Welcome to Forever Funding
At Forever Funding we strive for simple finance solutions, tailored to your needs. Whether you are looking for car or equipment finance, we can get the best rates for you.
Choosing forever funding is a no-brainer.
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We’re faster, simpler & hassle-free.
At Forever Funding we pride ourselves on delivering unparalleled efficiency without compromising on ease and convenience. Navigate your financial endeavours with confidence, knowing that we're dedicated to making your experience faster, simpler, and truly hassle-free.
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We work for you, not the lender.
With a commitment to prioritizing your best interests in every financial decision, we exclusively focus on securing favourable outcomes for you. From personalized solutions to unbiased advice, we ensure that your financial journey is transparent and tailored to your needs, placing your goals at the forefront of our partnership.
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NO paperwork, apply online in the comfort of your own home.
Say goodbye to paperwork hassles and embrace a seamless online experience for your financial solutions. Our user-friendly platform ensures convenience and confidentiality, representing the future of finance where technology meets convenience.
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Our team provide expert advice.
Rely on our expert team for empowering financial advice. With extensive experience and current market insights, our dedicated professionals understand your unique goals. Whether it's investments, retirement planning, or any financial endeavor, our team is your trusted partner, providing confidence and guidance with your best interests at heart.
So discover why we’re the best choice for loans.
Experience the ease and convenience of borrowing with us.
Benefit from our competitive interest rates and flexible repayment options, streamlined for your financial circumstances. Our experienced loan advisors work closely with you through a personalized approach, aligning solutions with your goals and budget. The streamlined application process ensures quick approvals and timely disbursements, prioritizing your financial needs every step of the way with transparency.
Personal Loans
With access to over 30 lenders, our clients benefit from our ability to provide not only low rates, but to transact quickly at a time when applications are becoming more and more difficult. Whether you’re a first home buyer, refinancing an existing property, or borrowing to invest, our unrivalled level of customer service ensures a smooth and supported journey through this important transaction.
Car & Equipment Loans
Our Asset Finance division offers you a broad range of simple and flexible asset finance solutions. We have competitive rates that are matched to your circumstances and we cater to a range of borrowers across multiple asset types including motor vehicles, motorcycles, commercial equipment and yellow goods. A flexible approach to all our lending and leasing means you can enjoy an easy and straightforward finance experience.
The application process.
Initial conversation
Discuss your situation, needs & objectives.
This is the first contact you will have with your mortgage broker. We use this stage to discuss your situation, your needs and objectives behind getting a home loan.
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Returning application & documents
We require supporting documents for an accurate assessment.
Once you have agreed to use us as your broker, we will ask you to complete our Fact find. We will also require supporting documents such as your ID, pay slips and bank statements. By giving us all supporting documents in one go, it allows us to give you a quick and accurate assessment.
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Preliminary assessment
We identify any possible problems from a lending point of view.
After we have your application and supporting documents, we’re able to complete a preliminary assessment of your situation. The preliminary assessment is a very detailed process where we identify any possible problems from a lending point of view. We will also calculate your borrowing capacity or borrowing power. Our brokers will then assess which lenders can assist and compare the most suitable loans at the lowest interest rates. After the preliminary assessment, the broker will present two or three loan recommendations for you to choose from.
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Submit to a lender
We then prepare to submit your application to the lender.
Once you have chosen the most suitable loan for you, we’ll then prepare to submit your application to the lender. We will ask you to provide any final documents and to sign the lender’s privacy form. While we wait for these documents, we prepare your application and upload it into the lender’s system or application portal. We highlight the strengths of your application and present it so it suits the way that the particular lender will assess the loan. Once we have everything we need, we click submit on the lender’s system and email your supporting documents to the lender.
Read MoreHear it from our happy customers.
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“Quick and easy...”
I've trusted Ben to organise several loans in the past 3 years and he always went the extra yards to make sure it was a quick and easy process. I have recommended him to all of my friends who were looking for loans and will continue to do so.
Blake Springs -
“Consistently professional...”
Ben, you have assisted me three times now over the past couple of years and as such you have been consistently professional and a pleasure to do business with. I have no hesitation in recommending your services. I wish you every success for the future.
Cherlly Wellham -
“Personalised touch...”
