03 9429 3000

Revamped 2018 Ford Mustang

mustang

Now with a 10-speed automatic, revised styling, more power and a nastier exhaust note, the new Ford Mustang is tougher than it was.

Louder, prouder – Ford has updated their V8 Mustang, introducing a host of changes for 2018 that improve the appeal of its coveted muscle car. Already the most popular sports vehicle on sale in Australia, the midlife facelift uncovers more speed, dynamics, tech and safety.

First up, appearance. The new model boasts a reshaped bonnet and has gained some air vents. There’s a 60mm broader grille, plus countersunk ‘eagle eye’ all-LED headlights. The remodelling in the rear is subtler: techier-looking LED taillights and quad exhaust tips. Less muscle car, more motorsport effect, then, but from the rear this is a tougher looking car.

The interior of the Mustang has never been built to high-street opulence, it’s materialistically modest and has been built-to-cost since the 1960s. This helped it retain its nice level of American-tinged kitsch, rather than a premium Euro-look. One noticeable upgrade is the all-digital 12-inch digital instrument cluster with countless personalisation menus. The modest 8-inch centre touchscreen has been upgraded to Sync3 software with Apple CarPlay and Android Auto, while a reversing camera and sat-nav are both standard.

This new GT absolutely roars because, according to Ford, customer feedback made it clear the outgoing V8 was way too quiet. But quiet can be cool. The adaptive exhaust’s Good Neighbour mode allows you to electronically preselect time-of-day parameters for the Mustang so it starts up in Quiet mode rather than the already-bellowing Normal setting.

The 2018 Mustang starts from $66,259 plus on-road costs, and despite the price hike with the new model, it still represents eyebrow raising bang-for-your-buck. The range includes the Mustang GT Fastback auto, GT Fastback manual and the top-end GT Convertible auto.

GT fastback features

Limited Edition Ford Mustang Bullitt

Ford Australia has confirmed that 700 units of the limited-edition Mustang Bullitt will be coming to Australia in October.

Built to celebrate the 50th anniversary of the Steve McQueen film Bullitt (famed for its epic 10min car chase that stars a 1968 Mustang GT 390 fastback tearing up the streets of San Francisco), the Bullitt Special Edition will be offered in a new one-off colour; a Dark Highland Green that matches the tone of the movie car.

The new version is distinguished by Bullitt badging, a darkened front grille, gloss-black 19-inch ‘Torq Thrust’ wheels and a beefed-up version of the Mustang’s 5.0-litre V8 engine. While in the cabin, Recaro seats, a badge bearing your unique chassis number and a new B&O 1000-watt sound system with 12 speakers also join the standard features list.=

Time for a new set of wheels?

If you are interested in learning more about the new 2018 Ford Mustang, or any other vehicles, the team at Melbourne Finance have extensive experience in negotiating, procuring vehicles across Australia.

Speak to one of Melbourne Finance’s expert Consultants for an obligation-free quote.

SUMMARY OF POLICY
Our business is committed to excellent customer service and the resolution of any concerns or complaints quickly, fairly and efficiently. To ensure our scheme is compliant with ASIC requirements we use an IDR process that has been vetted by relevant industry bodies (FBAA, MFAA, & CAFBA).

  • – We welcome complaints as a positive means of reviewing and improving our customer services. All complainants will be treated with respect, courtesy, and consideration.
  • – Our internal dispute resolution scheme is open to anyone who deals with us: customers, dealers, lenders, other brokers or consultants, contractors, or any other person.
  • – All representatives are expected to inform complainants about our IDR/EDR processes as soon as they become aware of a concern, to give high priority to resolving complaints quickly and to assist any complainant through the process.
  • – The Responsible Manager will manage complaints.
  • – Our Internal Dispute Resolution Manual complies with ASIC’s requirements and details how we manage and report complaints.
  • – We are a member of the Australian Financial Complaints Authority (AFCA) Member # 14925 External Dispute Resolution (EDR) Scheme, as approved by ASIC. We accept EDR scheme decisions and implement their recommendations as soon as we are informed of them.
  • – The Responsible Manager holds information on complaint statistics and any associated compliance breaches.
  • – We will report to ASIC annually any compliance breaches indicated through the complaints process and the policies and procedures subsequently implemented to ensure there is no re-occurrence.

