Vertex Lab carries 180+ new and pre-owned vehicles across sedans, SUVs, utes, and commercial vans — all with full PPSR clearance and odometer certification. Finance pre-approval takes under four hours, and most cars leave our lot within the same week.
From ANCAP safety ratings to compression test results — we put the data on the table so you can compare, not guess.
We run a Personal Property Securities Register check on every vehicle before it enters inventory — if there's a finance encumbrance, stolen-vehicle flag, or write-off record, the car doesn't make it to the floor.
Our in-house technicians check compression ratios, brake pad depth, suspension geometry, CVT fluid condition, and 115 other data points — the full inspection report comes with every vehicle file.
We work with a panel of eight credit providers — including specialist lenders for self-employed buyers and ABN holders — so we can structure a comparison rate that actually reflects your situation.
Every pre-owned vehicle comes with a certified odometer declaration lodged with NSW Fair Trading, giving you legal recourse if the reading is later found to be tampered.
We appraise trade-ins against current Glass's Guide and RedBook wholesale benchmarks, not gut feel — you get a written offer valid for seven days whether or not you buy from us.
Before you commit, we run a same-day CTP greenslip estimate and connect you with three brokers for comprehensive cover — so the total cost of ownership is clear, not just the sticker price.
Once finance settles and transfer papers are lodged with Service NSW, our logistics team can have the vehicle at your door anywhere within the Greater Sydney basin — typically within three to five business days.
All pre-owned vehicles under 160,000 km qualify for the NSW statutory warranty covering engine, transmission, and drive-axle components — no third-party warranty product required on eligible stock.
Real transactions, real outcomes — so you know what to expect before you walk in.
Private BuyerA buyer came to us having already agreed informally on a private sale of a diesel SUV. Our PPSR check revealed an active finance encumbrance from a Queensland lender — the seller was unaware. We helped the buyer walk away cleanly and sourced a comparable vehicle from our own stock within five days.
Self-EmployedA sole trader with 18 months of ABN history — typically a difficult profile for major bank auto lending — was approved through one of our specialist lenders at a competitive comparison rate with a balloon structure that matched his project payment cycles.
FleetA plumbing contractor needed three dual-cab utes registered within a single fortnight to meet a new contract start date. We batched the inspections, coordinated simultaneous finance applications across two lenders, and delivered all three vehicles — registered and insured — within nine business days.
EV TransitionA Sutherland Shire family traded in a seven-year-old petrol SUV and moved into a late-model battery-electric SUV — we provided the BMS SoH report, calculated real-world range against their 85 km daily commute, and structured finance that neutralised the price gap versus a comparable petrol model.
Transparent price bands — no asterisks, no balloon payments buried in footnotes.
A straightforward four-step process that eliminates the back-and-forth typical of dealership visits.
Filter our live inventory by body type, fuel type, transmission, km band, and price — each listing includes the inspection report summary, service history scan, and a 360° walkaround video.
Fill in a single form; our finance desk lodges it simultaneously with up to four lenders and returns the best comparison rate within four business hours — no obligation, no credit-score impact at this stage.
Come to our Dulwich Hill lot or arrange a mobile inspection at your address — we bring the car and the full inspection file, so your test drive is informed, not blind.
We handle the Service NSW transfer paperwork, stamp duty declaration, and CTP coordination in-house — you sign once, and the car is registered in your name before it leaves.
Answers to the queries that actually matter in a car purchase — finance structure, inspection depth, encumbrance risk.
The Personal Property Securities Register search reveals whether a vehicle has an active finance security interest registered against it, whether it has been written off (repairable or statutory), and whether it appears on the Australian stolen vehicle register. Yes — we provide the PPSR certificate number and date of search for every vehicle in our inventory, and you can independently verify it at ppsr.gov.au.
A standard pre-purchase inspection typically covers visual checks and a basic road test. Our 120-point process includes compression and leak-down testing per cylinder, CVT or automatic transmission fluid analysis, chassis measurement against manufacturer datum points, and a full brake rotor thickness measurement — not just a visual check. The output is a data sheet, not a pass/fail stamp.
It depends on the reason for the score, not just the number. Our finance panel includes non-conforming lenders who assess serviceability against verifiable income rather than credit file history alone. We recommend being upfront about defaults or part IXs — lenders we work with can often still structure something, and we won't waste your time submitting applications that are structurally unlikely to succeed.
NSW stamp duty on a motor vehicle is calculated on the vehicle's market value or purchase price (whichever is higher) using a tiered rate — A$3 per A$100 up to A$45,000, and A$5 per A$100 above that threshold. We calculate this figure upfront in our deal summary so it's included in your total cost, not discovered at the Service NSW counter.
Yes. We request a payout letter from your current lender and factor the encumbrance into the trade-in settlement. If the payout exceeds the trade-in value, the negative equity can sometimes be rolled into the new finance structure — though we'll flag clearly when that makes financial sense and when it doesn't.
We work with buyers whose employers allow novated lease arrangements — we coordinate with the salary packaging provider your employer uses and ensure the vehicle meets their approved specification criteria. We don't act as the lease provider ourselves, but we've processed enough novated deals to know the documentation requirements across the major packaging firms operating in NSW.
Eligible pre-owned vehicles are covered by NSW statutory warranty legislation, which requires us to repair or replace powertrain faults that present within the warranty period. Beyond that, our in-house service team can diagnose and quote on any issue — and if a fault can be traced back to something that should have been detected in our 120-point inspection, we investigate the report and take responsibility accordingly.
Browse our live inventory with full inspection summaries, or submit a pre-approval request and have a comparison rate back in your inbox before end of business. No pressure, no manufactured urgency.
Browse our live inventory with full inspection summaries, or submit a pre-approval request and have a comparison rate back in your inbox before end of business. No pressure, no manufactured urgency.