Personal Car Loans
Finance your dream purchase with competitive rates and flexible terms.
Perfect for:
- Cars & utes
- Boats & jet skis
- Caravans & campers
- Motorbikes and recreational vehicles
We’ll tailor the loan to suit your lifestyle and repayments, so you can enjoy the vehicle without feeling locked in.
Chattel Mortgages
An ideal solution for business owners purchasing vehicles or equipment, with ownership benefits and potential tax advantages.
Commonly used for:
- Work vehicles and fleets
- Tractors and machinery
- Tools and equipment
- Work-related boats and trailers
We’ll help you structure it properly so it supports your business cashflow and future plans.
Novated Leases
A smart and cost-effective option for employees and employers, with potential tax savings through salary-packaged leasing.
Great for:
- Employees wanting to lower vehicle costs
- Employers offering better benefits
- New or used cars (depending on provider policy)
We’ll explain your options clearly and help you decide whether leasing stacks up for you.
Car Buying Service
Want to skip the scrolling, negotiating, and dealership hassle?
Let us help you source the right vehicle or recreational purchase based on your:
- Budget
- Needs
- Style preferences
- Lifestyle goals
From daily drivers to weekend toys, we’ll help you find something that fits.
You bring the dream. We’ll organise the finance.
Whether you’re exploring in a new caravan, riding the waves on a jet ski, or getting back to business with a tractor, we’re here to make the process smooth from start to finish.
Tell us what you’re buying and we’ll help you get it sorted quickly, clearly, and with expert support every step of the way.
Don't take our word for it!
See what our clients have to say about us
Andrea B.
08:53 30 Aug 26
I honestly can’t recommend Rory & Harper from Own Money enough! They made the whole mortgage process so easy and stress free from start to finish.
They were always keeping me updated with what was happening and made sure I understood everything along the way. It was so nice knowing I was in good hands and could trust them to get everything sorted.
The whole process was so smooth and simple, and I really couldn’t have asked for a better experience. I’d 100% go with Rory & Harper again - it would be a no-brainer!
Thanks so much guys! 🙌
They were always keeping me updated with what was happening and made sure I understood everything along the way. It was so nice knowing I was in good hands and could trust them to get everything sorted.
The whole process was so smooth and simple, and I really couldn’t have asked for a better experience. I’d 100% go with Rory & Harper again - it would be a no-brainer!
Thanks so much guys! 🙌
PAUL SIZE
06:11 26 Aug 26
Rory and Harper were phenomenal.
What stood out most was how hard they went to bat for my sons. This was never treated like just another loan application. They genuinely cared about getting the boys into their first home, and whenever hurdles popped up, they kept pushing.
There was real grit and determination behind the scenes to get this loan across the line. Rory and Harper kept working through the issues, chasing what needed to be chased, and finding a way forward when it would have been easy to say it was all getting too hard.
For two young tradies trying to buy their first place, that level of advocacy made a massive difference. They needed people in their corner who knew the system, were ready to fight for the outcome, and wouldn't give up at the first roadblock. That is exactly what Rory and Harper delivered.
As a parent watching it unfold, I was so impressed by their persistence and communication. You could tell they genuinely wanted this outcome for the boys.
Settlement day made all the effort worthwhile. The boys now own their first home, and Rory and Harper played a huge part in making that happen.
A massive thank you to you both. If you want mortgage brokers who do far more than just lodge paperwork—people who will actually back you and problem-solve—I couldn't recommend Rory and Harper highly enough.
Legends. Absolute legends.
What stood out most was how hard they went to bat for my sons. This was never treated like just another loan application. They genuinely cared about getting the boys into their first home, and whenever hurdles popped up, they kept pushing.
There was real grit and determination behind the scenes to get this loan across the line. Rory and Harper kept working through the issues, chasing what needed to be chased, and finding a way forward when it would have been easy to say it was all getting too hard.
For two young tradies trying to buy their first place, that level of advocacy made a massive difference. They needed people in their corner who knew the system, were ready to fight for the outcome, and wouldn't give up at the first roadblock. That is exactly what Rory and Harper delivered.
As a parent watching it unfold, I was so impressed by their persistence and communication. You could tell they genuinely wanted this outcome for the boys.
Settlement day made all the effort worthwhile. The boys now own their first home, and Rory and Harper played a huge part in making that happen.
A massive thank you to you both. If you want mortgage brokers who do far more than just lodge paperwork—people who will actually back you and problem-solve—I couldn't recommend Rory and Harper highly enough.
Legends. Absolute legends.
Tim Ash
03:32 25 Aug 26
Having worked with the Own Money property team in the past I could not recommend them enough. If you need help with an investment property or just advice around property, these guys are fantastic.
