MySwag.org The Off-road Camper Trailer Forum
The Trader => Showroom Floor => Topic started by: prado2004 on February 19, 2016, 01:30:45 PM
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Hey guys, have been a long term user of the forum and after assisting a few swaggers recently with finance I thought I would put a showroom thread up. (I hope this is allowed, it is relevant with financing cars and campers).
I run a finance company up here in sunny QLD! It has been my pleasure so far in financing campers for dozens of swaggers over the years so I am hoping to do plenty more.
Basically the best way we find to finance cars and campers is to go in and negotiate the best cash price for the item you are buying, then we can provide multiple quotes on repayments from different banks and get you the sharpest rate available. Most of the dealers who are offering these very cheap rates normally charge RRP on the vehicle or camper, then in the fine print you will find after 2-3 years the rate jumps a lot higher. We can obtain sharper rates for you and you can obtain a sharper purchase price and it is a win win all round.
Jump on and like us on Facebook
https://www.facebook.com/Dream-financing-820247191460084/ (https://www.facebook.com/Dream-financing-820247191460084/)
Here is my website
https://dreamfinancing.com.au (https://dreamfinancing.com.au)
We are located northside brissy but have clients all over Aus, including Tas, NZ & PNG.
We offer finance for houses, businesses, commercial, equipment finance, cars & anything really. We do a lot of refinancing to save people dollars on their home loans and often this is the best way to increase it via a line of credit or cash out to buy 4x4s and caravans etc.
We are a local truly Aussie owned business so if anyone needs any help with anything feel free to shoot me a PM.
My email address is brenton@dreamfinancing.com.au and mobile is still the same 0423 030 533
Thanks guys,
(https://img1.wsimg.com/isteam/ip/84a9b2cb-05e3-4b17-8845-aaaf317f4fab/e5590c2f-fde9-453e-acdc-064fd2d97b88.jpg/:/)
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Thanks for the opportunity to provide some fellow swaggers with finance quotes already. Glad to be able to give back to such an amazing forum!
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thanks for the opportunities to quote and provide finance to multiple guys on the forum over the last week. Really appreciate the support.
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Hi All,
Just a quick thanks to Brenton, we had to borrow a small amount of money to get us over the line with the new camper and a new..........
Brenton had lots of useful advice that he offered up for free after I contacted him as a result of the "Toyota Finance" thread. His advice has saved us quite a significant amount of money over the term of the loan.
I will never again go with the original repayment / interest rate quoted by a bank. They seem to be pretty keen to discount things if you're prepared to play one off against the other.
Cheers
Lindsay
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Hi All,
Just a quick thanks to Brenton, we had to borrow a small amount of money to get us over the line with the new camper and a new..........
Brenton had lots of useful advice that he offered up for free after I contacted him as a result of the "Toyota Finance" thread. His advice has saved us quite a significant amount of money over the term of the loan.
I will never again go with the original repayment / interest rate quoted by a bank. They seem to be pretty keen to discount things if you're prepared to play one off against the other.
Cheers
Thanks for the kind words Lindsay, we really appreciate it.
Yes definitely banks never give the best deal up front, however using us and other brokers you are always going to get the best offer up front so at least you can see who has your interests at heart. Same goes with home lending and business/commercial finance. At the end of the day the banks want top dollar from you.
Good luck with the new toys and selling the old ones! :cheers:
Lindsay
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Guys am off to Fraser for 2 weeks on holidays this sat. Back 2nd April. Other people are in the office working but for finance enquiries best to follow the below
Phone 075495300 or 0419781428 for Warren.
email warrenpavey@crediflex.com
Cannot wait to get back onto the island. Doing a week on eastern side camping up on the beach near ocean lake (ngala rocks) and then a week on western side at awinya creek. Best of both worlds.
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Well, I certainly wish I was back at Fraser but I am back to business now. For those that messaged me whilst I was away I will get back to you all asap. thanks for all of the enquiry from this forum, such a great place!
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Have had a number of phone calls and emails from site members this week, thanks for the support guys!
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Some of the rates floating in the market for campers FYI
send me a message for more info, thanks for the business of the my swag members. Making me very jealous seeing all of these campers though!
