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Making Finance Simple So You Can Get the Keys in Your Hands
At Stratton Finance, everything we do is built around one goal—helping our customers get what they need, without the stress.
Motor vehicle stamp duty guide
The purchase of property, vehicles and insurance can all attract stamp duty tax. We can't get rid of Stamp Duty, but we can save you money on your car and car finance.
Car Shopping? Why Pre-Approval is Key
The excitement of buying a new or used car is a feeling like no other. Whether you're upgrading to a more reliable vehicle, expanding your family, or simply treating yourself to a dream car, the journey begins with finding the perfect set of wheels. However, before you start test-driving and haggling over prices, there's a crucial step that can greatly enhance your car-buying experience: getting pre-approved for a car loan.
What's a Balloon Payment?
If you are in the market for a car, boat, or caravan loan, it's crucial to have a clear understanding of all the details of your loan agreement. One aspect that often confuses borrowers is the concept of a residual value or balloon payment. These terms play a significant role in your loan and financial planning, and at Stratton Finance, we are here to shed light on their importance and guide you through the process of securing the best balloon payment option to suit your needs.
Broker vs. Direct: Which Path to Choose?
While many dealerships may offer in-house financing options, have you considered the advantages of working with a broker like Stratton Finance? In this article, we'll explore why opting for a broker can be a smarter choice when making your next significant purchase and how Stratton Finance can make your buying experience seamless.
Fixed or Variable? Make the Right Choice
When it comes to purchasing a car, boat, caravan, or any commercial asset, one of the most crucial decisions you'll make is choosing between a fixed or variable interest rate loan. Each option comes with its own set of advantages and considerations, and making the right choice can significantly impact your financial well-being. At Stratton Finance, we understand the importance of this decision, and we're here to guide you through the process to ensure you make an informed choice that aligns with your unique financial situation and goals.
Understanding the Impact of Debt Consolidation on Credit Scores
Your credit score is crucial for loan and credit approval. A good score increases your chances of financing, while a poor score can limit options and lead to higher rates. In our blog, we explore how debt consolidation can impact credit scores, both positively and potentially negatively. We focus on key factors that influence credit scores in Australia, providing valuable insights for maintaining a healthy score during consolidation. Credit scores evaluate your creditworthiness, considering your history and financial factors.
Repayments vs Rates: What's the Deal?
When you're in the market to finance a car, boat, caravan, or commercial asset, you might find that interest rates alone don't tell the whole story. The total cost of a loan can encompass a variety of factors, including fees, charges, and other hidden costs that can significantly impact your financial situation. That's where comparing monthly repayment amounts and assessing your overall financial health come into play. At Stratton Finance, we understand the complexities of loans, and we're here to help you make informed decisions about your financial future.
Asset Finance & Mortgages: Should They Mix?
In the pursuit of acquiring assets like a car, it's not uncommon for individuals to contemplate the idea of leveraging their existing mortgage. However, the decision to intertwine asset finance and mortgages should be made with careful consideration. At Stratton Finance, we believe that understanding the pros and cons of this financial choice is essential to make an informed decision that suits your unique circumstances.