Eva Sidhu
03:18 25 Aug 26
Working with the Own Money property team has been a great experience. They really and always put our family first, looking forward to working with them again in the future.
Jason Marsh
08:57 20 Aug 26
Very helpful team that look after everything end to end. Always contactable and available to help. Would recommend if looking for a great deal.
Lauren
01:21 30 Jul 26
Rory and Harper were excellent to deal with. They were responsive, patient and helpful throughout the process. Their communication is excellent. We have already recommended them to friends. Thanks guys!
Koshiro (Moisty Boy)
21:33 17 Jul 26
Absolute legends!! Rory and Harper sorted me out with a refinance in less than 2 weeks and are saving me heaps. Highly recommend!!
Laura Sweetman
21:48 15 Jun 26
Rory Sercombe and the team at Own Money were absolutely fantastic in helping my partner and I secure our first home loan.
As first home buyers, the process felt daunting at times, but Rory was friendly, reassuring, knowledgeable and, above all else, accessible. We always felt supported, informed and confident that we had the right people guiding us through each step.
What really stood out was that Rory’s support went beyond simply securing our home loan. He took the time to explain different banking setup options, provide guidance around the broader buying process, and even coach us on attending auctions. That level of care and experience made such a difference for us.
We truly could not have asked for a better support system while buying our first home. I would highly recommend Rory and his team to anyone who wants to feel like they have a wealth of experience, knowledge and genuine support backing them.
As first home buyers, the process felt daunting at times, but Rory was friendly, reassuring, knowledgeable and, above all else, accessible. We always felt supported, informed and confident that we had the right people guiding us through each step.
What really stood out was that Rory’s support went beyond simply securing our home loan. He took the time to explain different banking setup options, provide guidance around the broader buying process, and even coach us on attending auctions. That level of care and experience made such a difference for us.
We truly could not have asked for a better support system while buying our first home. I would highly recommend Rory and his team to anyone who wants to feel like they have a wealth of experience, knowledge and genuine support backing them.
Bianca Lazov
14:30 13 May 26
A bit of an overdue thank you to the Own Money crew. I was recommended to Rory by a friend and can’t say how grateful I am.
Throughout the long journey to securing a home, Rory was responsive, reliable, and incredibly helpful every step of the way. I asked plenty of questions and everything was explained clearly and with patience.
His communication was excellent — he always kept in touch, checked in regularly, and his genuine approach never went unnoticed.
Even after settlement, the team has continued to check in to see whether there’s anything further they can help with. An amazing level of care and support from Rory, Harper, and the wider team! I will absolutely be using them for future purchases and refinancing.
Throughout the long journey to securing a home, Rory was responsive, reliable, and incredibly helpful every step of the way. I asked plenty of questions and everything was explained clearly and with patience.
His communication was excellent — he always kept in touch, checked in regularly, and his genuine approach never went unnoticed.
Even after settlement, the team has continued to check in to see whether there’s anything further they can help with. An amazing level of care and support from Rory, Harper, and the wider team! I will absolutely be using them for future purchases and refinancing.
Sarah Johnson
05:32 28 Apr 26
Rory, Harper and the whole team are fantastic. We used Own Money to get a mortgage on our first home and Rory answered so many of our silly questions and went back and forth with us multiple times when we changed our budget. He was so helpful we used them again when we sold and bought a new home and have just used Own Money again to refinance. This time Harper looked after us and the whole process was so easy and fast, they looked after everything and broke down all the document requirements so we knew what we’d done and had yet to do. We’ll continue to use the team for future refinances and always recommend them to friends.
Larisa P
08:19 15 Apr 26
Rory and Harper were both incredibly helpful and supportive throughout our entire first home buyer journey. They took the time to answer every question and address every concern we had, making the whole process feel much less overwhelming. We really appreciated their patience, professionalism, and genuine care, highly recommend!
michael williams
01:13 09 Apr 26
We were fortunate enough to have Sandra recommended to us and her professionalism and input was vital in making the purchase of our property successful.
Sandra was clear with her instructions, generous with her time and skilfully designed the best loan arrangement for us.
I would recommend her services to anyone wanting to buy as she made the process efficient and transparent.
Sandra was clear with her instructions, generous with her time and skilfully designed the best loan arrangement for us.
I would recommend her services to anyone wanting to buy as she made the process efficient and transparent.
Anne Marie Riego
01:10 09 Apr 26
We found Sandra to be a very professional, approachable and efficient Broker. She was always readily available for any queries big or small and was very efficient in handling all our questions. We were very happy with her friendly and warm manner and are satisfied with the outcome of our loan and purchasing of our property. We cannot recommend Sandra enough and we will definitely be using her again and again and again!