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Getting a quote for Finance is easy with Chadstone Mitsubishi.
Simply complete the form below and we will contact you to discuss all of the finance options available to you for purchasing your next vehicle.
With our panel of lenders, we are sure to have a package to suit everyone's needs, whether your a private customer, small business or even a large company with many vehicles, we are sure to have a package to suit your needs.
We can tailor a package for everyones budget requirements. We are here to make your new vehicle purchase as hassle free as possible
A Fixed Rate Loan (Consumer Finance) is to be used where a customer (individual) purchases a motor vehicle predominantly (more than 50%) for personal, domestic or household use. Fixed Rate Loan must comply with the Uniform Consumer Credit Code (UCCC) and is therefore a Regulated Loan Contract.
Commercial Hire Purchase assists your customer to acquire a motor vehicle where the title to the vehicle passes to the customer on payment for the goods when the agreement expires. The customer can make periodic payments over the term of the agreement with or without a balloon payment at the end of the term. The customer is able to claim both the interest content of the repayments and the depreciation on the vehicle as a tax deduction where it is being used to generate assessable income.
A Chattel Mortgage can provide your customer with an alternative method of funding for vehicles. It is designed to optimise cash flow while minimising the impact of GST. A Chattel Mortgage enables the customer to purchase the goods they need and acquire immediate ownership of the asset so that they can get on with their daytoday business without significant impact on their working capital. The Chattel Mortgage Facility contains a Fixed Rate Loan Facility and a Mortgage within one document. The borrower owns the chattel in question and grants St.George a legal mortgage over the Chattel. For the mortgage to create an effective security, stamp duty and registration need to be considered.
Novated leases are designed for employees who wish to lease a motor vehicle as part of the remuneration package they have negotiated with their employer. Prior to entering into the Novation Agreement, St.George enters into a Lease Agreement under which the employee agrees to lease the vehicle from St.George on the terms and conditions set out in that agreement. The acceptance of this transaction must meet all St.George's normal lending criteria. Upon the signing of the Novation Agreement by the employer, the original Lease Agreement between the employee and the financier ends and two concurrent leases come into effect:
Lease between the Financier and the Employer and Lease between the Employee and Financier
From the date of the Novation Agreement under the first lease, certain of the employee's rights and obligations under the original lease such as the payment obligation are novated to the employer. Under the second lease the employee retains certain obligations such as liability for the Residual Value. Should the employee leave his or her current employment, the employer must send to the owner (St.George) a notice of termination. Upon the employer giving this notice, the two concurrent leases are terminated and a third lease similar in terms to the original lease comes into effect between St.George and the employee. This type of arrangement is referred to as a full split novation.
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