Chattel Mortgage.
You need the asset. You want to own it, claim the GST, and deduct the interest - not just lease it. We find the right rate across 60+ lenders and handle everything from application to settlement.
Get a free quote
Won't affect your credit score.
What can we help you with?
The Product
Finance your business assets - and own them from day one.
A Chattel Mortgage lets you purchase a business asset and own it outright from settlement - while the lender holds security until the loan is repaid. That means you can claim the GST upfront on your next BAS, deduct the interest, and depreciate the asset over its life.
We search 60+ lenders to find the most competitive rate and structure for your situation - not just the first offer that comes back. Whether it's your first company vehicle or adding to a fleet, we handle the paperwork and lender negotiation. Prefer not to own the asset? Finance Lease and Operating Lease are worth comparing.
Repayments that work for your cash flow
We structure your loan term, rate type, and balloon payment to fit your business - not a one-size-fits-all template.
The best rate available - across 60+ lenders
Every application is shopped across our full lender panel. You get the most competitive outcome, not just the first one that comes back.
Approval in 24–48 hours
Fast decisions backed by strong lender relationships. Most straightforward applications are approved within one business day.
Specialist lenders for complex situations
Low-doc, adverse credit, non-standard assets - we have a panel that covers the full spectrum, not just the easy applications.
Run The Numbers
Calculate your Chattel Mortgage repayments
Enter your loan details
Estimated monthly repayment
$1,366.10
No impact to your credit score
Estimates only, based on the example rate and the figures you enter. Assumes a fixed-rate principal & interest loan over the full term, plus a lump-sum balloon payment due at the end. Your actual rate, structure and repayments will depend on your circumstances and the lender, so get in touch for a tailored quote.
Asset Types
What can you finance with a Chattel Mortgage?
If it produces income for your business, we can likely finance it. Here's what we work with most:
Don't see your asset type? Get in touch - we finance a broad range of commercial equipment and vehicles.
Requirements
Chattel Mortgage eligibility - most Australian businesses already qualify
Here are the key requirements lenders look for - our team will guide you through every step.
- Australian Business Number (ABN)
- Proof of Business Operation
- Proof of Residency
- Asset used primarily for business purposes (51%+)
- Financial statements, tax returns or BAS
Don't meet all criteria? Talk to us anyway - we work with specialist lenders for start-ups, low-doc and adverse credit scenarios.
Not sure if you qualify?
Our team reviews hundreds of applications. Tell us your situation and we'll give you an honest assessment - no obligation, no credit check just to chat.
The Process
How to get a Chattel Mortgage - from first call to funded
Tell us what you need
Share the asset you're buying and your business situation. We'll identify the right structure and lender type within the conversation - no prep required.
We guide you through the paperwork
ABN, recent financials or BAS, asset details - we tell you exactly what's needed and why, so nothing gets missed or delayed.
We negotiate and close it
We lodge across our lender panel, push for the best terms, and manage everything through to settlement. You just confirm the outcome.
Why Finance?
Why most businesses choose Chattel Mortgage
Tax Deductions on Interest
Interest payments on a Chattel Mortgage are generally tax-deductible as a business expense, reducing your overall tax liability.
GST Credit on Purchase Price
Eligible businesses can claim the GST component of the purchase price upfront in their next BAS - a significant cash flow advantage.
Depreciation Claims
As the owner of the asset from day one, you can claim depreciation on the asset over its effective life.
Fixed Repayments
Fixed monthly repayments give you certainty in your cash flow planning, making it easy to budget over the life of the loan.
Ownership from Day One
Unlike a lease, with a Chattel Mortgage you own the asset immediately. The lender holds the asset as security until the loan is repaid.
Flexible Loan Terms
Loan terms typically range from 1 to 7 years with the option of a balloon or residual payment to reduce monthly repayments.
Why Co-Pilot
Why Co-Pilot - not just any broker
We work for you, not the lender
As a broker, our job is to find the best outcome for your business - not push a product. We compare the full market and recommend what actually fits.
Lender relationships that open doors
Our panel relationships mean faster decisions, better rates on competitive applications, and genuine advocacy when your situation needs more than a form submission.
Honest advice on complex situations
Low-doc, adverse credit, non-standard assets - we give you a straight answer on your options rather than turning you away at the door.
Clear communication, start to finish
You'll know where your application is at every stage. No chasing, no surprises - just a clear line to your advisor until the deal is settled.
Hear What Our Clients Are Saying
“I had an excellent experience with Sarah. She guided me through the finance process for my Honda Fit and made everything simple and transparent from start to finish. The approval was fast, and her customer service was genuinely the best I’ve experienced. She took the time to explain my options, answered all my questions, and made sure everything went through smoothly. I really appreciated her professionalism and friendly approach. Highly recommend her if you’re looking for finance support.”
Dinith G
FAQ
Common Questions About Chattel Mortgage
Ready to move on the asset? Let's get it financed.
Tell us about the asset and your business - we'll come back with honest options across 60+ lenders, no obligation. Most applications are approved within 48 hours.