(http://i239.photobucket.com/albums/ff129/chunky_wrangler/Screen%20Shot%202016-05-06%20at%209.35.16%20AM.png)
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Another deal settled today for a fellow swagger. enjoy the new camper! ;D
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Just wanted to say a big thank you to Brenton. Finance is always a pain and often you want to do it one way and the lenders have the way they would like you to do things. Brenton was very patient and helpful with providing quick replies to various options I requested.
Brenton's communication was great and he was friendly and helpful throughout. If anyone is looking into finance for a camper or even a house or car I would recommend giving Brenton a call and having a chat.
Now I just have to wait for my new camper trailer to arrive
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Just wanted to say a big thank you to Brenton. Finance is always a pain and often you want to do it one way and the lenders have the way they would like you to do things. Brenton was very patient and helpful with providing quick replies to various options I requested.
Brenton's communication was great and he was friendly and helpful throughout. If anyone is looking into finance for a camper or even a house or car I would recommend giving Brenton a call and having a chat.
Now I just have to wait for my new camper trailer to arrive
Cheers Andy,
Enjoy the new toy. I hope its not too long of a wait :cup: :cheers:
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Latest messages replied to guys, thanks for the support. Happy friday :cheers:
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Thanks for the couple of recent enquiries guys, have replied to them all. I was away on the weekend so sorry for it taking a few days for some.
:cheers:
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Have had a couple of recent business loan and home loan enquiries from the site so thanks for the support. On the home loan side of things two lenders have increased fixed rates over the last two days so interesting times ahead. I am not quite sure what the method to their madness is given economists are saying potentially another RBA rate cut in the near future.
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^^^
... interesting. I suppose if a couple of the lenders have raised their fixed interest rates - then they are punting that variable rates will soon go north a bit.. Is that about right?
I just refinanced a large commercial loan P&I - (from BOQ - where I had been a loyal customer since 1989, but where the darlings saw fit to have me on 4.9% grrr); ..to Suncorp, at a rate of 4.7% & I.O...
Would you say 4.7% (Commercial finance I.O. ) - is about on the money?
Your advice welcome.
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^^^
... interesting. I suppose if a couple of the lenders have raised their fixed interest rates - then they are punting that variable rates will soon go north a bit.. Is that about right?
I just refinanced a large commercial loan P&I - (from BOQ - where I had been a loyal customer since 1989, but where the darlings saw fit to have me on 4.9% grrr); ..to Suncorp, at a rate of 4.7% & I.O...
Would you say 4.7% (Commercial finance I.O. ) - is about on the money?
Your advice welcome.
You can probably get better than that.
NAB is doing some of my stuff at 4.3% and ANZ are doing the rest at 4.2%. Minor fees probably raise the rate by 0.05%.
It all depends on the security obviously. Some of my clients are getting rates in the high 3's
:cheers:
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^^^
... interesting. I suppose if a couple of the lenders have raised their fixed interest rates - then they are punting that variable rates will soon go north a bit.. Is that about right?
I just refinanced a large commercial loan P&I - (from BOQ - where I had been a loyal customer since 1989, but where the darlings saw fit to have me on 4.9% grrr); ..to Suncorp, at a rate of 4.7% & I.O...
Would you say 4.7% (Commercial finance I.O. ) - is about on the money?
Your advice welcome.
Hey Base camp. Yes suncorp are starting to play with sharp rates in the commercial space so by all means i wouldn't see this as a bad rate.
It just depends, some banks will lend for business purposes at residential rates if 50% + of the security is residentially secured. So for example the rate would be sub 4% however obviously it needs the resi part to secure it. we are doing a lot of this with law firms, accountants etc where they have business lending (some paying 7+% due to being loyal customers of a bank :-[) and we are getting them down sub 4% so you can understand the savings. We just did this for a hairdresser client who owns 3 pretty exclusive shops around brissy and saved them about $60k annually in interest.
ING currently have commercial rates around the 4.2-4.3% as well for the right client, they are quite conservative and like the straight froward deals which obviously they all do.
Given you have just refinanced already its probably not financially viable to do it again plus the headache for you, however when you want to shop around let us know happy to offer advice if thats what you would like to do.
