Lease
Use the car for a fixed term with predictable repayments; choose to upgrade, extend, or purchase at the end (subject to terms).
Simple online application, fast approvals, and flexible options tailored to you. We compare 30+ lenders so you can buy with confidence.
Our online application takes minutes, and our finance specialists guide you from approval through to settlement. With fast turnaround times and personalised lending solutions, you’ll be on the road sooner than you think.
At Unconditional Finance, we believe the journey to your next car should be as smooth as the drive itself. That’s why our asset finance team handle the details—comparing rates, tailoring terms, and ensuring every step is transparent. With access to over 30 trusted lenders and a commitment to clear communication, we make financing your used car not just faster, but smarter. Because the right finance partner doesn’t just get you approved—it gets you moving with confidence.
Every driver’s situation is unique — whether you want a simple car loan, a lease agreement, or a balloon payment plan, we’ll walk you through the options, explain rates and terms in plain English, and help you decide with confidence.
Use the car for a fixed term with predictable repayments; choose to upgrade, extend, or purchase at the end (subject to terms).
Hire the vehicle while making fixed repayments; ownership transfers to you once the final payment is made.
Salary packaging with repayments made by your employer from pre-tax income — a popular choice for employees.
Own the car from day one while the lender takes a mortgage over it; flexible terms and potential tax benefits for business use.
You’re exploring Used Car Finance — a smart choice for getting behind the wheel with value and flexibility. If you’re also planning to finance another asset — whether it’s a new vehicle, motorbike, caravan, or even business equipment — Unconditional Finance offers tailored lending solutions from over 30 trusted lenders to help you achieve your goals.
Unconditional Finance can connect you with competitive new car loans through our extensive network of trusted lenders. We'll help you secure a loan with the right rate and terms to suit your needs and lifestyle.
There's nothing quite like the freedom of the open road. With our flexible motorbike finance options, you can own your dream bike sooner and enjoy every ride with peace of mind.
Need a vehicle to power your business operations? Our commercial car and truck loans make it easy to upgrade your fleet or expand your capacity with simple, affordable finance options.
Unconditional Finance offers personal loans for a wide range of purposes—from consolidating debt to renovating your home or taking that long-awaited holiday. Whatever your plans, we'll help you find a loan that fits.
Ready to explore the open road? Our caravan loans provide flexible terms and competitive rates, helping you enjoy your next adventure in comfort and style.
Dreaming of life on the water? Unconditional Finance can make that dream a reality with tailored boat loans designed to suit your budget and lifestyle—so you can set sail with confidence.
Expanding your business or upgrading your equipment? Our equipment and machinery finance options help you secure the tools you need to grow your operations and boost productivity.
If your business is experiencing short-term cash flow challenges, Unconditional Finance can help bridge the gap. Our cash flow and business loans provide the working capital you need to keep your operations running smoothly and seize new opportunities.
We compare offers from 30+ trusted lenders to find sharp rates that suit your circumstances and help you save over the life of your loan.
Choose 1–7 year terms. Go faster with higher repayments or keep things comfortable with lower monthly repayments — you’re in control.
Apply online in minutes. We handle the heavy lifting and keep you updated — so you can drive away sooner.
Practical benefits that keep your used car purchase simple, affordable, and transparent.
Used & Private Sales
Finance available for used cars and private purchases of any age.
1–7 Year Terms
Choose a term that fits your budget and ownership goals.
Early Payout Options
Pay off early with low or no exit fees (lender dependent).
30+ Trusted Lenders
Wide lender panel for rates and policies that suit your profile.
Fixed or Variable
Pick the interest structure that matches your risk preference.
Balloon Options
Lower repayments now with an optional residual at the end.
Apply online in minutes and let our experts guide you from approval to settlement.
Asset finance is a flexible way to purchase or lease vehicles and equipment without paying the full amount upfront. You can use the asset immediately while making affordable, structured payments over time — helping you preserve cash flow.
There are several types of asset finance:
• Chattel Mortgage — You own the car from day one while making regular repayments.
