Chattel Mortgage Finance
Own your equipment from day one with potential tax benefits. Claim GST upfront and enjoy depreciation deductions for your business.
Loan Amount
Approved
Own From Day One
Immediate ownership
Claim GST Upfront
Lump sum benefit
Tax Deductions
Depreciation & interest
Fixed Repayments
Budget with certainty
Terms
24 - 84 months
Finance up to
$500,000+
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Estimate Your Repayments
Calculate your monthly chattel mortgage payments
Estimated repayment
per month
*This calculator provides estimates only. Actual rates depend on your circumstances. Consult your accountant for tax advice.
How Does a Chattel Mortgage Work?
A chattel mortgage allows you to purchase equipment or a vehicle and own it from day one. The lender provides the funds upfront, and you stay in control of your own costs.
The equipment serves as security for the loan. The lender registers a security interest via PPSR, which is removed once the loan is fully repaid.
For GST-registered businesses, the GST content may be claimable upfront as a lump sum. You may also claim depreciation and interest as potential tax deductions.
Who is it For?
Traders & Companies
Ideal for business purchases
Partnerships
Suitable for all business structures
Cash Accounting
Best for cash accounting methods
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Learn MoreSpecialist Team
Our commercial finance specialists will tailor a solution for your business.
Contact UsChattel Mortgage Benefits
Own the asset from day one with significant tax advantages
Own
From day one
Take immediate ownership of the equipment.
GST
Claim upfront
Claim GST as a lump sum immediately.
Tax
Depreciation
Claim depreciation and interest deductions.
24-84
Month terms
Flexible contracts from 2 to 7 years.
Fixed
Interest rates
Lock in your rate for the loan term.
With no impact to your credit score
Benefits of Chattel Mortgage
Chattel mortgages offer significant advantages for businesses that want to own their equipment outright while enjoying potential tax benefits.
With fixed interest rates and monthly repayments, you can budget with certainty. Contract terms range from 24 to 84 months (2-7 years).
Balloon/residual value options are available, and you can choose customised payment options to suit your cash flow.
Immediate Ownership
Own the asset from day one
Balloon Options
Reduce monthly payments
Ready for a Chattel Mortgage?
Apply Today
Our commercial finance team specialises in chattel mortgages for businesses of all sizes.
With streamlined online applications and affordable payment terms, getting finance with Loans 123 is as easy as one two three.
Call us on 1800 079 147 or apply online to discuss your chattel mortgage options.
Frequently Asked Questions
Chattel mortgages are ideal for traders, companies, and partnerships using cash accounting methods who can claim GST benefits. If you're purchasing equipment or vehicles for business use, this could be the right option.
Ready to apply?
Find out your rate and repayments in under 90 seconds
With no impact to your credit score