Am in the middle of working on a $6M+ commercial deal for a client in Sydney who owns multiple hardware stores. they have been with westpac in their family for 60+ years and now basically because valuations have come up short westpac are playing hard ball with them. Based on what banks have offered me so far they will save about $180,000 annually in interest, they cannot believe it. not to mention discounts on merchant services fees and bank waiving valuation costs. I suppose the beauty of using a good broker is instead of you playing the bank yourself we do it. at the end of the day playing a bank direct most of the time they know they have you as you are already talking to them.
Camping is much cheaper.... ;D :cheers:
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You can probably get better than that.
NAB is doing some of my stuff at 4.3% and ANZ are doing the rest at 4.2%. Minor fees probably raise the rate by 0.05%.
It all depends on the security obviously. Some of my clients are getting rates in the high 3's
:cheers:
good advice from Nomad! its definitely a buyers market in the lending space they will fight for the right client.
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Thanks Prado, .. with us - what was so dissapointing with BOQ; (which I had been with since 1989); was that on 45% LVRs ... they wanted $10,400pcm P&I at 4.9% per month on one of the loans; and even less inspiring on another ... whereas Suncorp was more than pleased to take us on at 80% LVR - (exclusively against 1 x commercial rental property) ... permit I.O. at 4.7%; (great for cash flow); ... and would also allow a version of a "mortgage offset" type of facility on the com facility - so we can park cash and redraw if/when needed --
Suncorp also picked the tab up for the $2.4K val.
I appreciate you can get sub 4% for com - if you throw in a resi property. .. but in 2015 we liquidated our PPR; (will be using the "profit" for that offset) - and we moved into a (previous) resi investment property...
And due to our appetite for risk, (or lack thereof); and further because of the general malaise of the macro environment imho; ..we made the conscious decision not to mortgage our (new) PPR...
Happy enough to pay a few more basis points on the com loan; (which is tax deductable in any case); and at least have a roof left over our heads - in the event that the SHTF. ... (which I can see coming within the next 36 months....
Sent from my SM-N910G using Tapatalk
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Thanks Prado, .. with us - what was so dissapointing with BOQ; (which I had been with since 1989); was that on 45% LVRs ... they wanted $10,400pcm P&I at 4.9% per month on one of the loans; and even less inspiring on another ... whereas Suncorp was more than pleased to take us on at 80% LVR - (exclusively against 1 x commercial rental property) ... permit I.O. at 4.7%; (great for cash flow); ... and would also allow a version of a "mortgage offset" type of facility on the com facility - so we can park cash and redraw if/when needed --
Suncorp also picked the tab up for the $2.4K val.
I appreciate you can get sub 4% for com - if you throw in a resi property. .. but in 2015 we liquidated our PPR; (will be using the "profit" for that offset) - and we moved into a (previous) resi investment property...
And due to our appetite for risk, (or lack thereof); and further because of the general malaise of the macro environment imho; ..we made the conscious decision not to mortgage our (new) PPR...
Happy enough to pay a few more basis points on the com loan; (which is tax deductable in any case); and at least have a roof left over our heads - in the event that the SHTF. ... (which I can see coming within the next 36 months....
Sent from my SM-N910G using Tapatalk
Hey Base camp sorry for the late reply mate havent been on for a few days!
Yes a lot of people in life get disappointed with banks as they think they have some sort of loyalty etc and at the end of the day you are talking about a big organisation with big turnover so the person you had loyalty with once upon a time probably isn't even there anymore. I suppose thats the benefit of using a broker, especially one who runs their own business as they work for you and aren't going to get a promotion or a transfer. Also at the end of the day we can change banks for the customer so you aren't even tied to one organisation. I've had a few run ins with BOQ over the years but I've also written them millions of dollars in business. they are hard as they are a franchise, sometimes you get someone who owns one and they have a very lets say "odd" mentality. At the end of the day you have a good situation which has allowed cash flow to benefit and you saved money with repayments so thats a win win from my end.
