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Chattel mortgage

Chattel Mortgage

Widely used type of finance that suits many businesses and many types of equipment purchases. Under a Chattel Mortgage, you take ownership of the equipment (Chattel) at the time of purchase. The lender will hold a mortgage over the equipment as security for the loan. Once the loan is repaid in full the mortgage is then realised. Having security over the loan allows for potentially cheaper interest rates.

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Flexible contract terms

Monthly repayments are fixed, therefore costs are known in advance

A residual (balloon) can be applied to the contact, lowering your monthly repayments

Tax deductions can be claimed on the depreciation of the asset *

Registered GST businesses can claim the GST in the equipment’s price upfront. *

*Refer to your accountant to confirm individual tax benefits.


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