How does an Autopia chattel mortgage work?

The ‘right’ car depends on you. It could be the most economical, the best off-road or simply the car you’ve always wanted. We know the pros and cons of every car out there so whatever you’re looking for, we can help you make up your mind.

Next you’ll see what that car is going to be worth in the future, helping you make the most informed vehicle purchase decision you’ve ever made in your life.

We’ll help you decide whether the car should be in your name, or the company’s name, whether you place a deposit, and what size the balloon should be at the end of the term. 
All of these elements can be fine-tuned to suit your requirements, and maximise your tax savings beyond all possible doubt.

This is where we source your car, deal with the dealers and negotiate on your behalf. Our purchasing power ensures we’ll receive a better price than you’ll get on your own, and there’s no more traipsing around showrooms talking to salesmen on your weekends. All you have to do is turn up for the test drive, and enjoy.

Finally we’ll process the finance and pay for the vehicle. Just let us know if you’d like to pick the car up, or have it delivered to your door.

We forecast all the running costs of your car, for as long as you plan to hold onto it. That includes fuel, finance, insurance, servicing & maintenance… everything. Then we wrap it all into one set monthly cost, invoiced to you at the same time every month.

We take care of all the paperwork, collect your receipts and provide you with all the details you need at end of financial year to maximise your tax deductions and pay the least amount of tax possible. We also manage the cash flow so that you don’t have to. Remember when registration, CTP and comprehensive insurance used to hit you all at the same time? Never again. We track all of this and send you a report every month, so you can see how it’s all going.

If anything happens on the road, you’re in safe hands with our roadside assistance and accident management service. And if a service provider tries to overdo a repair, our ‘service check’ program ensures a team of mechanics steps in to protect you, so there’s total peace of mind.

You’ll receive fleet discounts on servicing, tyres, batteries, windscreens & repairs. And remember you won’t be putting your hand in your pocket for these expenses, it’s one set monthly cost, for everything.

At the end of the term, we’ll help you decide whether to replace or refinance your car. If you decide to sell, we can give you a free market appraisal, and buy the car from you if you like.

If you want us to buy your car, we can pick it up from you at work, or at home. Just let us know, and we’ll drop your new car off at the same time – with a full tank of petrol, easy!