Frequently Asked Questions

What is Vehicle Broking?

Vehicle broking is a great way of getting the new car you want without the hassle of dealing with car dealers. We are a third party who conducts the negotiations for new vehicles on your behalf to achieve the best result possible.

Why use Capital Finance?

Using Capital Finance Vehicle Broking solutions offers the following benefits:
    • Value for money - the way in which we purchase new vehicles for our customers ensures that the customer always gets value for money.
    • We save you time - buying a new car can easily consume two whole weekends and who knows how long in numerous follow-up calls both to and from dealers. Capital Finance Solutions can organise the entire deal for you with minimal effort or time on your part.
    • We save you from the frustration of dealing with car salespeople – Capital Finance Vehicle Broking Solutions are extremely popular because of the unpleasant experiences many buyers have in dealerships and in particular when they are being "hunted" by sales people trying to achieve their sales targets. We will do all the haggling and talking for you.
    • Expertise - our team have extensive knowledge and experience in the industry which gives us the ability to source the vehicle you want.
    • Commitment - our aim is to exceed the expectations of our customers. Our significant referral base is testament to the fact that we are achieving this.
    • Efficient processes - we have developed systems and procedures to make the process as simple and efficient as possible for our customers.
    • After-sales service - we are there for our customers to assist with any issues they may have following the purchase of their vehicle.

What can Capital Finance do that I can't?

When you go to negotiate your purchase in a dealership you will put your inexperience (usually buying less than 10 new cars in your lifetime) up against someone who sells cars all day, every day. With our extensive involvement in the automotive industry, we give you access to incredible discounts not available to the public by negotiating on your behalf.

How do you get such low prices?

Capital Finance Solutions has developed an extensive purchasing network. We do not favour or have affiliations with any motor dealerships or dealers and this allows us to source our cars anywhere in the marketplace.

Why should I trust Capital Finance Vehicle Broking?

You may be thinking that we are just like the typical car salesmen and out to make as much money as possible at our customer's expense.

With this in mind, Capital Finance encourages you to consider the following facts:
    • It is illegal for Capital Finance to conduct itself deceptively.
    • Dealerships benefit greatly from the enormously expensive advertising and marketing campaigns that car manufacturers fund to publicise their vehicles and "specials" — Capital Finance do not have the dollars to spend on such things. As such, Capital Finance relies heavily on repeat business and "word of mouth" to ensure the success of their businesses which work on low margin/high volume.
    • Capital Finance truly believes the old saying "you only get one chance to make a great first impression" and cannot afford to chance any negative feedback from dissatisfied customers.
    • Our consultants do not tell the dealers what price they need to achieve. Remember that Capital Finance is acting on your behalf and has everything to gain by serving the customer and not the dealer.
    • If you are not happy with the final price Capital Finance get for you, we cannot "make you" buy. We will do everything possible to avoid having you walk away from the deal. The easiest, most profitable and convenient way for us to run our business is to pleasantly surprise the customer and in turn gain your business for life, as well as your friends' custom when they buy a vehicle.

Where does Capital Finance’s responsibility start and end?

Our responsibility is to ensure you get an extremely good price on your new car, and that you are happy with the whole experience. We will help to resolve any potential difficulties you may have with subsequent transactions over the life of the vehicle and we are always very open to your suggestions and feedback. It is our ultimate goal for you to purchase every new car you buy through Capital Finance and for you to recommend us to all your friends and family! If you want to contact us about anything at all, please do not hesitate.

I live in a regional area. Can I still use your service?

Yes you can. Capital Finance can arrange to have your new vehicle delivered to you either through your local dealer or at very reasonable costs.

What's the relationship between the dealer network and Capital Finance Vehicle Broking?

As stated earlier, there is no ongoing financial relationship between Capital Finance and any dealer. We do not favour or have affiliations with any motor dealerships or dealers and this allows us to source our cars anywhere in the marketplace. We select dealers based on price, quality of service, and presentation of vehicles only.

Do I have to see a dealer?

