About Michael Flynn

What’s a Personal Vehicle Consultant?

I’m both an auto broker and an advisor. I’m 100% independent – so I have only your interests at heart. Bringing my 30 years of knowledge and experience into play, I act as your guide and buffer, whether working with a dealership or a private seller.

So whether you’re tired of the hunt, or just don’t have the time, let me do the legwork for you. Take advantage of my industry connections and fleet buying power to get the best price. I guarantee you’ll save more than my fee – and save valuable time, too. Expect a better car buying experience.

What’s my automotive background?

So what do I bring to the table? I’ve worked in the auto industry for 30 years, which gives me a depth of experience and contacts to draw upon.

  • 10 years at a Victoria VW dealership – sales, finance and management.
  • 10 years as a business owner at Capital City Auto (Victoria) – vehicle sales and repairs.
  • 10 years as owner of Prime Source Lease Group – consultation, vehicle brokerage and leasing
  • Vehicle Sales Authority licensed and a current director of Capital City Auto.

Michael Flynn
Personal Vehicle Consultant

Frequently Asked Questions

How do we get the process going?

We have a meeting in person or on the phone to determine needs/wants/budget. Once we agree to work together, I begin to supply market analysis, guide book values and available choices.

What do you charge?

My fee varies depending on whether you’re just looking for consultation or want more complete service. In most cases there is a deposit to get started, with the balance payable once you have the keys in your hand. View my pricing here.

How do you help with new vehicles?

I have a fleet buying relationship with new car dealers. This provides you with a price advantage and can avoid some of the expenses of the after-sales process at dealerships.

Do you only supply vehicles from dealerships?

No, I shop both the private and dealer markets – it just depends on what you’re looking for.

What if I'm looking for a used vehicle?

The majority of my clients are looking for used vehicles. I specialize in finding high-quality used vehicles at the best price.

Can I lease a used vehicle?

Absolutely. In fact, leasing a used vehicle is often the most cost-effective solution.

Should I purchase or lease?

Everyone has different needs. There are situations in which leasing makes sense and other times when purchasing is the better choice. I'll help you understand your options and together we'll determine the best course of action.

What is the difference between a Closed and Open lease?

A Closed lease is a contract to make all the payments for the chosen term with mileage and condition restrictions. If you meet the conditions, you may hand back the car at the end of term without penalty. An Open lease is a lease to own the vehicle without mileage and condition restrictions. At the end of term you are obligated to buy, sell or trade the vehicle on your own or with your broker.

What happens if I end up finding and buying the vehicle on my own?

I retain the deposit, but you are not obligated to pay the balance of my fee. What’s important is that you find the right vehicle.

What happens if I have already engaged a sales person at the dealerships?

I prefer to set up your appointments and test drives. However, if you have already used a sales person's services, and we do end up buying that vehicle, we will honour their involvement with a sales or delivery fee, while still saving you time and money.

Michael Flynn
Personal Vehicle Consultant



An agreement between the property holder and an end user wherein the user pays a monthly amount to have full use of the property.


The owner/lien holder of the property


The user of the property, under agreement

Residual Value

The anticipated liquidation value of the property at the end of the Lease term


The estimated decline in value of the vehicle over the Lease term

Lease Costs

The operational and administrative costs to the Lessor over the Lease term.

Lease Payments

Monthly depreciation costs together with the cost of borrowing (plus tax).

Capital Cost

The original value or selling price of the property.

Capital Cost Reduction

A down payment (or trade equity) applied to reduce the monthly Lease Payment. (Taxes may be applicable).

Closed End Lease

The Lessee agrees to pay a specific amount and number of payments and agrees to return the vehicle in good condition within a predetermined mileage limitation (costing approx. 10 cents per kilometer in excess). The Lessee agrees to pay for accelerated depreciation based on condition, and may be asked to pay for paint work, worn tires etc.. There is no further risk or obligation to the Lessee. He/She may then "Walk Away".

Open End Lease

In this lease there is no mileage limitation and the Lessee retains responsibility for care and control of the vehicle equity or liability. In other words the Lessee guarantees the estimated wholesale market value of the vehicle at the end of the term. The astute Lessee earns a substantial "payback" at the end of the term, or is eligible to terminate the lease at anytime where it is financially advantageous.

Early Termination

Where a Lease is terminated prior to the original Lease Term. The Lessee may be responsible to make up all the payments to take the lease to term or, more likely, will incur a payout fee which is equal to as much as three months of payments. In the last year of payments the payout fee is reduced or eliminated. If a Lessee leases another vehicle from the same Lessor, the payout fee may be waived.