Home / Asset finance

Finance the gear,
keep your borrowing intact.

Vehicles, equipment, machinery and fleet, arranged so the facility sits where it belongs and does not quietly cost you your next property approval.

Book a strategy call

What we do

Asset finance decides what you can borrow next.

Asset finance is usually treated as a transaction: pick a rate, sign, drive away. But every facility you take shows up in servicing when you next apply for a home or commercial loan, and dealer finance is rarely structured with that in mind.

A vehicle financed on the wrong terms can quietly reduce what a lender will advance you on a property twelve months later. Most people only find out at the worst possible moment.

Because we write your property lending too, we can see both sides. Sometimes that means a different structure, sometimes a different order of applications, occasionally advice to wait a month.

Who we work with

Tradies and sole traders buying a vehicle or plant
Businesses financing equipment or machinery
Operators running or expanding a fleet
Buyers comparing dealer finance against the market
Businesses with recent ABNs or low-doc positions
Clients whose property loan is the bigger picture

Where we help

What we arrange.

Motor vehicles

Cars, utes and light commercial, new or used, for business or personal use.

Equipment and machinery

Excavators, tooling, production and specialised equipment, including private sales.

Fleet and plant

Multiple assets under one facility, with a limit you can draw against as you add.

Chattel mortgage

The common structure for business use, where the asset is yours from day one. Speak to your accountant about the tax treatment.

Lease and hire purchase

Alternatives where cash flow or balance sheet treatment matters more than ownership.

Low-doc options

Where the ABN is young or financials are not finalised, against a deposit or existing assets.

Recent

Vehicle finance, sorted in days.

A client buying a new car had the finance arranged and settled within a few days of getting in touch.

Described by the client in a Google review. Turnaround depends on the lender, the asset and how quickly documents are provided.

Worth knowing

A dealer rate is one quote, not the market
Balloon payments lower the repayment and raise the total cost
Every facility affects your next home loan assessment
Private sales can be funded, with the right lender
Tax treatment is a question for your accountant, not your broker

Also useful

Other things we finance.

Need an asset financed?

Tell us what you're trying to do and we'll tell you what's realistic, and what it would take.