Yes. But only in order to obtain a quotation. We do recommend that you test drive a new car before buying one. Here is some advice for you:
    • As soon as you arrive, you should tell the salesman that you're not buying a car today. You are there only to test drive the car, to find out about its features and to get a quote so that you can get finance approval. The salesman will then know what to expect and will not try to start negotiating.
    • Take note of such things as: engine power, interior space, features and options, seat comfort and colours that you like. This will help you decide if this is the car you want.
    • Be sure to ask about the options available, what they do, and how they work.
    • Be aware of dealer tricks.

Can I research the price on the Internet?

Yes and we would encourage you to do so especially when buying a new car. Almost all manufacturers list their prices on their websites. However you should remember that the prices are always listed excluding government and dealer charges, and excluding "on-the road costs" (because they vary from state to state).

How do you get the "lowest possible price" on a new car?

In order to be able to negotiate on your behalf, you need to provide Capital Finance with a valid written quotation from a car dealer to broker the deal completely.

When you quote on a new vehicle, what does the price you obtain include?

The price we get for you represents every cost incurred for you to take ownership and drive away. Specifically:
    • All stamp duty and other government charges such as registration for 12 months and luxury car tax (if applicable) and GST.
    • All dealer charges, including the fitment/installation of options and accessories specified (where applicable).
    • And, if applicable, delivery of the new car to your address.

If I buy a new car through Capital Finance will my warranty be affected in any way?

Capital Finance only deals with manufacturer approved dealers, and so new car warranty conditions are not affected in any way.

How long before I get my quote?

The process of obtaining the best price for your new vehicle purchase usually takes between 48 to 72 hours depending on the make, model, options and accessories you have specified on your quotation.

In most cases, the quote will be available within 48 hours. We ask you to allow 48 hours before calling or emailing us about it.

How long is the quote valid for?

All dealer quotes are valid for seven days from the time of issue. The price will be presented to you within three business days of your request.

How long before the car is ready?

The typical delivery time for a new car is around two weeks. This would be the same whether you use our service or use a dealer. There are rare occasions where the dealer happens to have the car in stock. Dealers will not, however, hold in-stock cars for you for the seven days. If the quote says the dealer has the car in stock, it means it's in stock right NOW. The stock may be sold at any time.

The process of taking delivery of your vehicle will depend on the availability of the new vehicle you have chosen to purchase.

Where Do I Take Delivery?

Your new car will still be delivered from a dealer in your city. Capital Finance takes care of obtaining the lowest price and ensures that the dealer supplies a car that meets your expectations.

How Much Can I Save?

The average saving we can offer is $29651 on Australia’s most popular small car, the Toyota Corolla. However the amount you will save depends on two things:
    • What price you have already negotiated.
    • What make and model you are looking to buy.
The higher the list price of the car, the more you will save. But there is great variety in each "price class" meaning that some makes are more flexible than others

Some cars are discounted by the dealers by $20,000 and more off the recommended retail price. Even cars costing less than $100,000. Statistics show us that the average saving clients make off their own best negotiated price is $16962.

The discounts available to Capital Finance are not available to the general public and are not paid for by the dealer.

How Much Does It Cost?

The cost for using Capital Finance Vehicle Broking is a nominal fee of $165 (including GST). As we are only interested in gaining satisfied clients we have kept this fee to a minimum. You only pay the fee when you decide to purchase a new vehicle through Capital Finance.

What if I have a trade-in?

As Capital Finance is not a licensed motor dealer we can only offer discounted new car prices to our clients based on an outright purchase. However, we do offer highly competitive finance options in order to help you achieve the best possible savings available to you.
    • The average saving of $2965 is based on the retail price of the last 10 Toyota Corolla Conquest models we negotiated ending on 31/08/2008.
    • Based on statistics obtained by Capital Finance Solutions through conducting its own research. View our privacy policy for further information.


Capital Finance Solutions
PO Box 142
Penrith
NSW 2751
Copyright © 2008. Capital Finance Solutions Pty Limited