A chattel mortgage is one of the most popular asset finance options for Australian businesses. It allows you to purchase vehicles or
equipment outright, while spreading the cost over time with predictable repayments.
With Be Proactive Finance, we make chattel mortgages simple, transparent, and tailored to how your business actually operates
How it works
You own the asset from settlement.
The lender uses the asset as security.
You repay the loan over an agreed term, with optional balloon payments to manage cashflow.
Why businesses choose a chattel mortgage
- Full ownership from day one
- Potential GST and depreciation benefits (for eligible businesses)
- Flexible loan terms from 1 to 7 years
- Optional balloon to reduce monthly repayments
- Competitive rates through banks and specialist lenders
Best suited for
- ABN holders, sole traders, partnerships, and companies
- Vehicles, trucks, machinery, and income-producing equipment
Why use Be Proactive Finance
We compare 40+ lenders, explain the numbers clearly, and structure the loan to suit your goals — not the bank’s preferences.