FINANCE

At the Berwick Motor Group we not only have the best range of new and quality used vehicles but we can also help with all your finance needs.

When it comes to purchasing a new or pre-owned car from the Berwick Motor Group, our Business Managers have access to a range of finance options to match your needs and assist finance your ideal vehicle.

By taking advantage of financing with the Berwick Motor Group, you will often find that selecting a model that is a higher specification becomes more affordable, so you can ensure that you’re always getting more for your money. Our team of sales experts will guide you through the application process from beginning to end, and will detail the various purchasing schemes that are available. In fact, there are many advantages to working with the Berwick Motor Group when purchasing your vehicle through financing:

• Tailored: From consumer finance to commercial leasing, our sales advisors will be able to tailor a purchasing scheme that suits you.
• Fast: Applications will be processed on the spot, with approvals often provided the same day.
• Convenient: Our sales teams are located in our dealerships, meaning you will be able to make arrangements to buy instantly

Want to learn more about the financing options for your next vehicle? Get in touch with the team at the Berwick Motor Group today.

Berwick Motor Group Services Include:

• Personal Finance.
• Commercial Lending
• Motor Vehicle Insurance
• Novated leases and salary packaging solutions.

Consumer Fixed Rate Car Loan

With so many new and used cars out there, it's not easy to find the right one for your needs. Luckily, car finance is a lot easier with our Consumer Fixed Rate Loan. Our car loan is a flexible way to get into the car you want - today.
Features include:

• The security of a fixed interest rate for the term of the car loan.
• A choice of car loan terms, ranging from 1-7 years*.
• Your choice of flexible payment options.
• Financing all makes and models.
• Flexible deposits with no minimum or maximum requirements.
• The ability to make extra repayments.
• The option to include a balloon final payment, which reduces monthly repayments.
• Extra costs can be included in the amount financed, including on-roads, stamp duty, insurance, warranty and roadside assistance and CTP (where applicable)%.
• Always know exactly how much you have to pay, making budgeting easier.
• Borrow from as little as $10,000

Commercial Lending

We have access to a number of finance products for businesses and our Business Manager will work with you to find the best finance structure to suit your needs and use of the vehicle.

Novated Lease

Novated Lease, a tax effective way to drive a new car.

A Novated Lease provides a convenient and flexible way to make your vehicle payments directly out of your monthly salary.
When you novate, you enter into a three-way agreement with your employer and Berwick Motor Group Finance, where your employer takes responsibility for the lease on your behalf. Your employer pays the monthly car lease payments, and provides the vehicle for you to use as part of your salary packaging arrangement.

A Novated Lease offers:

• The potential to save at tax time, where payments can be either a mix of pre and post salary reductions or entirely by way of pre tax salary reduction potentially reducing your taxable income.
• Control and flexibility with a choice of any vehicle. We can finance any vehicle to suit your lifestyle.
• Convenient and cashless motoring with all vehicle running costs, i.e. fuel and servicing to be included as part of the lease.

Novated Lease For Employees:

• Fixed payments for the term of the Novated Lease.
• A choice of car lease terms from 1-5 years.
• The potential to access vehicle discounts through BMG Fleet Management.
• Certain extra costs can be included in the amount financed, including on-roads costs including stamp duty, registration and CTP (where applicable)%.

Novated Lease For Employers:

• Access to discounts on servicing and maintenance when vehicle running costs are managed by BMG Fleet Management.
• No residual risk, as the residual value obligations always remain with the employee.
• "Off the balance sheet" accounting for the employer.
• Employers don't get lumbered with excess vehicles if an employee leaves as they take the vehicle with them.
• The ability to offer a more attractive salary package and attract employees.
• Reduced admin time and costs in comparison to company cars.
• We can arrange Novated Leases for your employees, saving you time and money.

If the employee changes their employment during the term of the Novated Lease, payment obligations are transferred to the employee. The employee may, however, be able to novate the lease to their new employer or take over the full repayments by refinancing under an alternative finance contract with us or another financier. This means an employer won't be left with unwanted vehicles if an employee moves on.