Premier Finance specialises in organising the most suitable funding for its clients’ financial needs, particularly in dealing with:

• Purchases of residential, commercial, industrial, retail and rural property
• Refinancing and equity raising secured against property
• Financing passenger cars, commercial vehicles, and plant & equipment
• Vehicle purchasing

Residential
Premier Finance caters for current and prospective property owners ranging from home buyers to professional residential property investors. We assist with the purchase of property, refinancing and raising funding for personal use or investment by accessing equity held in property.

Portfolio Restructure
Many investors who have accumulated a number of properties over time find themselves bound to one lender in a cross-collateralised security scenario, which can make ongoing trading quite restrictive. Quite often, Premier Finance has been able to renegotiate facilities on behalf of a client with their existing lender – benefits that would not have been achieved without the assistance of Premier Finance.

Benefits arising from restructure analysis are:

• free up equity with the right product for further investment
• decrease vulnerability from exposure to any one lender’s credit and pricing policy
• more favourable terms negotiated
• more favourable pricing negotiated

Lo-Doc Loans
These facilities are ideal for PAYG and self-employed borrowers, who want to 'self certify' their income rather than provide pay slips, tax returns etc. These loans are particularly useful for borrowers who haven't completed their current tax returns, where current figures do not accurately reflect their real position or where applicants have been in employment or business for only a relatively short term.

Commercial / Retail / Industrial / Rural
As these types of transactions are more complicated than the average home loan, borrowers need confidence in a broker that has the experience and contacts required to optimise terms and pricing. In a contracting credit market with less competition, it is more important than ever that borrowers seek a broader opinion than just their own bank in order to optimise the most favourable outcomes.

Development
Development funding is as much about terms and conditions of the loan facility as it is about pricing. Premier Finance will work with you ensure that the market can best meet your needs in terms of gearing, number of pre-sales required and extent of lender security requirements etc. Whilst most lenders in the market will accept any worthwhile development funding proposal, it is imperative to place a transaction such as this with a lender that specialises in the area and does it well. Premier Finance adds value to the transaction by liaising where appropriate with other professionals involved in the transaction such as quantity surveyors, architects, solicitors and property valuers.

Leasing
There are numerous ways to purchase vehicles such as cash, overdraft or accessing equity in property, however these methods may not always be in your best interests.

Getting the structure right with leasing brings the following benefits:

• the asset life is matched more in accordance with the fixed rate and term of the facility
• conserves capital - decreases dependence on overdrafts
• there is no likelihood of a capital “call up”
• the asset secures itself
• your real estate assets are not at risk
• provides tax benefits

The types of assets that can be financed include:

• Passenger Cars
• Light and Heavy Commercial Vehicles
• Earthmoving & Construction Equipment
• Manufacturing Plant & Equipment
• Medical & Dental Equipment
• Mining Equipment
• Fit outs
• IT Hardware

Vehicle Purchasing
Not only can you secure a great finance deal through Premier Finance, we can also save you thousands on the purchase price of new and used vehicles.

Through our associated buying groups, we are able to offer a great new way to purchase your passenger or light commercial vehicle.

Our buying groups purchase more cars than any other company in the country which gives us access to volume discounts which are unavailable to the general public.

Once you have decided on your chosen vehicle, our groups will invite multiple dealers from a network of over 600 from all over the country to compete for your business.

A no pressure test drive can be arranged at your home or work, a valuation done on your trade-in and once the deal is done, the car is delivered to your home with a full tank of fuel. We are pleased to be able to offer you this service with normal fees being waived ie no cost to you.