Whether your business is needing another car, more equipment or you are upgrading your truck fleet, a chattel mortgage is the affordable way to do it.

By funding your purchase with a chattel mortgage you are allowing yourself to make use of its various tax benefits and also getting access to the lowest rates available.

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A chattel mortgage is a commercial loan product where you take ownership of the goods at the time of purchase.

The purchase is made using funds borrowed from the financier with an agreement to pay the funds back over a set period of time.

The financier lodges a “mortgage” over the goods through the PPSR (personal property and securities register) and releases this once all payments have been made.


  • Loan terms from 1 to 7 years
  • A balloon value (residual) from 0% to 70% to suit your needs
  • Access to the lowest interest rates
  • Tax deductable interest
  • Ability to claim depreciation on the asset
  • GST on the purchase can be claimed on your next BAS
  • Low fixed interest
  • Payments can be structured to match your business cash flow



A chattel mortgage is available for all business customers requiring use of a vehicle or equipment for business purposes. This includes companies, trusts, partnerships and sole traders.

It best suits businesses who are use the cash accounting method as it allows you to claim the full GST on the purchase price upfront

As an alternative you and your business may also benefit from a Commercial Hire Purchase or Finance Lease. Our Business Finance Managers will be able to explain the features and benefits of each loan type for you.


By funding your new vehicle with a Chattel Mortgage you allow yourself the opportunity to tailor the loan to fit your business.

We know that the income a business receives can vary greatly throughout the year, so we make sure that your loan is tailored to match. With a Chattel Mortgage we can structure you repayments weekly, fortnightly, monthly, quarterly, half yearly or yearly to suit your business. We can also structure your repayments to meet your business cash flow cycle no matter how irregular it may be. This is great for our customers who receive their income seasonally such as primary producers or tourism operators.

We will always help you structure your loan to meet your business needs.

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