Our lenders
Access to Australia's leading lenders
Buy the vehicle or equipment your business needs and own it from day one. A Melbourne broker comparing our lender panel for a chattel mortgage that fits your cashflow.
Vehicles, trucks, machinery and equipment.
With a chattel mortgage you take ownership of the asset at settlement while the lender holds a mortgage over it until the loan is repaid. It's one of the most common ways Australian businesses finance vehicles and equipment.
Get a chattel mortgage estimate →You choose the asset and agree a price with the seller. The lender pays the seller, you take ownership straight away, and the lender registers a mortgage over the asset as security. You then make regular repayments over the loan term. When the final repayment is made, the mortgage is discharged and the asset is fully yours. Many chattel mortgages include a balloon payment — a lump sum due at the end of the term — which lowers the regular repayments.
Because the business owns the asset, businesses registered for GST may be able to claim the GST on the purchase, and interest and depreciation may be tax-deductible. The rules depend on your business structure and circumstances, and we don't give tax advice, so please check with your accountant before you commit.
A lease means the finance company owns the asset and you pay to use it, with options at the end of the term. A chattel mortgage means you own it from the start. Which suits you depends on your cashflow, how long you'll keep the asset and your tax position. We can explain how the two compare for your situation.
Trading history, financials and ABN details help lenders understand your capacity to repay.
Type, age and value of the vehicle or equipment affect which lenders and terms are available.
Business and director credit history are considered — we match you to lenders suited to your profile.
Finance is subject to lender assessment, eligibility criteria and lending limits. This page is general information only and is not financial or tax advice. Based in Hawthorn, Melbourne, we arrange finance for customers across Victoria and Australia-wide.
We're not tied to one bank — we compare and negotiate across our full lender panel for your situation.
Decades in finance and automotive means we know which lender fits your circumstances, not just the lowest headline rate.
Best rate doesn't always mean best deal. We explain the trade-offs so you're not caught out later.
A quick chat or online form — no obligation, no credit score impact.
We match your situation against lenders best suited to it, not just the biggest name.
We guide the application and settlement so there's no guesswork on your end.
We're here for the life of the loan, not just the sale.
A chattel mortgage is a secured loan used to buy a movable business asset, such as a vehicle or equipment. You own the asset from settlement, and the lender holds a mortgage over it until the loan is repaid.
With a chattel mortgage you own the asset from settlement and the lender holds a mortgage over it. With a lease, the finance company owns the asset and you pay to use it, with an option to buy at the end.
Often yes. A balloon is a lump sum due at the end of the term that reduces your regular repayments. We'll explain how it affects the total cost so you can decide whether it suits you.
Yes, in many cases. Age limits and requirements vary by lender, so tell us the asset details and we'll check who can help.
Not necessarily, but GST treatment depends on your registration and circumstances. Please check with your accountant, as we don't provide tax advice.