Equipment Chattel Mortgage with Flexible Finance Solutions
Invest in the equipment your business needs without disrupting your cash flow. Our Equipment Chattel Mortgage solutions offer competitive rates, flexible repayment options, and ownership from day one.
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What is a Equipment Chattel Mortgage
An Equipment Chattel Mortgage is a business finance solution that allows you to purchase equipment while using the asset itself as security for the loan. Your business takes ownership of the equipment from the start, while repayments are made over an agreed term with fixed or flexible options available.
Whether you’re investing in construction machinery, commercial vehicles, manufacturing equipment, or essential business tools, an Equipment Chattel Mortgage helps you acquire the assets you need without a large upfront expense. Enjoy greater control over your cash flow while building your business with the equipment you own from day one.
Such a good team, very helpful, and the process was actually fast and easy. Always update me with things that I need for my application and it only take couple of days to process everything. Definitely recommend the team 10/10🫱🏼🫲🏾
Absolutely brilliant staff and amazing efficiency! Cannot explain how easy it was to work with them and to get our car loan sorted! Would recommend to absolutely anyone!
The process was an absolute breeze, and everyone I dealt with was so accommodating, very knowledgeable, and clear in explaining everything. My situation was quite complex, and I honestly didn’t think I’d be able to secure finance. To my surprise, they had it approved in less than a day!
Thank you so much, guys.
Excellent service from start to finish! My broker went above and beyond to help me secure my new car finance. Very professional, helpful, and easy to work with. Highly recommended!
I had a fantastic experience securing my vehicle loan. Their team was professional, efficient, and made the entire process smooth and stress-free. I highly recommend their services to anyone seeking reliable financial support!
A chattel mortgage is a type of loan used to purchase tangible assets. The asset serves as collateral for the loan, allowing you to make manageable repayments over time. Once all payments are completed, you own the asset outright.
What Types of Assets Can Be Financed with a Chattel Mortgage?
Chattel mortgages can finance various assets, including vehicles (cars, trucks, vans), industrial machinery, construction equipment, agricultural tools, and office technology like computers and printers. Both new and used equipment can be financed, though terms and interest rates may vary based on the asset’s age and condition.
What Are the Typical Interest Rates and Repayment Terms for Chattel Mortgages?
Interest rates for chattel mortgages start as low as 6.19%. Repayment terms vary based on the asset and your business’s needs, generally ranging from a few years to several years. Flexible terms are available to accommodate different cash flow situations.
Who is Eligible for a Chattel Mortgage, and What Documentation is Required?
To qualify for a chattel mortgage, you generally need an active ABN, at least six months of trading history, and to be an Australian citizen or permanent resident. Documentation requirements include financial details and proof of identity. No-doc loans are available up to $150k, and low-doc loans up to $1M.
Can I Make Extra Repayments or Transfer a Chattel Mortgage?
Yes, you can make extra repayments on a chattel mortgage, reducing the loan term and interest costs. Transferring a chattel mortgage to a new business entity may also be possible, but lender approval and appropriate documentation are required.
