Commercial Vehicle Finance · Sydney

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 our lender panel 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 as soon as possible.

What's Involved

How It Works

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Choose Your 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 our lender panel to match you with the most suitable chattel mortgage.

Approval & Settlement

Once approved, we manage everything through to settlement.

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You Own It

Drive away with the vehicle in your name and 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. Confirm your entitlements with your accountant.

Is a deposit required?

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

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. You should consider whether any product or service is appropriate for your circumstances and seek independent financial, legal or tax advice before proceeding. All finance is subject to lender approval and individual assessment. Terms, conditions and fees apply. We do not sell your personal information to third parties. By submitting an enquiry you consent to being contacted by a commercial finance broker.