Headland Financial
Services · Car & personal loans

For the car, the boat, and everything in between.

Once we've sorted your home loan, we can help with the rest of life's bigger purchases — quietly, at competitive rates, and without the dealership runaround.

What we do

The dealership isn't your only option.


Dealer finance is convenient, but it's almost never the best deal. We can usually beat the dealer rate by a meaningful margin — and we'll have it approved before you walk in, so you can negotiate the car price separately from the finance.

Beyond cars: we arrange asset finance for boats, motorbikes, caravans, and equipment finance for business owners. Same considered approach as our home loans, scaled to the asset.

How it works

From first conversation to done.


Step 1

Quick assessment

A short conversation about the purchase, your budget, and the timeline. We'll let you know what's possible in 24 hours.

Step 2

Pre-approval

Get approved before you set foot in a dealership. You'll negotiate from a position of strength and pay only for the car.

Step 3

Settlement

We coordinate with the dealer or seller and make sure funds land on the day you take delivery.

Who it suits

Personal and asset finance, done quietly.

If you'd rather not deal with the dealership, we've got it covered.

  • New and used car finance
  • Boat, motorbike, and caravan loans
  • Novated leases through your employer
  • Equipment and asset finance for business owners
  • Personal loans for renovations, weddings, or consolidation
  • Pre-approval before you start shopping
Talk it through

Every scenario is different. Send us a quick enquiry and we'll tell you straight whether we can help — and how.

What's included

A quick assessment of your borrowing position. Comparison across asset finance lenders and personal-loan providers. Full application and settlement coordination. Pre-approval letters where helpful.


Next step

Ready when you are.

Send us an enquiry. Tell us about your situation and we'll be in touch within one business day — with zero obligation.

"I had a rate from the dealer at 9.5%. Headland came back with 6.2% the next morning. Easy decision."

Recent client · Manly