Commercial Vehicle Finance · Sydney, Australia

Chattel Mortgage for Business Vehicles

A chattel mortgage is Australia's most popular commercial vehicle finance structure. Your business takes ownership of the vehicle from day one, while the lender holds a mortgage over it as security.

We compare 30+ lenders to find the most competitive chattel mortgage rate for your business — obligation-free.

Own the vehicle from day one
Fixed repayments for easy budgeting
Potential GST and tax deduction benefits
Suitable for cars, utes, vans, trucks and more
No deposit required in most cases

Get a Free Quote

Takes under 2 minutes. No obligation.

Enquiry Received!

One of our finance specialists will be in touch within 1 business day.

What's Involved

How It Works

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You Choose the Vehicle

Find the car, ute, van or truck you need. New or used, dealer or private sale.

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We Find the Finance

We compare 30+ lenders to match you with the most suitable chattel mortgage.

Approval & Settlement

Once approved, we manage everything through to settlement — fast and straightforward.

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You Own It

Drive away. The vehicle is yours from day one with fixed monthly repayments.

Common Questions

Frequently Asked Questions

What is a chattel mortgage? +

A chattel mortgage is a commercial finance product where your business takes ownership of the vehicle immediately, and the lender takes a mortgage over it as security until the loan is repaid.

Who is a chattel mortgage suitable for? +

Chattel mortgages are designed for businesses — sole traders, companies, partnerships and trusts — that use the vehicle primarily for business purposes and hold a valid ABN.

Can I claim GST on a chattel mortgage? +

Businesses registered for GST may be able to claim the GST component of the vehicle purchase price as an input tax credit. You should confirm your specific entitlements with your accountant.

Is a deposit required? +

In most cases no deposit is required. The vehicle itself serves as security for the loan.

What vehicles can be financed on a chattel mortgage? +

Cars, utes, vans, SUVs, trucks and most business vehicles can be financed under a chattel mortgage structure.

Ready to finance your next business vehicle?

Talk to a specialist. No obligation, no credit check at this stage.

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Disclaimer: This website provides general information only and has been prepared without taking into account your objectives, financial situation or needs. By submitting an enquiry, you consent to being contacted by a commercial finance broker. We do not sell your information to third parties.