- Client
- Self-employed sole trader (accountant referral)
- Focus
- Asset & vehicle finance
- Need
- Reliable work vehicle
The Objective
A sole trader, referred to us by his accountant, needed a reliable work ute. His old one kept breaking down, and for someone whose income depends on turning up, that unreliability was starting to cost him real money. He came in looking at a used ute around $35,000, assuming that was the cheaper path.
The Challenge
For a sole trader, the ute isn’t transport — it’s essential business equipment, and every breakdown put work and income at risk. There was a catch in his plan, too: asset finance pricing shifts with the age of the vehicle, so a cheaper used purchase didn’t automatically mean the cheaper finance outcome.
What We Did Differently
Instead of just arranging finance on the $35,000 used ute he’d picked, we looked at the vehicle and the finance together. Through our relationships in the motor industry, we sourced a new 4x4 work ute, fully fitted out for his needs and backed by factory warranty. Then we structured the asset finance so that — despite stepping up to a newer, better-equipped vehicle — his repayments came in lower than they would have on the used-ute option.
The Result
He drove away in a more reliable, better-equipped vehicle for less per month than the used one would have cost — and, most importantly, could keep working without the disruption. For a sole trader, the finance wasn’t really about a newer car; it was about keeping the business running and food on the table. It broadens what our clients see from us beyond home lending — the same thinking behind our investment refinance story, applied to a tradie’s work vehicle.
Need a reliable work vehicle?
The right vehicle and finance structure together can beat a cheaper used purchase.
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