Contact - Top Pocket Finance

First Home Buyer
Buying your first property can be a daunting experience but finding the right finance doesn’t have to be.

Refinance
Refinancing can be greatly beneficial to your existing mortgage and financial situation.

Land and Construction
The three most common processes for construction and vacant land loans include:
Buying off the plan
Buying a house and land package
Buying land and building a property

Investment property
Cash flow and capital growth play a huge part when purchasing an investment property.

Self-Managed Super Fund (SMSF)
Purchasing a property through a SMSF can provide an opportunity to grow significant wealth for retirement. One of the advantages of having a SMSF is utilising a member’s superannuation to acquire a property that can then be leased back to the member’s business.

Home Equity
If you’ve owned your home for a few years, there’s a good chance you’ve built up some reasonable equity, and this can be a valuable resource when it comes to property investment.

The information within this tab: A Limited Recourse Borrowing Arrangement (LRBA) is a financial arrangement which enables a Self-Managed Super Fund (SMSF) to purchase a property with borrowed money. This can be residential or commercial property. So to do this, a separate trust entity called a Bare Trust is set up to legally own the property on behalf of the SMSF. Purchasing a property through a SMSF can provide an opportunity to grow significant wealth for retirement. One of the advantages of having a SMSF is utilising a member’s superannuation to acquire a property that can then be leased back to the member’s business.

Vehicle finance can be arranged for Cars, 4WD’s, Motorbikes, Caravan’s, Camper Trailers, Trucks and Utes for either personal or business use.

By taking out finance for your next vehicle you could reduce your overall cash outlay to use on other things (that well deserved holiday perhaps). If you’re a business, financing a vehicle may improve your cashflow and potentially allow you to claim a tax deduction (please seek advice from your Accountant).

Cars
Utes
Motorbikes
Trucks
4WD’s
Caravan’s
Motorhomes

Tailor-made marine finance options for new and used boats, Jetski’s, yachts and commercial fishing vessels for personal or business use, through private sellers, dealers or auctioneers, anywhere in Australia.

Please keep in mind that asset finance is largely a ‘risk-based lending system’, meaning that the rate offered to each customer is based on each individuals lending profile, circumstances and the asset they are looking to purchase.

Boats
Jet Ski’s
Trailers
Yachts

Be it unforeseen car repairs, your dream wedding coming up, an overseas holiday you’ve been talking about for a while, or you may want to revamp your kitchen, sometimes you need a little extra cash.

The right personal loan will depend greatly on your previous credit history, the reason for obtaining the loan, your capacity to make repayments and your asset position.

Home Improvements
Home furnishings
Holiday and Travel
Medical bills
Consolidate personal debt
Gap finance
Study

Earthmoving Equipment
Acquire the latest machinery in order to increase productivity and improve profits without the need of capital to purchase the item.

Bulldozers
Excavators
Loaders
Dump Trucks and Fuel Trucks
Cranes
Forklifts
Bobcats

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