Frequently asked questions

Yes. If you are considering a 4WD for touring, work or recreation, send us the details and we can discuss potential finance options.

A broker reviews the details you entered in the client portal and contacts you to discuss the vehicle or build, your needs and possible next steps. No credit check is run at the quick quote stage.

No. A quick quote is simply the first conversation. Any finance application is subject to lender criteria, assessment, fees, terms and conditions.

No. We are based in Canberra and work with customers anywhere in Australia by phone, email and video. Documents are signed electronically and settlement happens directly between the lender and the seller or workshop.

There is no charge for a quick quote or an initial conversation. We are paid a commission by the lender when a loan settles, and we disclose this in writing before you sign anything. Our Credit Guide sets out the maximum origination fee we may charge if a loan proceeds; any fee payable by you is confirmed in writing before you commit.

Depending on your circumstances and the proposed purchase, options may be available for touring setups, accessories and fit-outs. Some lenders allow accessories and workshop invoices to be included with the vehicle purchase; others prefer a separate loan. We will explain what applies to you.

Often, yes. Where the vehicle is already paid off, or where the existing lender allows it, we can look at separate finance for the build. Where the work needs engineering certification we will factor that into the timing.

We can help. Conversions are a specialist purchase and lenders want to see a clear quote and, where applicable, the certification pathway. Our ACT workshop partner American Builds is AMW4x4-certified for engine conversions, so this is familiar ground.

Yes. Silverado, RAM and other full-size trucks, including remanufactured right-hand-drive vehicles, are a core part of what we do. Lenders vary in how they treat these vehicles and we know which ones are comfortable with them.

Many lenders finance private sales. Expect a few extra checks around the seller, the vehicle's ownership and any existing finance on it, which we handle as part of the application.

Yes, from compact off-road campers to full-size caravans, new or used.

Usually identification, recent bank statements, proof of income (payslips, or tax returns and BAS if you are self-employed) and details of the vehicle and any build quotes. Requirements vary by lender and we will confirm the exact list once we know which lender suits you. See our How it works page for the full checklist.

It depends on the lender and how complete the application is. A clear application with vehicle and build details ready moves fastest. Missing documents are the most common cause of delay. We will give you a realistic expectation once your lender is chosen.

A balloon is a lump sum left to pay at the end of the loan term. It lowers the regular repayment but increases the total cost, and you need a plan for paying it, refinancing it or selling the vehicle when it falls due. Our repayment estimator lets you test the effect.

Not at the quick quote stage. A credit check is only run when you decide to proceed with an application to a lender, and we will tell you before that happens.

If the vehicle will be used predominantly for business, a chattel mortgage or similar structure may suit you, and there may be GST and depreciation implications. We will explain the options, but you should confirm the tax treatment with your accountant.

Adventure Builds Finance is a trading name of MONT Investment Group Pty Ltd, a Canberra-based business. It is run by Omar Tarek, who holds a Certificate IV in Finance and Mortgage Broking and is a member of the Finance Brokers Association of Australia.

Yes. We operate as a credit representative (Credit Representative Number 581283) of AFAS Group Pty Ltd, Australian Credit Licence 414426. These details appear in the footer of every page and in our Credit Guide, which is available on request.

No. We finance vehicles and builds from any dealer, manufacturer or workshop in Australia. Our partners are workshops we know and trust, but your quote can come from anywhere.

A workshop we have a working relationship with. Partners are listed by state, can introduce the finance conversation when they quote a build, we understand their work, and the lender pays them directly at settlement. See the Workshop partners page for the current list.