COMPLIMENTS AND COMPLAINTS
At Melbourne Finance Broking Pty Ltd “MFB”, we always work hard to build strong and lasting relationships with our valued customers. By listening to your feedback, not only can we address any immediate concerns you may have, we will also continually improve our products and services.

We know there are times when you may wish to compliment us on something we have done well and other times when you may wish to tell us we have not met your expectations.

Compliments
Our representatives are always delighted to know that they have succeeded in making your experience a pleasant and successful one.

If one of our representatives has provided you with exceptional service in any way, please let us know using the details below, so that we can further encourage them via this feedback process.

Concerns & Complaints
If, for any reason, you do not feel that you have received the highest standard of care from us, we likewise encourage you to share this with us. We have developed a process that we believe makes it easy for you to tell us of your concerns and for them to be addressed quickly and fairly.

You can contact us by whichever of the following means best suits you:

  • – by telephone on 03 9429 3000
  • – via email at [email protected] or
  • – by post at
    Customer Service Team
    1 Elgin Place
    Hawthorn Vic 3122

If you choose to contact us by mail or email, please make sure you provide as much detail as possible about your complaint.

How It Works

  1. You should gather any supporting documents or records with broker name, other names, times, and dates that will assist our investigation into your complaint.
  2. Get in touch to let us know about your complaint and how would like it resolved. The quickest way is to call or email your personal broker representative or our complaints handling officer as detailed above.
  3. We will acknowledge your complaint, give you a reference number and the name and contact details of the person who will handle the complaint.
  4. We will do what we can to remedy your problem, making sure it does not occur again for you and let you know once we have a resolution.

 

How Long Will It Take?
We will try to deal with your complaint on the spot or within days.

However, if this is not possible, we will write to you to acknowledge your complaint within 5 days. We will ensure we treat you fairly and will work to resolve your complaint as soon as possible. In the rare event we are still investigating your complaint after 30 days we will write to you to explain why and to let you know when we expect to have completed our investigation. When we have completed our investigation, we will write to let you know the outcome and the reasons for our decision.

Need An Update On Your Complaint?
If you have lodged a complaint with us, you can contact us any time to ask for an update on its status. Contact us through any of the methods listed above and be sure to refer to your earlier communication so that we can respond effectively.

Taking It Further- If you’re unhappy with the resolution
We hope that you will be satisfied with how we deal with your complaint. However, if your concerns remain unresolved, or you have not heard from us within 30 days, then you can have your complaint heard by an external independent party, the Australian Finance Complaints Authority (AFCA).

Our AFCA Membership Number is: #14925
You can contact AFCA at:

  • – by telephone on 1800 931 678 (free call)
  • – via email at [email protected] or website at www.afca.org.au
  • – by post at
    Australian Financial Complaints Authority
    GPO Box 3,
    Melbourne VIC 3001

External dispute resolution is a free service established to provide you with an independent mechanism to resolve specific disputes.

INTERNAL DISPUTE RESOLUTION (IDR) PROCEDURE POLICY
IDR Information

We believe that it is essential for our customers to be able to identify and deal with a senior and responsible person who has the ability, authority, and proper training to hear and respond appropriately to any complaint or dispute. It is a requirement under the National Consumer Protection Act 2009 that we have in place an Internal Dispute Resolution Procedures (IDR) that comply with the standards and requirements made and approved by ASIC RG271 (September 2021) and that cover disputes in relation to the credit activities engaged in by us and our credit representatives.

Receiving Complaints

Complaints can be lodged by contacting the Disputes Officers by:

  • – by telephone on 03 9429 3000
  • – via email at [email protected] or
  • – by post at
    Customer Service Team
    1 Elgin Place
    Hawthorn Vic 3122

or by speaking to any representative of our business who will refer complainants to the complaints/ Disputes Officer/s.

