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Chattel mortgage

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Chattel mortgages

Own your business vehicle from day one with a straightforward, tax-effective finance solution designed for business use.
A chattel mortgage is a popular finance option for business owners, from sole traders to large companies, who want immediate ownership of their vehicle while spreading the cost over time. You make regular monthly repayments and once the loan is paid off, the vehicle is yours outright.
This type of finance offers fixed interest rates, consistent repayments, and potential tax benefits (be sure to speak with your accountant). Because the loan is secured against the vehicle, it’s a smart and commonly used structure for businesses using the car at least 50% for work purposes.
At Finestream, we’ll walk you through the process, help you understand your options and structure the right loan to suit your business needs.
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Award-winning finance

When it comes to motor finance, Finestream isn’t just experienced, we’re industry-awarded. Our team has been nationally recognised for excellence in vehicle and asset finance, reflecting our commitment to clear advice, competitive options, and fast approvals.

Built for the road ahead.
Your Finestream advantage.

With options across personal and business car finance, novated leasing, and low-doc loans, we take care of the details so you can focus on the drive ahead, not the admin behind it.

Frequently asked questions

A chattel mortgage is a type of loan where the lender gives you the funds to purchase a business-use vehicle, and you own the vehicle from day one while the lender takes a mortgage over it.

Businesses, sole traders, partnerships, and companies purchasing vehicles primarily for business use.

Benefits include ownership from the start, potential tax deductions, flexible repayment options, and eligibility for GST input tax credits.

Many chattel mortgage loans allow extra repayments without penalty, but it’s always best to check the specific loan terms.

The best way to start is to talk to us!
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Finestream Capital Pty Ltd is a Corporate Credit Representative (410473) of Finsure Pty Ltd (Australian Credit Licence Number 384704).
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Finestream Homeloans Pty Ltd is Corporate Credit Representative (481484) of LMG Broker Services Pty Ltd ( Australian Credit Licence number 517192).
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