Discover why Elite Finance should always be your first point of contact for all things finance.
Elite Finance is one of Australia's leading fresh faces on the asset finance scene. We have helped many borrowers get a better deal on their new or existing loan. What sets us apart is our ability to understand the specific needs of our customers then work with lenders to get the ideal solution. This means looking beyond just getting a great rate, but also finding a loan that delivers the features and flexibility to suit your situation now and in the future.
Once a solution has been found, we will be there every step of the way to ensure the application process is as simple as possible, liaising with the lenders on your behalf and helping you make sense of what can be a complex, and sometimes stressful, experience.
If you are needing help with a loan, get in touch today. We are standing by, ready to assist.
Had a great smooth process with Raf. He took his time to explain everything to me that I was unsure of and kept me updated throughout the whole process. His customer service met my expectations very well and got back to me very quickly. I will definitely keep him in mind for future enquiries. Thanks Raf!
Liana Zammit, Facebook February 2020
I was recently introduced to Raf, being an Accountant myself, we come across many Asset Finance Brokers. I referred Raf to one of my clients and the deal went through without a hitch within 1-2 days. It was a great experience and Raf handled everything from his end and got a great result for my client. Both my client and I were very happy with Raf and Elite Finance. I will be sure to recommend Raf and his services to my clients moving forward when the opportunity presents. Great work RAF!!!
Warren Parker, Facebook February 2020
Big shout out to Raf for helping me out with my first car purchase. My first car was on the verge of breaking down and I was about to go on a cross country road trip. I am quite a quick decision maker however Raf made sure I was educated through the whole process and ensured that I thought everything through before making my decision. He was attentive and gave me updates every step of the way. I was able to get my car within a week which was a lot earlier than expected. If you need the guidance and support when buying a car, Raf is 110% your guy! Now with my new car, I can generate income from my catering business on the side.
Bettina Torrijos, Facebook October 2019
I'm glad to say that Raf and his team at Elite Finance are awesome to deal with and I had the utmost pleasure getting my loan approved. The whole process was stress free. Raf went to great lengths to make sure I am happy and understood everything that I needed to know. Rafael Protacio was very meticulous in his work and paid attention to every detail.
Robert Au, Facebook January 2020
If you've never worked with a finance broker before, it's very likely you will have some questions about the service we offer and how our customers can benefit. Check out some of our more frequently asked questions below before getting in touch.
Using our knowledge and experience, we help find our customers the ideal loan for their situation. This involves searching through thousands of different loan options and identifying which ones are right for our customers needs now, and in the future.
With so many lenders and loans to choose one, we have access to some of Australia's most competitive rates. To find out if you can be getting a better deal on your loan, get in touch with us today. Our team will schedule a free, no-obligation consultation where we can discover what rate you're eligible for.
If done incorrectly yes it will lower your credit score. A good way to protect your credit score is to have your finance application reviewed by an experienced finance broker who should be able do the shopping for you, achieve your desired results, for you and protect your credit score.
A simple reason for this is that with asset finance, there is commonly more risk involved. For example, a piece of machinery can be damaged, stolen or have a mechanical failure – rendering the equipment completely unusable. The same risks do not apply for homes.
This would depend on your situation but the short answer for most common people is no. If you were to redraw your hard earned equity from your home to pay for a car, you might get a lower rate but you would be paying the equity back over the life of the mortgage which could be up to 30 years, instead of a car loan which is typically 5 to 7 years. The longer loan term can see people paying back a much higher interest component if they are not making advanced payments on their mortgage – let’s face it, most say they will, but they typically don’t.