• Finance Lease — The lender owns the car, and you lease it for an agreed term.
• Hire Purchase — You hire the car while paying it off; you own it once the final payment is made.
• Novated Lease — Salary packaging where your employer makes repayments from your pre-tax income.
• Drive away sooner without a large upfront payment
• Maintain healthy cash flow
• Potential tax advantages depending on finance type
• Flexible terms tailored to your needs
• Option to own or upgrade your vehicle at the end of the term
Yes — we regularly assist temporary visa holders with car and personal loans. We work with specialist lenders who understand unique circumstances and are open to approving finance for non-residents who meet eligibility criteria.
Your total costs depend on vehicle price, term, interest rate, and any applicable fees. We’re completely transparent — you’ll receive a detailed breakdown of costs and repayment amounts before you commit.
It’s simple:
1) Apply online — takes just a few minutes.
2) Talk to our team — we’ll review your situation and discuss options.
3) Compare lenders — we’ll find the best fit from 30+ providers.
4) Get approved — and drive away in your chosen car!
Consider asking: the best finance option for your situation, any fees or penalties for early payout, impact on long-term costs, and balloon payment options. We’ll explain all of this clearly and honestly.
We offer finance for cars, utes, trucks, and equipment — both new and used. For personal use or business growth, we’ll match you with a lender that fits your needs.
Absolutely. Many clients on temporary visas have successfully financed vehicles through us. If you meet basic requirements like visa duration and income stability, we’ll find the right lender for you.
Experienced professionals delivering strategic lending advice, seamless execution and long-term financial confidence.
Principal Finance Broker
18 Years in the Industry
Founder and award-winning broker specialising in strategic loan structuring for long-term portfolio growth.
Meet Chris
Senior Mortgage Broker
7 Years in the Industry
Portfolio-focused broker helping clients build repeatable, strategic property investment success.
Meet Joel
Operations Manager
16 Years in the Industry
Highly organised finance professional ensuring smooth, efficient progress from submission to settlement.
Meet Stephanie
Credit Analyst / Broker
15 Years in the Industry
Former banker with deep lender process expertise, crafting strong applications for smooth approvals.
Meet William
Credit Analyst
8 Years in the Industry
Strategic analyst with strong banking and broking experience, supporting confident investment decisions.
Meet TJ
Credit Analyst
5 Years in the Industry
Detail-driven analyst focused on compliance, clarity and client-first lending support.
Meet Reece
Settlements Specialist
17 Years in the Industry
Settlement expert known for friendly communication and delivering smooth, stress-free completions.
Meet NicoleA few quick highlights of what we’ve achieved for clients through smart structuring and clear support.
A property investor needed consistent execution across multiple settlements and a long-term lending strategy built for portfolio expansion.
A first home buyer entered the market sooner by using a government-supported pathway and smarter structuring.
A first-time buyer avoided common mistakes through plain-English guidance, proactive updates, and full transparency.
At Unconditional Finance, we’re proud to be a leading mortgage brokerage trusted by thousands across Australia. With over new awards each year recognising our excellence in service and outcomes, we deliver award‑winning mortgage solutions tailored to your needs.
Trusted. Licensed. Awarded.
We don’t just arrange mortgages — we build long-term financial confidence with strategy, clarity, and care.
Proudly accredited by the Mortgage & Finance Association of Australia — a benchmark for professionalism and industry expertise.
Founded by Chris, an award-winning mortgage specialist and seasoned investor, recognised with multiple Top 100 Broker honours.
Over two decades of helping individuals, families, and investors secure finance solutions that support long-term financial success.
Recognised year after year as one of Sydney’s leading mortgage brokers for service excellence and outstanding results.
Fully licensed and registered with ASIC, ensuring compliance, integrity, and expert navigation of lending complexities.
Your aspirations are at the heart of every recommendation we make — your best interests always come first.
It could save you thousands! it’s time to play smart and move fast in the sydney market.
Call unconditional finance now for cost-free professional advice.
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