Congrats! Any questions dont hesitate. I am a what they call gold broker with suncorp as well so if you ever need a hand let me know. enjoy! :cheers:
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Merry xmas all. I am off on holidays for 6 weeks to Europe tomorrow. if you need anything ring the office or email warrenpavey@crediflex.com as he will be looking after everything while I am away.
thanks for the support!
Brenton
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Do you live somewhere hard to get to? Don't worry our team can get there! Here is one of our work 4x4's. If you dont understand it may be because "its a Jeep thing". Give us a call 07 5495 3000 I need an excuse to get off road so finding customers is a good one!
(https://scontent.xx.fbcdn.net/v/t1.0-0/p235x350/17190850_673859626126356_8640263724980512738_n.jpg?oh=b5fa028310129bf459bb0c04367e491a&oe=5934CC47)
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PM's have been responded to everyone :cheers:
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Quite a few emails this week from swaggers about finance.
In a nut shell guys i can finance campers new and old and from a dealer or private. Totally depends on what you are trying to finance and as I finance commercial and home loans i can potentially refinance your house and save you money and get some cash out to buy a camper.
Alternatively i can lend with the camper securing the loan. Most of the major banks have quite sharp rates for new campers up to 1 year old, then 2 to 5 years old they add roughly 2% on top and 5+ years old the rates go to near personal loan rates.
Some more specialist equipment finance lenders have sharp rates as long as the camper is less than 12 years old by the end of the term. So if you want to buy a private 7 year old camper i can finance it over a 5 year term as good rates. It depends on the amount but on $20k+ finance you are looking in the 7% range which is sharp for an older camper. Happy to run scenarios by anyone, get in touch.
Happy swagging!
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Not a camper but looking at a new skid steer, if i put down a 20% deposit on a 68k machine wit CAT they will finance the remainder over 4 years for 2.99%. Do you do deals like that as well?
Cheers
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Not a camper but looking at a new skid steer, if i put down a 20% deposit on a 68k machine wit CAT they will finance the remainder over 4 years for 2.99%. Do you do deals like that as well?
Cheers
Hey Outwest, To be honest none of the banks are that cheap and if thats the true rate its nothing i can help with. If you want to send me an email with the details including if you do or dont have a balloon payment i can tell you what I can do. A lot of the time dealers advise clients of cheap rates like toyota advertising 1-2% etc but they jack the fees up and in the terms and conditions after for example two years into the term they jack the rate up so with equipment finance its best to compare with repayments not rates. a lot iof the time i get cheaper repayments than the dealers even when they advertise lower interest rates which people cannot fathom.
Happy to do a little research for you, my email is brentonpavey@crediflex.com.
I do a lot of farming finance including cotton machines, bobcats, earthmoving and semi trailer gear.
all the best
Brenton
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Hey Outwest, To be honest none of the banks are that cheap and if thats the true rate its nothing i can help with. If you want to send me an email with the details including if you do or dont have a balloon payment i can tell you what I can do. A lot of the time dealers advise clients of cheap rates like toyota advertising 1-2% etc but they jack the fees up and in the terms and conditions after for example two years into the term they jack the rate up so with equipment finance its best to compare with repayments not rates. a lot iof the time i get cheaper repayments than the dealers even when they advertise lower interest rates which people cannot fathom.
Happy to do a little research for you, my email is brentonpavey@crediflex.com.
I do a lot of farming finance including cotton machines, bobcats, earthmoving and semi trailer gear.
all the best
Brenton
Thanks Brenton.
I will email you the finance quote i get from Hastings Deering, I haven't got a written quote for the skid steer yet from the salesman, expecting it any minute.
Cheers Mark.
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Thanks Brenton.
I will email you the finance quote i get from Hastings Deering, I haven't got a written quote for the skid steer yet from the salesman, expecting it any minute.
Cheers Mark.
No problems Mark. we are an honest family owned business if its a good quote I will let you know :cheers:
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I would like to thank Brenton for trying his best :cheers:, sometimes big manufactures will give out rates that no lending institution can beat.
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I would like to thank Brenton for trying his best :cheers:, sometimes big manufactures will give out rates that no lending institution can beat.
All good Mark, it was a good rate from CAT, sometimes they just can't be beaten so glad I could tell you quickly that you were onto a winner. All the best mate.
