urposes. You will enjoy flexibility to set loan terms and residual values, tax advantages, and the option to own the vehicle at the end of the term should you choose to purchase the vehicle at the residual value.

This option is also available for your employees (and is also a suitable alternative method of finance for Ministers of Religion), if their vehicle is going to be used primarily for business p

Other benefits of a CHP include:

• fixed monthly payments
• acceptance of a deposit (either cash or vehicle trade-in) to reduce loan amount
• flexible loan terms, with ownership at the end of the term
• tax deductibility on the depreciation on the vehicle and the interest component of the monthly payment, if the vehicle is used to generate income or the expense is required in carrying on your business
• the option to claim GST on the vehicle price, if you're registered for GST

Novated Leasing

Novated leasing is typically used to finance new and used motor vehicles where an employer offers salary packaging arrangements. Novated leasing via salary packaging is often an attractive option: maximum flexibility for both the employer and employees, at no risk to the employer.

The employee benefits from the following:

• Able to select a vehicle that suits the individual
• Tax benefits — payments are made from pre-tax income, lowering your  out-of-pocket vehicle expenses
• Fixed monthly payments at a fixed interest rate

The employer benefits from the following:

• No risk of re sale of the vehicle as the employee is solely responsible for the vehicle
• If an employee leaves, the employer is not left with the vehicle as the vehicle payments are transferred the next employer
• the employee is responsible for all the maintenance

Chattel Mortgage

You own the asset from the start of the agreement, with a loan term secured by the asset of 12 to 60 months. This product is suitable for financing your motor vehicle needs. Balloon values can be structured to be made at the end of the period or the transaction can be fully amortised. A tailored chattel mortgage is ideal if you use the cash method of accounting, as it allows you to claim the GST in the vehicle's price up-front, or on a monthly basis should you be on a accruals method. Balloon values can be structured to be made at the end of the period or the transaction can be fully amortised. You can lower your monthly expenditure by placing a residual payment value at the end of the term.
 

• fixed monthly payments at a fixed interest rate

 Private Fleet

Work totally for the potential car buyer, to ensure their new car purchase is second to none.  Private Fleet’s personal car buying service makes buying a car hassle-free with no heavy sales pitches, pushy car dealers or time-consuming visits going from car yard to car yard.  They do all the hard work for you and ensure that you get the vehicle of your choice at a fleet price better than you would ever believe. Private Fleet is by far, the largest car buying service in Australia. They regularly save clients thousands off the price of a new car! Private Fleet currently purchases between 400-600 new cars each and every month and have over 1000 contracted dealerships of ALL makes nationwide.

The dealer delivers the car to your door with a full tank of fuel.

• Trade In vehicles are accepted and also tendered to obtain the highest Trade In Value for ACE Lending Solutions customers.
• The waiver of our $178.00 Lifetime Membership fee for ACE Lending Solutions directly referred clients.

Please call our office on 9801 6240 to discuss your options further with our qualified staff.