Flagship Financial

Flagship Financial Automotive, business & personal finance for busy people. Based in Brisbane, but servicing the whole of Australia.

What I keep hearing from tradies who are buying equipment:"I just went with the dealer's finance — it was easy.""I didn'...
02/06/2026

What I keep hearing from tradies who are buying equipment:

"I just went with the dealer's finance — it was easy."
"I didn't know I had options."
"Nobody told me about the tax side."

Here's the thing about dealer finance on equipment:

The rate is often higher. The terms are usually rigid. And you miss out on structures that could save you thousands — especially before June 30.

What I do differently:

→ Compare 30+ lenders — not just the one the dealer uses
→ Structure the loan so your accountant can maximise the deductions
→ Factor in your cash flow, not just the price tag
→ Get you approved before you walk in — so you negotiate on price, not finance

If you're buying a machine, a trailer, a truck, or fitting out a new van before EOFY — talk to me first. 10 minutes could save you thousands.

📩 DM me "EQUIPMENT" and I'll explain your options.

⚠️ I'm a finance broker, not a tax advisor. Any tax-related information I share is general in nature only. Always speak to your accountant about your individual tax situation before making any decisions.

People still introduce me as "the car loan guy."And look — I love getting people into the right vehicle. That hasn't cha...
31/05/2026

People still introduce me as "the car loan guy."

And look — I love getting people into the right vehicle. That hasn't changed.

But here's what most people don't realise about what I actually do:

→ Equipment finance — excavators, trailers, fit-outs, tools of trade
→ Vehicle finance — utes, vans, company fleets, the lot
→ Cash flow solutions — when the work's there but the timing isn't
→ Working capital — to grow before the revenue catches up
→ Business lending — fit-outs, expansions, franchise purchases

I'm a commercial finance broker. That means I work across 30+ lenders to find the right structure for YOUR situation — not just whatever one bank has on the shelf.

If you're a tradie, a BDM, a support worker, or a business owner who needs to move — I'd love to have a chat.

📩 DM me or hit the link in bio.

"The dealer offered me finance on the spot. Why would I need a broker?"Fair question. Here's the honest answer:The deale...
28/05/2026

"The dealer offered me finance on the spot. Why would I need a broker?"

Fair question. Here's the honest answer:

The dealer has ONE lender. Maybe two. They earn a commission on the finance — sometimes more than they make on the car itself.

That's not necessarily bad. But it means the finance is set up to benefit the dealer, not you.

Here's what a commercial finance broker does differently:

→ Compares 30+ lenders — not just the dealer's one
→ Finds the structure that suits YOUR situation (not the highest-commission product)
→ Gets you pre-approved so you negotiate on the car, not the finance
→ Costs you nothing — the lender pays the broker, not you

I've seen dealer finance come in 3-4% higher than what I can find through my panel. Over a 5-year loan, that's thousands of dollars.

Next time a dealer says "we can do the finance right here" — just say "I'll compare it with my broker first."

That one sentence changes the whole conversation.

📩 DM me "COMPARE" and I'll show you the difference.

*“The Chattel Mortgage Myth”* Most people come to me thinking a chattel mortgage and a car loan are basically the same t...
26/05/2026

*“The Chattel Mortgage Myth”* Most people come to me thinking a chattel mortgage and a car loan are basically the same thing.

They’re not. And the difference can cost you thousands.

What I keep hearing from business owners is:
→ “The bank just offered me a car loan, so I signed it”
→ “I didn’t know there was another option”
→ “I paid the whole amount upfront and never claimed a thing”

Here’s the thing — if you’re running a business and buying a vehicle, a chattel mortgage is usually the better structure.

With a chattel mortgage:
✅ GST on the vehicle can be claimed upfront (on your next BAS)
✅ Depreciation and interest are tax-deductible
✅ The vehicle is an asset on your balance sheet from day one

A standard car loan doesn’t give you any of that.

The lender owns the vehicle until the last payment on a consumer loan. With a chattel mortgage, the business owns it immediately — the finance is just secured against it.

What this means for you:
→ Better cash flow from the GST credit alone
→ Genuine tax deductions your accountant can use
→ A cleaner structure that suits how your business actually works

If you’re buying a vehicle for your business in the next few weeks — especially with EOFY coming — this is worth understanding before you sign anything.

DM me and I’ll walk you through which structure suits your situation.

⚠️ _I’m a finance broker, not a tax advisor. Any tax-related information I share is general in nature only. Always speak to your accountant about your individual tax situation before making any decisions._

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4 weeks to EOFY. If you’re planning a vehicle or equipment purchase — this is the window. ⏳What I keep hearing from busi...
24/05/2026

4 weeks to EOFY. If you’re planning a vehicle or equipment purchase — this is the window. ⏳

What I keep hearing from business owners right now:
→ “I’ll sort it out in June”
→ “I didn’t realise how long approvals take”
→ “I missed last year’s cutoff — I’m not doing that again”

Here’s what the clients who actually make it through before June 30 do differently:

1️⃣ Talk to their accountant first — know what you can spend
2️⃣ Get finance pre-approved now — not in the last week of June
3️⃣ Have the vehicle or equipment sourced — stock moves fast at EOFY

By the time June hits, lenders are slammed. Applications stack up. The clients who move in May are the ones who actually settle before the deadline.

