure thing! We are mobile brokers so we can come to you.
The primary advantage of using a broker for financing large purchases beyond property is the ability to secure finance tailored to your specific financial circumstances and needs. For depreciating assets, the right financing can potentially save you money on interest and fees or help maximise your tax benefits.
Not sure what type of loan suits your current financial situation? That’s where we come in. We provide customised finance solutions selected from a panel of leading lenders, ensuring your loan is working in your best interest. Contact us today to discover how we can assist you.
The Trustee for QLD Mortgage and Finance Trust ABN: 75 374 008 331. Credit Representative #465891 is authorised under Australian Credit License #389328.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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