bluehive financial

03 9836 5200

Home Loans

Property Finance Melbourne

Getting the right home loan is no easy task. There is a lot of choice and lenders are very aggressive in marketing their range of loan products. We believe that a qualified and licensed finance broker is the best person to help you sort through the options and recommend the best product available.

For 15 years the dedicated, knowledgeable, and reliable team of loan brokers and financial professionals at Bluehive have delivered tailored services to our clients. Thanks to our unmatched approach to securing property finance for our clients across Melbourne Bluehive stands out as an industry-leading team of financial professionals.

Not all loans are the same. Factors such as interest rate, fees, product features and structure all vary from lender to lender. We believe that if you choose to deal directly you are putting yourself in a position of disadvantage.

In addition, we will save you time and reduce the stress associated with the complexity of comparing home loans and their features.

Using Bluehive will help you to:

  • Get the best possible deal
  • Remove the stress associated with seeking finance
  • Set up the right loan structure to suit your needs/requirements
  • Understand the whole process from start to finish (communication!)

By taking this comprehensive approach the team at Bluehive endeavour to deliver a property finance experience of the highest quality. To ensure that you receive the right financing for your needs we will conduct extensive interviews of you to understand your current financial situation and your desired property. To make an appointment with our exceptional team feel free to call us today on 03 9836 5200.

 

Commercial Equipment Financing 

Equipment Finance Melbourne

As a general rule, you should always finance your equipment purchase. Preserving capital (cash) is important for all businesses as it keeps your balance sheet strong and healthy. By financing your equipment purchase, you are spreading the cost of the purchase over a period of time and funding the purchase from the future cash flow of your business.

This means that the cost of the equipment has a smaller financial impact on your business at the time of purchase. Further, the interest cost is also a deductible expense for your business which means that you are funding the cost of the purchase from pre-tax revenues.

There are a number of considerations which we look at when determining the type of finance facility which best suits your business. These include:

  • Type of equipment
  • Cost of equipment
  • GST implications
  • Accounting and Tax positioning
  • Ownership desire or preference for upgrading

Once we have established the type of finance facility, we look at the structure of the loan which includes the length of the finance term (generally matching the useful life of the equipment), and the possibility of having a residual/balloon at the end of the term (equity and cash flow consideration). Our experience and understanding of commercial equipment finance will ensure your business secures the best available facility that is tailored to suit your needs.

If you are considering an equipment purchase, simply contact our office to discuss your requirements with one of our consultants. Passionate about delivering an honest and transparent set of services the team at Bluehive can match you with commercial equipment financing that matches your budget and requirements. Call us today on 03 9836 5200 to make an appointment with our friendly team.

Personal Loans

For our consumer clients who are looking to borrow either secured or unsecured funds for the purchase of personal use goods - such as motor vehicles, lifestyle goods, home furniture or even a holiday.

Normally a loan is approved within 2-3 days after an application is submitted with funds available with 3-4 days. At Bluehive, personal loans are easy and our electronic process ensures fast turnaround.

Other Services

Our business has evolved through the establishment of relationships with people of like mind and passion.  Relationships which we have established and maintained are a result of knowing that the people we are dealing with are ethical at all times and can (importantly) back this up with the highest standard of customer service.

Apart from arranging finance for our clients, Bluehive also offers in house services or external consultancy in the following areas:

tick Motor Vehicle Purchasing

If you are looking to purchase a new car, we are able to assist by negotiating with the dealer on your behalf. Not only does this take out the stress of “haggling” with a dealer, we can save you time and money as well. Our association with JIVVE car buying service, provide our clients with exclusive access to a buying service which guarantees the highest level of customer service when it comes to the purchase experience. Our knowledge of the car industry and established relationships with several dealerships means we can ensure our clients are getting the best deal possible.

tick Property Buying Service

If you are inexperienced in property negotiations or simply wish to keep a low profile, then we are here to help. If you have found a property which you would like to purchase, we can represent you as a buyers advocate. This service involves establishing the buying interest held in the property, whilst using careful negotiations to secure the property. Our fee is negotiated upfront and is payable upon a successful purchase.

tick Property Investments

Bluehive has established relationships with two property marketing specialists that provide our clients with exclusive access to a number of property developments, prior to release (pre-release) to the general public. This service is about giving our clients access to the best selection choice within a development. These properties are not marketed through the normal estate agent channel, and they are not advertised for sale to the general public until the pre-releases are fully sold. If you are currently looking at purchasing an investment property (or possibly even for owner occupied use), you should contact us to see what we have available. The majority of these developments are located within 25klms of the CBD.

tick Financial Planning/Superannuation/Insurances

Financial planning is essentially about establishing a suitable investment strategy that will match your level of risk comfort, with a view to positioning yourself to achieve a desired level of financial security at your retirement. Careful tax planning around your investments, superannuation and insurances are carefully considered in this process. If you are interested in seeking financial planning advice, simply give us a call and we will arrange a meeting with our financial planning associate.

tick Accounting Services

Depending on the complexity of your taxation and reporting requirements, we have established relationships with a number of Accounting practices that we can put you in touch with to assist you in this area.