We adopt the definition of “‘complaint” in AS ISO 10002-2006, namely “ an expression of dissatisfaction made to an organisation, related to its products or services, or the complaints handling process itself, where a response or resolution is explicitly or implicitly expected”. This means we will treat informal complaints seriously and refer them to IDR unless they are resolved by the end of the next business day. Any complaint which is resolved to the customer’s satisfaction by the end of the next business day (starting from when the complaint was received) will not require the full IDR process to be applied. There is no need to capture and record the complaint or respond as set out below.

Investigating Complaints

The Complaints/Disputes Officer will review the complaint carefully and promptly, taking such steps and reviewing such documents as a reasonable person would do.

Responding to complaints within appropriate time limits and referring unresolved Complaints to an EDR scheme

The Complaints/Dispute Officer will provide a written final response to the complainant within 30 days (21 days where the complaint relates to default), which states:

  • – the final outcome of the dispute at IDR
  • – the right to take their dispute to EDR (no matter what the result of the investigation was at IDR)
  • – the name and contact details of our EDR scheme.

If the Complaints/Dispute Officer is unable to give a final response within the specified period, the Complaints Dispute Officer will, before the end of the period:

  • – inform the complainant of the reasons for the delay
  • – advise the complainant of their right to complain to EDR
  • – provide the complainant with the name and contact details of our EDR scheme.

The complainant can go direct to EDR regarding disputes involving hardship or postponement which also involve issues with default notices.

Legal Proceedings

Unless the statute of limitations is about to expire, legal proceedings will not be commenced or continued nor will any other enforcement action be taken during the IDR period and for at least 14 days from giving a final response.

RECORDING COMPLAINTS, IDENTIFYING & RECORDING SYSTEMIC ISSUES

We will record information in the following tabular form, this is held within our directory:

National Consumer Credit Protection\Internal Dispute Resolution

"PDFA-Internal-Dispute-Resolution-table/
Please ensure you follow process and procedures.

If the complaint discloses a systemic issue, the Complaints/Dispute Officer /Responsible Manager will immediately bring the matter to the attention of the Manager Compliance or Managing Director.

If a complaint is justified, the Complaints/Dispute Officer will recommend a solution comprising one or more of the following:

  • – an apology
  • – compensation
  • – vary contractual obligations
  • – a free service

Internal structures and reporting requirements
The Complaints/Dispute Officer reports directly to the business owners. The Complaints Dispute Officer will make a written report annually as a minimum. The Complaints Dispute Officer will ensure that these procedures are reviewed at least annually and a report on the review provided to the business owners.

Guiding Principles

  • Visibility – We will take reasonable steps to ensure customers know about the existence of our IDR procedures and how to make a complaint or apply for hardship or postponement. This information will be readily available, not just at the time a consumer wishes to make a complaint or dispute. All staff who deal with customers, not just complaints or disputes handling staff only, should have an understanding of our IDR procedures.
  • Objectivity – We will address each complaint in an equitable and objective manner. Where possible, the complaint should be investigated by staff not involved in the subject matter of the complaint.
  • Charges – The IDR procedures are free of charge.
  • Confidentiality – We will keep information confidential.
  • Customer focused approach – We will be helpful, user friendly and communicate in plain English, showing our commitment to resolving complaints.
  • Commitment – We are actively committed to efficient complaint handling. Our Procedures are published on our website.
  • Analysis and Evaluation of Complaints – All complaints will be classified and then analysed to identify systemic recurring and single incident problems and trends.

VISIBILITY OF IDR POLICY
Melbourne Finance will ensure that the IDR process is recorded on our Website (www.melbournefinance.com.au) We will also ensure that any Credit Representative’s (CRs) document and provide these details to their clients.

Their disclosure documents will be required to detail that they:

  • – Are a Credit Representative of Melbourne Finance or an employee;
  • – That they abide by the Internal Dispute Resolution Procedures of Platform Direct Finance;
  • – Melbourne Finance – Australian Credit Licence Number #387036.
  • – The Credit Representatives (CR) Number
  • – The Credit Representatives AFCA Membership Number

Receiving complaints
You can lodge complaints by contacting the representative acting for you or the Complaints Dispute Officer by:

  • – by telephone on 03 9429 3000
  • – via email at [email protected] or
  • – by post at
    Customer Service Team
    1 Elgin Place
    Hawthorn Vic 3122

You should explain the details of your complaint as clearly as you can. You may do this verbally or in writing.

