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Whether you’re looking for motor finance or you’re considering taking out a personal loan for a wedding, a holiday, a renovation or to consolidate your debts, Mates Rates Mortgage Brokers can help you to get the right lender for your personal loan needs.
Our motor finance and personal loans do not cost you any more than if you applied for the loan directly to the bank or other lender.
We’ll find you the same great loan, from the same lender, at the same interest rate and with all the same package features.The only difference is, we take away the time, hassle and stress involved in comparing different types of car and personal loans from a wide variety of banks and other lenders!
A car loan is specifically designed for the purchase or refinancing of a car, however a personal loan can be used for a variety of purchases, such as a wedding, a holiday, a renovation, consolidation of debt or even to purchase a car.
Car loans are a type of secured personal loan, which means if you default on the loan repayment, the bank or lender can seize your car.
If you want to purchase an older or used car, you will probably have to take out an unsecured personal loan instead, as most lenders will only let you purchase a new car with a car loan.
Personal loans can be secured or unsecured and you can also choose between fixed or variable interest rates, so how do you know which personal loan is the right one for you?
With a fixed interest rate personal loan, your repayments won’t change and it’s easy to budget as you’ll know exactly how much will come out of your bank account each month, however you’ll be charged an exit fee if you leave the loan early.
Variable interest rate personal loans don’t have an early exit fee, however it’s harder to budget for the repayments as they will change according to interest rate fluctuations.
And while unsecured personal loans have higher interest rates than secured loans, both secured personal loans and unsecured personal loans – as well as car loans – all have lower interest rates than credit cards.
With so many different types of car loans and personal loans from a multitude of lenders, these are some of the factors to look at when you’re comparing car loans or personal loans.
Don’t have the time or the know-how to check and compare car loans or personal loans?
Instead of you applying directly to a single lender or wasting hours online trying to compare different rates from different types of loans and lenders, why not let Mates Rates Mortgage Brokers do all the heavy lifting for you!
By assessing your financial needs and situation, our expert brokers at Mates Rates Mortgage Brokers can help you get a better deal on your car loan or personal loan, using our expertise to help match you with a loan that suits your financial needs and help you to achieve your personal goals.
We review multiple options to find the best deal for you, choosing from our extensive portfolio of lenders to save you thousands in interest and fees, so you can get on with making your dreams a reality.
Give us a call on 1300 558 161, email our team at info@matesratesmortgages.com.au or enquire online.
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Generally, a personal loan will be under $50,000 and you will be able to borrow more with a secured loan than an unsecured loan, however, each borrower will be assessed on a case-by-case basis.
Yes you can. A personal loan will offer lower interest rate than credit cards and with a single set of repayments over a set term it’s easier to budget because you’ll know exactly when and how much your repayments will be.
Banks and other lenders will assess your debt-to-income ratio, to ensure that you will have enough money left in your budget to cover your loan repayments.
Other factors that they will take into consideration will be your credit score, any bad credit history, the stability of your employment history, and whether you have included all the relevant information and paperwork with your application.
Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril. delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis eleifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dynamicus, qui sequitur
Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril. delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis eleifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dynamicus, qui sequitur
Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril. delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis eleifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Typi non habent claritatem insitam; est usus legentis in iis qui facit eorum claritatem. Investigationes demonstraverunt lectores legere me lius quod ii legunt saepius. Claritas est etiam processus dynamicus, qui sequitur
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