We'll help you avoid a lemon and choose car finance that factors in your needs and situation. Our expert team will guide you through the process and help you get approved for your new set of wheels!
Exceptional choice
With access to a range of first and tier lenders, we can help you find a competitive loan.
Legwork done for you
We'll guide you through the process and liaise with the car yard or car broker on your behalf.
If you want to use your car predominantly for business purposes, and wish to ultimately own your vehicle at the end of the agreement term, Commercial Hire Purchase may be the right solution for you.
The Commercial Hire Purchase (CHP) agreement is simply a contract where the financier (the ‘owner’) allows you (the ‘hirer’) the right to possess and use a car or other vehicle in return for regular payments. A balloon payment (a final payment made at the end of the term – ideally this payment should be no more that the estimated value of the car at that time) is optional with a hire purchase agreement.
Upon completion of the Commercial Hire Purchase agreement, and following your final payment, full vehicle ownership is transferred to you.
Once you have decided on the vehicle of your choice, we can help you determine the most suitable term, taking into account the monthly sum you are planning to pay.
Monthly payments are then set for the entire contract term, giving you a reliable figure to plan your business spending, and structure your budget for the period of the agreement. To reduce your monthly commitment you can either opt for a longer term or incorporate a balloon payment at the end of your contract. Upon completion of the Commercial Hire Purchase agreement, and following your final payment, full vehicle ownership is transferred to you.
We are here to help, every day
We understand you to help navigate through changes in your circumstances. Our services are designed to offer a holistic and objective solution, with a complete focus on your needs.
Trustindex verifies that the original source of the review is Google.
I have worked with the team for a few months now.Absolutely great team to work with! Guided me with the best available options in the market.
Harry Verma
2022-02-17
Trustindex verifies that the original source of the review is Google.
Many thanks to the Team at Finance and Mortgage Solutions which helped me to secure my bank loan without any fuss. Their fully secured digital technology made every part of the loan process very easy and hassle free.
Manasi Thompson-Milne
2022-02-14
Trustindex verifies that the original source of the review is Google.
Madhu, Arnab and team have helped us with refinancing our mortgage with so much ease. They understood our concerns and were able to tailor a solution that was ideal for our situation. They kept us upto date at all times and were able to quickly resolve any problems that arose. Their wealth of knowledge across mortgages as well as finance overall has been immensely valuable. Anyone looking for advise and tailored solutions especially families, new migrants or someone who’s just confused with the options available should give this team a call.
Ajit Singh
2022-02-08
Trustindex verifies that the original source of the review is Google.
I joined as a mentee under Madhu Chaudhuri from Finance and Mortgage Solutions in 2017, and worked under her supervision till March 2021. I have learnt Residential and Commercial lending while being mentored by her.
Now I am running my own Mortgage broking business successfully since I April 2021.
The weekly classes and networking sessions run by Finance and Mortgage solutions were quite helpful to keep me updated with latest policies of the Finance Industry.
I want to express my gratefulness that I had an opportunity to work and learn working with Madhu Chaudhari. She is an amazing mentor who has made a substantial change in my career over the past few years. She fully understands the needs and inspires new brokers to bring out best in them.
She has tons of experience & immense knowledge in the finance & mortgage industry.
Vidya Rajaram
2022-01-30
Trustindex verifies that the original source of the review is Google.
It’s been a pleasure working with Madhu. She carefully analysed our situation and looked into all areas of our outgoings and ensured we maximised our savings to be able to save for our future.
She is really patient and her advice on various fronts of our finance structure helped us immensely. She is a walking encyclopaedia of all things finance.
Definitely will recommend her to everyone who needs a great adviser... She has certainly made a friend for a lifetime...
Rupayan Chowdhury
2022-01-25
Trustindex verifies that the original source of the review is Google.
As a first home buyer, I was really facing so much issues. The advice, support and service Finance and Mortgage Solution that are giving me are simply amazing. I highly recommend FMS for mortgage related consultancy.
Ramprasad Krishnaswamy
2022-01-24
Trustindex verifies that the original source of the review is Google.
Madhu was my mentor for 2 years from November 2016 to June 2018. She was available during working hours for any questions and she believes in helping her mentees to learn by working through scenarios and arriving at the approriate solutions. My skills in developing appropriate scenarios to the unique financial situation of a customer were enhanced during the mentorship. How to talk to the assessors and how to approach a BDM for a solution were skills that were honed during this period.Finally pitching the loan to the customer and compliance training were addressed in great detail. Madhu is very helpful and extremely knowledgeable. I would recommend her anytime as a mentor for any person wishing to become a Broker.
Yuva Raj
2022-01-13
Trustindex verifies that the original source of the review is Google.
Madhu and team are thorough professionals and am really happy with the advise they provided to make informed decisions.
I have gone again with Madhu for the construction loan. She was able to secure us an excellent deal after going through with several lenders. Appreciate thier customers first approach and commitment. Thanks a lot again.
Dheerajkumar KR
2021-11-18
Trustindex verifies that the original source of the review is Google.
I cant recommend much more than this. Well organised, good follow up, great mentorship and guidance throughout. Recommends based on our specific needs and answers to all our questions patiently and responsibly!
Sunny Puri
2021-11-01
Trustindex verifies that the original source of the review is Google.
I recently got a home loan approved from Finance & Mortgage Solutions. I cannot thank them enough for their help excellent service and highly recommend especially Madhu and Arnab without them it wouldn't have been possible . Thanks 👍.