Motor Vehicle Finance

Buying and financing a Motor vehicle

There are a number of ways to finance the purchase of a motor vehicle.  Establishing which method of finance and the structure is an importnat consideration as a motor vehicle is a depreciting asset.  Thanks to our tailored approach and strong industy connections, Bluehive can deliver a superior motor vehicle finance product to their clients.

Commercial or Consumer?

The finance of a motor vehicle will fall under the category of either business/commercial or consumer. To qualify for a commercial facility, the motor vehicle is required to be used predominantly for work purposes/business use. If you are receiving a car allowance or if your Employer or Accountant can provide you a letter to confirm the requirement to use your personal vehicle predominantly for work purposes, then you should qualify for a commercial facility. If you are purchasing a vehicle mainly for personal use we have several options for consumer finance.

Once the above category is established, we will consider the following 6 factors to determine the best finance structure to suit your personal circumstances:

  • How many kilometres you travel per annum on average?
  • How long you intend to keep the car?
  • Are you required to use your car for work purposes?
  • What is the age of the car at the time of purchase (buying new or buying a used car)?
  • What is the estimated value of the vehicle at the end of the finance term (your equity position)?
  • What are the GST and tax implications?

In addition to the finance itself, we offer various insurance and warranty options including extended warranties, gap cover, loan protection insurance, comprehensive insurance and more. Often the premiums can be funded with the initial purchase which is not only convenient but also spreads the cost over the period of ownership. For further information please refer to our Insurance and Warranties page.

Our extensive knowledge of motor vehicle finance will ensure that your loan is tailored to suit your individual requirements. The list of lenders we prefer to deal with include Macquarie Leasing, Commonwealth Bank, Westpac Bank, ANZ Bank, Metro Finance, Pepper Finance, Capital Finance, Liberty Finance and Paramount Leasing. To discuss the benefits of our outstanding car loans, call us on 03 9836 5200.

Commercial Loans

Commercial Loans relate to lending activities that are commercial/business by nature.  Each application is assessed on a case by case basis as are the negotiations around pricing, terms and conditions.  Unlike a residential property loan, commercial/business loans generally cover a maximum term of 15yrs.

There are many different ways in which a commercial facility can be funded and working out the best funding method (or combination of methods) requires careful consideration.

Bluehive has established strong relationships with the major banks (Business Banking) as well as specialist commercial lending institutions.  Our understanding of accounting and the ability to analyse financial statements allows our consultants to assess your proposal, and enter preliminary negotiations with our lenders to establish a level of interest prior to submitting a formal application for approval.

Insurance and Warranties

Bluehive is proud to be partnered with Swann Insurance to offer a great range of insurance and warranty products to accompany the purchase of your vehicle. 

One our our consultants can provide you with more information such as pricing and whether cover may or may not be suitable for you.

 tick Extended Warranty
Extended warranties provide protection in the event of a mechanical failure or defect and the confidence that comes from knowing you're protected long after the manufacturer's original warranty has expired.  pdf Please read the PDS here. (531 KB)
        

tick Tyre & Rim Insurance
Ensure your car or motorcycle remains on the road by providing protection against tyre punctures/damage or any wheel rim becoming cracked, warped or misshapen, subject to policy benefit limits. 24hr road assistance is also available.  pdf Please read the PDS here. (131 KB)

tick Gapcover Insurance
Provides protection in the event your vehicle is deemed a total loss through theft, fire or accident by your comprehensive insurer, by insuring the gap between the total loss settlement paid and the finance payout, subject to policy limits.   pdf Please read the PDS here. (65 KB)

 

tick Loan Protection Insurance
Loan Protection Insurance products provide protection for your loan obligations when unexpected life events arise, subject to policy benefit limits. The events can include death, disablement and involuntary unemployment.  pdf Please read the PDS here. (180 KB)

tick Motor Vehicle Insurance
Cover for vehicles accidentally damaged, stolen or burnt anywhere in Australia. Protection for claims made against you resulting from damage caused to someone else's property of up to $20 million, plus a range of additional benefits.  pdf Please read the PDS here. (150 KB)

 

tick Purchase Price Protection
Protection if your motor vehicle is deemed a total loss through theft, fire or accident by your comprehensive insurer, by insuring the difference between the total loss settlement and the original purchase price, subject to policy benefit limits.   archive Please read the PDS here.

tick Rider Protection Plus
Cover for the rider of any motorcycle, on or off road, where in the unfortunate event of a motorcycle accident that results in hospitalisation or death, the full policy benefits are paid.  pdf Please read the PDS here. (284 KB)

 

 

 

The product or products on this website are insured or issued by Swann Insurance (Aust) Pty Ltd ABN 80 000 886 680 AFS Licence No. 238292 (Swann). This website may contain general financial product advice which does not take into account your personal financial circumstances.

Please consider the relevant Product Disclosure Statement available on our website before making a decision about an insurance product featured on the website. These PDSs are the current versions of the products featured. If you have already obtained insurance provided by Swann, please refer to the PDS that was issued to you at the time of purchase as the benefits, exclusions and level of cover may have changed.