When we receive a complaint, we will attempt to resolve it promptly. We hope that in this way we will stop any unnecessary and inappropriate escalation of minor complaints.

We will observe the following principles in handling your complaint:

  1. 1. there is no requirement for face-to-face contact between you and us, although it may be useful for us to come to a satisfactory resolution;
  2. 2. we expect that both parties will make a genuine attempt to resolve a complaint promptly;
  3. 3. we expect that both parties will provide all essential and relevant information, documents, written statements, and any other materials that may properly and reasonably be believed to assist in resolving the complaint;
  4. 4. we expect that both parties will comply with all reasonable requests from the other party to provide information within a reasonable time frame.

 

Our external dispute resolution scheme
If we do not reach agreement on your complaint, you may refer the complaint to the ASIC Approved External Dispute Resolution (EDR) Scheme, AFCA (Australia Financial Complaints Authority).

Phone 1800 931 678 or www.afca.org.au

External dispute resolution is a free service established to provide you with an independent mechanism to resolve specific complaints.

Toyota HiLux range gets a revamp

A new lease on life for Australia’s best-selling vehicle range

A favourite of tradies, families and fleet buyers alike, the revamped Toyota HiLux range is ready to hit the streets. With 10 new auto variants available, here are just some of the reasons it might be high time to consider a HiLux.

10 new variants

Sales records have proven the HiLux a reliable best-seller for years now and with the removal of V6 petrol variants and the addition of 10 new ones to fill the gap, Toyota is hoping to continue the trend. According to Toyota Australia’s Executive Director of Sales and Marketing, Tony Cramb, the changes are designed to strengthen the sales potential of HiLux and are “the result of detailed analysis of buyer trends and feedback from dealers over the past two years”.

Autos and two-wheel-drive

According to Toyota, HiLux drivers want three things – diesel, auto transmission and two-wheel drive. So they’re giving the people what they want. To meet demand, the new range includes 17 self-shifters, up from 12 previously, along with 2 new two-wheel-drive Hi-Riders, growing the range from 3 models to 5. An affordable option for buyers who don’t need full-on off-road capability but want the looks and superior ground clearance of a HiLux 4×4, they’re sure to be top-sellers.

SR changes

SR buyers have also been vocal about what they want in a set of wheels, and it doesn’t include carpet. Hard wearing, durable PVC floor coverings are now standard in all models, and the SR extra cab-chassis in manual also makes a reappearance, along with a newly added automatic version.

There’s something for everyone

All in all, there are still 31 HiLux variants on the market, including 23 genuine one-tonners. Fuel economy varies from 7.1 to 7.7 litres per 100 kilometres for manuals and 8.3 to 8.5 per 100 kilometres for 6 speed autos. And a further benefit for the budget conscious, the entire new range is covered by Toyota Service Advantage capped-price servicing, ensuring a flat $180 per service for petrol and $240 per service for diesel.

Time for a new set of wheels?

With the new line now on sale, there’s never been a better time to consider a HiLux. Get in touch and our expert team can help you find the right deal at the right price, without the dramas of a dealership.

Couple on vacation hiking with a backpack in forest. Walking the way up to the mountain. Austrian Alps. Wearing warm clothes and enjoying in beautiful nature. Winter day.

Our top 10 day trip destinations for a weekend drive

Want to escape the hustle and bustle of the city but don’t have the time or money to organise an expensive weekend away? Don’t worry – we’ve got you covered.

Here’s our list of top day trips on Australia’s east coast that will fulfil your sense of adventure without making you stray too far from home.

