1800 199 302
Real Estate Agent Car Finance — Finance That Understands Commission Income
Car finance for real estate agents, mortgage brokers, and commission-based self-employed Australians. No payslips. No tax returns.
GET A FREE QUOTE CALL 1800 199 302
Commission income and car finance — why banks get it wrong
As a real estate agent, you’re not paid a salary. Your income comes in when settlements happen — sometimes in large chunks, sometimes in quieter months, always variable on a fortnight-to-fortnight basis.
Banks default to a fortnightly payslip assessment. When that’s missing, they struggle. They either decline outright or send you through a six-week documentation process that asks you to prove income they don’t really know how to verify.
CarFund is a specialist self-employed finance broker. We arrange car finance for commission-based ABN holders — real estate agents, mortgage brokers, insurance advisers, financial planners, and anyone else whose income arrives as commissions, fees, or business income rather than a regular salary.
For loans under $150,000, we do not require tax returns. In most cases, your ABN, a signed income declaration, and your credit profile is all we work with.
Why a good car matters — and why it should be easy to finance
In real estate, your vehicle is part of your professional image. You drive clients to inspections, appraisals, and auctions. You cover large geographic territories every week. The vehicle you drive is visible to clients in a way that doesn’t apply to most other professions.
Getting that vehicle financed shouldn’t take three weeks and a stack of documents. CarFund approves in 24 hours and settles within days.
What we finance for real estate professionals
- Prestige and executive vehicles (BMW, Mercedes-Benz, Audi, Lexus, Volvo)
- SUVs and large wagons for client transport
- Utes and dual-cab vehicles for property managers covering large areas
- Any business-use vehicle up to $150,000 without tax returns — higher amounts with income verification
New or used, dealer or private sale, anywhere in Australia.
The finance structure
A chattel mortgage is available to any ABN holder whose vehicle is used predominantly for business.
For a real estate agent, this typically means:
- GST on the purchase price claimed at next BAS (if GST-registered)
- Interest repayments fully tax deductible
- Depreciation on business-use proportion claimable
- Balloon payment available to reduce monthly outgoings
If your vehicle is used for a mix of work and personal driving, the chattel mortgage still applies for the business-use proportion — your accountant advises on the split. For vehicles used primarily personally, a consumer car loan is the right product and CarFund will advise accordingly.
How commission income is assessed
Without tax returns, lenders assess commission-based borrowers on:
ABN history — length and continuity of registration
Asset position — property ownership is the strongest factor; property-owning applicants can access pre-approval up to $250,000 with zero documentation
Credit profile — repayment history and existing facilities
Signed income declaration — a short statement confirming your income level, on a form we provide
You don’t need to produce commission statements, trust account records, or evidence of specific sales. The assessment is based on your profile as a business operator, not a line-by-line income audit.
Our process
1 — Quote (5 minutes): Call 1800 199 302 or complete our online form. Response within 30 minutes, 7 days.
2 — Application (10 minutes): One short form — no tax returns for loans under $150,000.
3 — Approval (24 hours): Submitted to specialist lenders including Macquarie Bank and Capital Finance.
4 — Settlement (2–3 business days): We pay the dealer or seller directly.
Frequently Asked Questions
Can I get car finance as a real estate agent if I’m brand new to the industry?
A shorter work history makes approval more dependent on your asset position and credit profile. Speak to us directly — we’ll give you an honest assessment before anything formal is submitted.
Can I finance a prestige vehicle for business use?
Yes. Prestige vehicles are assessed on their value and your borrower profile. Loan amounts above $150,000 require some income verification — typically bank statements rather than full tax returns.
Can I finance through my real estate agency company rather than personally?
Yes — we arrange finance in company and trust names as well as personal names. Confirm with your accountant which structure is most appropriate.
What if my commission income varies significantly year to year?
This is common in real estate and is not automatically a problem. Your asset position and longer-term ABN history carry significant weight in the assessment.
Does a quote affect my credit score?
No — zero impact until you formally proceed.
Get your quote today
CarFund arranges car finance for real estate agents and commission earners across Australia, entirely online and by phone. If you’ve been frustrated by bank processes that don’t understand how your income works — we do.
No payslips. No tax returns. Approval in 24 hours.
FREE QUOTE → | Call 1800 199 302 — 7 days a week
CarFund.com.au | Self-employed car finance specialists — 20+ years