What this means for you:
→ You lock in your deduction for this financial year
→ You’re not scrambling in the final days
→ You get the vehicle or equipment you actually want — not whatever’s left

If you’ve got a purchase in mind — DM me now and let’s see what’s possible.

⚠️ _I’m a finance broker, not a tax advisor. Any tax-related information I share is general in nature only. Always speak to your accountant about your individual tax situation before making any decisions._

Sarah came to me a few months ago.She'd found a secondhand LandCruiser Prado through a private seller — perfect conditio...
21/05/2026

Sarah came to me a few months ago.

She'd found a secondhand LandCruiser Prado through a private seller — perfect condition, great price. Her bank knocked her back because it was a "private sale vehicle" and they didn't want to touch it.

What she was feeling:
→ Frustrated — she'd found exactly what she wanted but couldn't get it
→ Confused — she thought a good credit score meant approval
→ Worried the seller was going to move on before she sorted finance

Here's what most people don't realise: private sale vehicles are harder to finance through the banks. They want dealer invoices, warranties, the lot.

But there are specialist lenders who deal with private sales all the time. They understand that a well-maintained used vehicle from a private seller can be just as good as one from a dealership.

We got Sarah approved — same vehicle, same seller, settled in a week.

What this meant for her:
→ She kept the vehicle she actually wanted — not the dealership's second choice
→ She got a competitive rate through a lender who understood her situation
→ She didn't lose the sale while waiting on a bank that was never going to say yes

If your bank said no — or you're not sure whether your purchase will get over the line — DM me. Sometimes the answer isn't no. It's just not that lender.

"I didn't think I'd get approved."That's what this client said when he first called me.22 years old. Second-year apprent...
14/05/2026

"I didn't think I'd get approved."

That's what this client said when he first called me.

22 years old. Second-year apprentice electrician. Needed a ute for work but had never financed anything before.

No credit history. A modest income. And a dealership that had already turned him down.

Here's what I told him:

"Mate, let me look at the full picture before we write anything off."

His income was consistent. He'd been with the same employer for 18 months. His expenses were low. He just hadn't built a credit profile yet.

The bank saw "no history" and said no.

I found a lender who looks at the full story — not just a credit score. A lender who understood that a stable apprentice with low overheads is actually a solid prospect.

Approved in 48 hours. Drove away in a second-hand HiLux the following week.

His fortnightly repayment? Lower than what his mate pays for a car on some dodgy lease deal.

→ Being young doesn't mean you can't get finance
→ No credit history ≠ bad credit history
→ The right lender for your situation is out there — you just need someone who knows where to look

If you've been told "no" and assumed that was the final answer — DM me. I'll take a look and give you a straight answer. Happy to chat.

Before I send a single application to a lender, I need to understand three things about you.And these are three question...
12/05/2026

Before I send a single application to a lender, I need to understand three things about you.

And these are three questions most people have never been asked.

1️⃣ What does your cash flow actually look like?
2️⃣ How do you use the vehicle?
3️⃣ What's your plan in 3–5 years?

These take about 10 minutes. But they change which lender, which structure, and which loan term actually makes sense for your situation.

That's the difference between just getting a loan... and getting the right loan.

If nobody's ever asked you these three questions, DM me. That's exactly why I do what I do.

"Your last payment is HOW much?"I've seen this reaction more times than I can count. Someone takes out a car loan, pays ...
10/05/2026

"Your last payment is HOW much?"

I've seen this reaction more times than I can count. Someone takes out a car loan, pays their fortnightly amount for 3–5 years, then gets a letter saying they owe $8,000 — $15,000 in a single hit.

That's a balloon payment. And if nobody explained it to you properly at the start, it can feel like a nasty surprise.

Here's what a balloon (or residual) actually is:

It's a lump sum left owing at the end of your loan term. The idea is that by deferring part of the balance, your regular repayments are lower throughout the loan.

Sounds great, right? Lower repayments every fortnight.

But here's what nobody tells you:

→ You're still paying interest on that balloon amount the entire time
→ When the loan ends, you need to deal with it — pay it out, refinance it, or trade the vehicle in
→ If the car's worth less than the balloon, you're in negative equity

It's not necessarily a bad option — but it's only a good option if you go in with a plan.

The questions to ask before you agree to a balloon:
→ What will the car be worth at the end of the term?
→ Can I comfortably pay the balloon out, or will I need to refinance?
→ Am I just kicking the can down the road to get a lower payment now?

This is exactly the kind of thing I walk clients through before we even look at lenders. The structure of your loan matters just as much as the rate.

If you've got a balloon coming due — or you're looking at a loan with one — DM me. Happy to walk you through your options.

Address

Nationwide
Brisbane City, QLD
4000

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+61482092229

Website

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