Finance Tailored To Suit Your Needs
At Top Pocket Finance we provide each customer with carefully crafted loan advice to fit their individual requirements. We are committed to putting in the time needed to help you achieve your goals.
Debt Consolidation
Debt consolidation personal loan
A consolidation loan rolls all your debts in to the one manageable repayment, which could help you break free from the debt spiral.
Debt consolidation home loan
Package all of your existing debts such as credit cards and personal loans under your mortgage allows you to repay in one simple low rate repayment.
Home and Property Loans
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.
Equipment Finance
Agriculture Equipment
There’s a great deal of importance around the productivity of farming, which is why finance for this equipment is crucial for a successful farmer
- Tractors
- Harvesters
- Trucks
- Cotton pickers
- Fruit picking and grading equipment
- Spraying equipment
- Irrigation equipment
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
Personal Loans
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
Cars and Vehicles
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
Green Loans
If you are interested in switching to solar, it is a great step towards saving money on electricity bills while at the same time lowering your carbon footprint.
Green loans are available to fund the purchase of approved solar power systems, solar water tanks, energy-efficient air conditioning units, solar pool heating units, energy-efficient lighting and other households improvements designed to achieve economic and environmental savings.
- Solar Finance
- Green Home
Self-managed Super Fund
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.
Marine Finance
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
Equine Finance
Ensure the safe transportation of your horse by financing the safest and most comfortable equipment on the market.
- Horse trucks
- Straight load floats
- Extended load floats
- Angle load floats
- Gooseneck floats
- Custom-built horse floats.