CUSTOMER MORTGAGE

We realise that everyone's lifestyle and financial situation is different. That's why we offer a range of personal financial solutions to suit all types of individuals, all types of cash flows and all types of lifestyle requirements.

With our highly popular Consumer Mortgage Plan, you can include all on-road, registration and insurance costs into your finance package (first year only), as well as reduce your monthly payments by structuring the last payment as a much larger balloon payment. Then, at the end of the term you own the vehicle outright.

We can also organise convenient and easy repayments by way of monthly, fortnightly or weekly direct debit. Just nominate whichever suits best!

Contact us today for a competitive quote on your Consumer Mortgage Policy.

>> consumermortgage@iwm.com.au

NOVATED LEASES

A Novated Lease is a finance arrangement whereby an employee leases the vehicle from one of Ian Weigh’s Financial Services, however, the employer assumes the obligation to make the lease payments for the term of the lease as part of an employee's salary package.

For the first year, the lease can be structured to include all on-road, registration and insurance costs (including Toyota Extra Care products and scheduled services), and may constitute a very tax effective means of employee remuneration.

The employee is responsible for the running costs of the vehicle which may also be a tax effective means for the employee. On termination of employment the employee assumes the full liability for lease payments however, by agreement, may novate the lease to their new employer.

>> novatedlease@iwm.com.au

COMMERCIAL LEASE & COMMERCIAL LOAN
We also offer different finance options for commercial lending

LEASING

Finance company takes ownership of the vehicle. Business pays equal rentals (these can be monthly, quarterly, half yearly or yearly) with a residual. This is calculated on a % of the leased figure and must be in accordance with current taxation guidelines. Lease can be taken over 12, 24, 36, 48 or 60 months. At the end of the term of the lease your options are to trade the vehicle in (which should payout the residual), re-lease the residual or pay the residual outright.

>> commlease@iwm.com.au

COMMERCIAL LOAN

Business owns the vehicle it therefore becomes an asset. Finance company takes a mortgage over the vehicle. Commercial Loans can be set up over 12, 24, 36, 48 or 60 months. Payments can be made in advance or arrears, these can be monthly, quarterly, half yearly or yearly. You have the choice to make equal payments over the term of the loan with no balloon payment or reduce the payments with a balloon payment. At the end of the term you can either pay the balloon out and the loan is finalised, re-finance the balloon payment or trade the vehicle and update.

>> commloan@iwm.com.au

Please always consult your financial advisor as to which is the best option for you and your business