The one aspect that stood out for me was Ben's personalised approach. Whether it was explaining the differences between lender products to working hard to get me the best deal, Ben was always there to provide a high level of service. He kept me in the loop throughout the process and was available to answer questions as they came up.
Bronson Harrison -
“Saving over $1000...”
My wife and I were looking to refinance from our current lender to one offering a more competitive rate. Ben not only gave us great advice on how to structure the loan, but also secured us a new home loan with a monthly saving of over $1000. To say we were happy is an understatement. We would gladly recommend Ben and the Forever Funding team for any of your upcoming financial needs.
Craig De Carle
Where did it all start?
A retired professional rugby league player with a successful 14-year career playing at the highest level in the Australian NRL and English super league.
At Forever Funding we have a passion for finance, which means that we provide our customers with nothing but the highest quality of service and strive to deliver the best finance solutions to our clients.
“As an elite sports person who has achieved the highest professional standards personally and within a team, having demonstrated a consistent strong work ethic and determination to achieve, I have implemented these skills into my business, Forever Funding Pty Ltd.
I started my journey in finance consulting in 2013, for one of Sydney’s largest asset finance companies. With a few years of experience and gaining finance knowledge, I decided to go out on my own to better service my client’s individual needs.”
Contact us today.
Simply fill in your personal information and our experts will get back to you ASAP.
Always get the lowest interest rates with our selection of over 40 lenders.
Frequently asked questions.
If you can’t find your answer below, contact us and speak to one of our experts!
What is a personal loan?
A personal loan is an unsecured loan obtained without collateral, primarily based on the borrower's creditworthiness and income. It's used for various purposes, with borrowers receiving a lump sum and repaying it in fixed monthly installments over a set term, typically one to seven years. Interest rates vary based on factors like the lender and the borrower's credit score. Personal loans are versatile but should be chosen carefully to match one's financial needs and circumstances.
How much can I borrow with a personal loan?
The amount you can borrow with a personal loan varies depending on factors like your creditworthiness, income, and the lender's policies. Generally, personal loans range from a few hundred dollars to several thousand dollars, with some lenders, like Forever Funding, offering higher amounts for well-qualified borrowers. To determine your specific borrowing limit, you'll need to apply with a lender, such as Forever Funding, and undergo a credit evaluation. Lenders like Forever Funding assess your credit score, income, and existing debts to decide the maximum amount they're willing to lend you. It's essential to borrow responsibly, taking into account your financial needs and your ability to comfortably repay the loan, regardless of the lender you choose.
How is the interest rate for a personal loan determined?
Several factors influence personal loan interest rates:
- Credit Score : Your credit score is crucial; higher scores often mean lower interest rates.
- Loan Amount and Term : Larger amounts and longer terms can lead to slightly higher rates.
- Income and Employment : Stable income and employment history can improve your rate.
- Debt-to-Income Ratio (DTI): Lower DTI ratios are preferred, showing more disposable income for payments.
- Lender's Policies : Different lenders may offer varying rates based on their policies.
- Market Conditions : Economic conditions and central bank rates can impact loan rates.
- Loan Type : Secured loans tend to have lower rates than unsecured ones.
- Borrower-Lender Relationship : Existing customers might get loyalty-based lower rates.
What is a car or equipment loan?
Otherwise known as a consumer loan or a car loan, you’ll essentially borrow the money from the lender who will then hold security over the vehicle. This can be an advantage to you as you’ll often get a lower interest rate.
Can I use a car or equipment loan for a used vehicle or equipment?
You’ll take ownership at the time of purchase and the lender takes an interest in the vehicle as security for the loan. Once your contract is completed, you’ll own the vehicle outright. If you’re unable to make your repayments, then the lender may be able to repossess your car. If you’re using your car for business purposes more than 50% of the time, then a commercial business loan like a chattel mortgage might suit you better.
How long is the loan term for car and equipment loans?
The loan term for car and equipment loans at Forever Funding can extend for up to 7 years, but the specific duration depends on the age of the asset being financed. This flexible approach allows us to cater to various financing needs and ensures that your loan term aligns with the expected lifespan and value retention of the asset. Whether you're seeking a shorter or longer repayment period, our expert financing team can work with you to customize the loan terms, making sure your financial goals and budget are accommodated while you secure the car or equipment you need.
We service Australia-wide!
Contact us today to find the best loan for you.