Victoria

The Macedon Ranges

Take in the tranquility of the rolling hills and sleepy rural villages of the Macedon Ranges, less than an hour north-west of Melbourne. Drive down tree-lined streets, stopping in at one of the many art galleries in the area. The Convent Gallery in Daylesford houses a number of exhibitions year-round. Pack a picnic lunch and enjoy the spectacular view at iconic Hanging Rock, made famous by the film and novel Picnic at Hanging Rock.

The Black Spur Drive

 Passing between Healesville and Marysville north-east of Melbourne, the Black Spur Drive twists and turns its way through lush rainforests. Wind down the windows and savour the fresh air of the Australian bush as you pass the towering trees and ferns around you. On your way home, hop on the historic Yarra Valley Railway or visit the Healesville Sanctuary wildlife park to cap off a fun-filled day.

Lorne

Overlooking Louttit Bay on the Great Ocean Road, the town of Lorne is the perfect seaside destination for those looking for white sandy beaches and ocean views. Enjoy your day by the sea at the Pitstop Lorne, as you lunch while watching the waves crash against the beach before you. Fishing enthusiasts should head down to the Lorne Pier, a local favourite for catching trevally, barracuda, and whiting. If you have time, the bush trek to nearby Erskine Falls is a challenging but rewarding journey.

Phillip Island

Just off Australia’s southern coast, Phillip Island is a favourite destination for those looking to get out of the busy city for the day. Spend the morning strolling The Nobbies boardwalk along the rugged coastline for some impressive ocean views. Then venture down to Seal Rocks for a chance to view one of Australia’s largest colonies of fur seals. Later, join the hundreds of visitors who flock each evening to watch the penguins as they return home at sunset.

New South Wales

Berrima

 Situated in the Southern Highlands, this quaint village is the perfect place for a stroll among historical buildings that are now home to charming galleries and shops. Explore the gardens of the commanding Harper’s Mansion and get lost in its impressive hedge maze. Later, treat yourself to dinner at the award-winning Eschalot. Or, for a more relaxed pub experience, Australia’s oldest continually licensed inn, the Surveyor General Inn, also offers a great feed.

The Hunter Valley

A mecca for food and wine lovers, the Hunter Valley, north of Sydney, is a haven of vineyards, farmers’ markets, and gourmet restaurants. Hire a bicycle and tour the many cellar doors and wineries at your leisure or head over to Wollombi and take a guided tour of the area’s Indigenous rock paintings. At sunset, soar over the countryside in a hot-air balloon for a magical moment that you won’t soon forget.

The Grand Pacific Drive

For stunning coastal vistas, it’s hard to go past this gorgeous drive south of Sydney. Take in the stunning views as you weave your way down the coastline dotted with hidden beaches and picturesque seaside villages. One of the many highlights is the Sea Cliff Bridge that dramatically sweeps over the Pacific Ocean. End the day with sunset at Kiama’s famous blowhole for a truly memorable experience.

Kangaroo Valley

Enjoy a day full of adventuring, from kayaking to wine tasting, at Kangaroo Valley, only a two-hour drive from both Sydney and Canberra. Stop into the famous Kangaroo Valley Pie Shop for lunch (we love the steak and mushroom!) or, for something sweet, try the Kangaroo Valley Fudge House & Ice Creamery down the road. If you still have time to spare, venture north to visit the spectacular Fitzroy Falls.

Queensland

 Mount Warning

 If you’re a bit of an early bird, why not be one of the first to see the day’s sunrise at the top of Mount Warning, a two-hour drive south of Brisbane. The 8.8km return hike through the rainforest to the summit opens up to breathtaking views of the valley and coastline below. It’s a must for anyone who loves the outdoors. For a less strenuous affair, take the Lyrebird track through tropical surroundings and pack a lunch to enjoy at the Korrumbyn Creek Picnic Area.

Noosaville

Just north of Noosa Heads, this sunny stretch of sand along the Noosa River has been dubbed by locals ‘The Golden Mile’. With an abundance of grassy picnic areas, playgrounds, and eateries, it makes for a terrific family day trip. Bring your bikes and cycle along the foreshore or rent a paddleboard or kayak for some fun in the water. Later, grab some fish and chips, sit under a tree, and enjoy the peaceful river views before you.