Chattel mortgage

A chattel mortgage is similar to a mortgage on a property, except that in this case the mortgage is on a moveable item, rather than real property. It is most commonly used for items such as motor vehicles or equipment. We lend you the money for the item you or your business requires, and secure the loan by registering a security interest over the item. When the loan has been fully repaid, you will own the item.

There are a number of benefits associated with a chattel mortgage. Please speak to your accountant to understand how these may apply to you.

With or without a deposit, it’s up to you

We are flexible. We can organise a chattel mortgage without a deposit. However, if you would like to pay something upfront, we can organise that option for you as well.

Flexible options and payment terms

Our lease terms are flexible, and range from 1 to 5 years. Payment terms are designed to suit your business. You can tailor them to suit seasonal cashflow, pay for the goods in full over the term of the contract or even make a balloon payment at the end of the loan.


  • Term: 1 to 5 years
  • Loan Amount: $10,000 and upwards (subject to credit approval)
  • Repayment Frequency: Monthly, quarterly, annually or structured to suit you

Use of the information contained on this page is governed by Australian law and is subject to the Terms and Conditions which can be read on the Terms and Conditions page.