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On a positive note have just got finance approved within 6 hours for a fellow swagger for a Lifestyle AT12NB :cheers: I am jealous I absolutely love those hybrid campers!
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On a positive note have just got finance approved within 6 hours for a fellow swagger for a Lifestyle AT12NB :cheers: I am jealous I absolutely love those hybrid campers!
Mate you don't need to be jealous as you have the Outback 12 footer for less than half the money,
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On a positive note have just got finance approved within 6 hours for a fellow swagger for a Lifestyle AT12NB :cheers: I am jealous I absolutely love those hybrid campers!
Thank you Brenton for all your help in organising finance for the new camper. You made the process very easy for us, which is just what we needed :-)
Now to collect on Thursday!!
Sent from my iPhone using Tapatalk
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How about motor bikes, can you do motor bikes :) Not sure I want the answer to this it might get me in trouble :angel:
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How about motor bikes, can you do motor bikes :) Not sure I want the answer to this it might get me in trouble :angel:
Hi GanG,
Yes I can finance bikes as well. i dont want you to be out on the street though if the Mrs GanG boots you out! feel free to PM me some info on the bike and happy to advise the options. Brenton
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Mate you don't need to be jealous as you have the Outback 12 footer for less than half the money,
Always jealous of the nice rigs on here rags! well not jealous, more happy for them is the right way to say it. hope you are well mate.
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Thank you Brenton for all your help in organising finance for the new camper. You made the process very easy for us, which is just what we needed :-)
Now to collect on Thursday!!
Sent from my iPhone using Tapatalk
Thanks Jules, you were a pleasure to deal with and I am glad I could help you with your new Lifestyle AT12NB! Enjoy your big lap, if you ever have any questions I am only a phone call or an email away. All the best! :cheers:
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Finance approved today for another swagger buying another Lifestyle. Sensing a trend..... ;D
Happy Swaggin
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All PM's have been replied to. Thanks for the on-going support.
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Just been out at the Brisbane van show today, looking at the prices I would need your help to make it a reality, these hybrid vans are worth more than I spent building my 1st house.
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Just been out at the Brisbane van show today, looking at the prices I would need your help to make it a reality, these hybrid vans are worth more than I spent building my 1st house.
Hey Rags, how is things mate? Sorry I did not see this until now. Yes tell me about it, some companies are making very good coin out of campers these days. It is a whole new world out there in terms of price! Happy to chat mate, can offer advice regardless of whether you proceed or not.
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FYI all, the last few camper and car loans I have done for Swaggers I have been able to refinance their home and save them big $$$ and get cash out to buy their toys. Yes I know some are against this as financing over a 30 year term works out more in the long run. I always advise people the repayment they need to make to pay it off in the term they want to. This could be an option for some people. Variable rates at the moment with multiple lenders are around the 3.69%-3.79% mark and they have minimal fees.
If anyone wants to chat get in touch. I also have lenders for all of you self employed people who will do business funding if you have residential security, so if you have a home loan which is lower and a house worth a bit and also have a business loan I can potentially finance it with a bank who will do the entire lot at home loan rates.
Just a little food for thought. Thanks for the support guys.
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FYI all I have updated the first page. Dad is focusing on Crediflex just doing commercial/business finance so I have set up a new entity which will do more in the home loan and consumer loan side of things and focus on cars, campers, boats etc. Details have been updated on page 1.
Thanks for the on-going support.
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I have come across a little niche, I now have a contact at Toyota in QLD who is able to get corporate pricing for anyone. Self employed or now. Can get a VX including all costs on the road for $94k in QLD. I recently financed one to a bloke in NSW. They can supply the car with a dealer plate for interstate buyers and you get a few days to register the vehicle in the corresponding state.
It is impressive pricing and cheaper than I have seen anywhere else personally, see below. Obviously we can finance these cars at competitive rates and repayments, would love to keep helping out swaggers!
If you want to below pricing before QLD rego and on-roads it is approximately $5,000 cheaper. Then you would need to take the vehicle to your corresponding State and obtain all on-road + registration costs.
GXL - $84k on the road in QLD
VX - $94k on the road in QLD
Sahara - $113k on the road in QLD
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Hi Brenton, do you have a contact for Toyota in Victoria?
