Full Doc Loan

Full Doc Loans give our customers the ability to source larger approval limits of up to 2 million.

Customers certainly have more finance options available with Full Doc Loans and generally a larger offering of lenders.

As a general rule, customers can get the lowest interest rates with Full Doc Loans.

Requirements are previous two years’ accountant prepared financials and submitted tax returns, in some cases ATO portals and BAS statements may be required.

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Pantech Truck

Benefits of Full Doc Loans

  • Yes! That’s right, No deposit needed!

  • Term of a lease can be from 12 months to 60 months.

  • The interest is set at a fixed rate.

  • The ownership of the asset will be transferred when the final payment or the residual payment is made.

  • Payments can be made weekly, monthly.

  • There must be residual payment at the end of the term.

  • The asset if financed 100%.

  • The full payment can be claimed as a tax deduction.

  • The lender claims the GST on the purchase.

  • The customer can claim the GST in the weekly/monthly payments and the residual.

  • The ATO guidelines govern the residual amounts and terms of the Finance Lease.

  • Finance Leases are looked at as off-balance sheet lending.

  • 100% of the payments can be claimed as a deduction.

  • The residual can be paid out by the customer at the end of the term, or it can be refinanced into another loan. Alternatively, the residual could be paid out at the dealer when upgrading to a newer model.

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“Yes” Product Range

Chattel Mortgages
Finance Lease
Low Doc Loans
Full Doc Loans
Rent-to-own
Sale/Lease Back
Invoice/Debtor financing
Business Loans

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