Tim
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Hi Brenton, do you have a contact for Toyota in Victoria?
Tim
Hey Tim, sorry my guy can only do QLD however I have just got him to do one for a client who got it so much cheaper than he could in NSW he is flying up and driving it home.
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Hey Tim, sorry my guy can only do QLD however I have just got him to do one for a client who got it so much cheaper than he could in NSW he is flying up and driving it home.
Dealers will usually freight a vehicle interstate for delivery. That would save the flight cost, time and petrol.
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Dealers will usually freight a vehicle interstate for delivery. That would save the flight cost, time and petrol.
In this case it was cheaper by a lot for him to drive interstate.
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Thanks Brenton,
I'm waiting on Vicroads to get back to me re cost of changeover and a couple of prices down here - If I can turn collecting it into a holiday I'll definitely get in touch with you!
Thanks for your time.
Tim
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Thanks Brenton,
I'm waiting on Vicroads to get back to me re cost of changeover and a couple of prices down here - If I can turn collecting it into a holiday I'll definitely get in touch with you!
Thanks for your time.
Tim
No worries Tim, good luck!
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Financed a new Prado this week, I tell you what the new latest model is a big step up. Bonnet and interior similar to 200 series. Also they now tow 3T.
I can get sharp pricing from a contact direct at Toyota, I got this one for a client for $69k driveway. GXL with leather upgrade to entire interior, dual batteries and dc to dc charger with voltage gauge installed in graphite grey.
(https://scontent.fbne4-1.fna.fbcdn.net/v/t1.0-9/24296545_954785578006244_1045576476898669140_n.jpg?oh=ba62bc900406e72c85db324ac5732bef&oe=5AD02189)
(https://scontent.fbne4-1.fna.fbcdn.net/v/t1.0-9/24067814_954785591339576_2358685592158038719_n.jpg?oh=2d075759587de8e206dc8ef4d3c41f89&oe=5A981DEE)
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Thanks to the few people over the last weeks who have got in touch, I have been able to help swaggers quite a bit over the years so it is great to be able to help when I can.
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Thanks for the enquiry as of late everyone. This site gives me the chance to help quite a few people whether it be car or camper finance, or refinancing home loans to free up cash to buy toys or renovate. Much appreciated :cheers:
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Some very sharp rates out at the moment for vans and camper trailers as per below. Can currently obtain 5.85% for any new to 1 year old vans and campers between $20,000-$59,999. Expect sharper rates north of $60k.
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Thanks for the people who have used my services recently it is glad to see some more people getting out and about in new cars and new campers, Thanks also to the people who have used me for refinancing houses and buying them. It is great to work with you all.
:cup:
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Hey all, some sharp rates even on second hand vans and campers at the moment with some of the lenders, see below one for example.
If you own a property anything from 2015-2018 is 6.5%
For non property owners anything from 2015-2018 is 7.7%
This applies to Caravans, campervans, camper trailers and motor homes. We can also finance cars, boats, motorbikes and anything else on top or residential and commercial property. Your one stop finance shop.
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PM's have been replied to everyone ;D
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Hey prado 2004 are you guys into margin lending at all for share portfolio investment purposes???
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Hey prado 2004 are you guys into margin lending at all for share portfolio investment purposes???
Hey Chester I will send you a PM mate
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I'll have to get in touch soon as I have a new van coming in a couple of months ;D
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I'll have to get in touch soon as I have a new van coming in a couple of months ;D
Hi mate, sorry for the late reply I have not been on here much lately.I would love to help.
Also guys best way to get in touch is a PM or brenton@dreamfinancing.com.au email, the PM's go to my inbox so I will always get back quickly to a PM.
Happy swagging!
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Sent you a PM Brenton ;D
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Thanks for the enquiry as of late guys, appreciate the support!
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PM's replied to guys :cheers:
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Sorry guys it has been a while since I have been on here, PM's replied to. I do get alerts via email when I get PMs so get on here straightaway.
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Folks I have email correspondence from Brenton confirming he is still in business and can still assist Swaggers :cheers:
Best to you the contact details he has listed in the first post rather than PM'ing him.