Chattel Mortgage Car Loans
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✓ GST Credits ✓ Tax Deductions ✓ You Own It
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How much finance do you need?
Enter any amount between $10,000 and $500,000
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Trusted by 2,000+ Business Owners
"I couldn't be more pleased with the service I received from Francis and Alex at Valco Group Financial Services. For the first time, my asset finance experience was truly seamless. From the initial application to the receipt of funds, I was treated with exceptional care and professionalism. Their communication and follow-up were outstanding, making me feel like a truly valued client. I will definitely be using their services again and highly recommend them to anyone seeking asset finance."
"Had Alex handle the finance for our new business vehicle and he did a fantastic job. Communication was very good and he really made the whole process easy to deal with. He bounced back and forward to get the best deal he could and can tell he cares about what he does. Can't thank him enough, 100% will be using again for any further things of this nature."
"So glad we met Francis! He has helped us find 3 vehicles in the last 12 months the newest addition for my business arriving today. Professional, and down to earth, and simply just makes the whole process easy! We will be using Francis for all our vehicle and finance advice and needs. A+++++"
Why Chattel Mortgage is Perfect for Business
Claim GST on purchase price upfront - instant tax savings
Claim depreciation & interest as tax deductions yearly
Own the vehicle from day one - build business equity
Fixed repayments - budget with confidence
Approval in 24 hours - get on the road fast
Tailored for ABN holders & business owners
Fast-Track Your Finance
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60-second form. No credit check required.
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We negotiate with 30+ lenders for the best deal.
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Pre-approval in 2 hours. Final approval in 24 hours.
Common Questions
What is a Chattel Mortgage?
It's a commercial lending facility which is used to buy a vehicle or equipment within a business. The asset is owned by you from day one and the lender takes it as security until you've paid it off.
What can I use a chattel mortgage to buy?
Almost any hard asset that can generate income can be purchased with a Chattel Mortgage, even software and soft costs.
Is the interest tax deductible?
Yes, for most businesses you can deduct the cost of interest, depreciation and fees for a Chattel Mortgage. It's always best to discuss with your accountant before making any decisions.
What is a balloon payment?
A balloon payment, also known as a residual is a lump sum payment which is owed at the end of the loan period. It's up to you to whether you want a balloon or not. It's a tool to reduce your repayments and increase business cashflow.
Do I need to provide my Tax Returns?
No. It's a common misconception that you need your financials up to date to be approved for a Chattel Mortgage.
What is a 'Low Doc' Loan?
A Low Doc loan is the way we submit your application to the lender to obtain approval without providing your tax returns. It's a quick and easy way to get your Chattel Mortgage approved.
How much can I borrow?
There is no limit on how much you can borrow with a Chattel Mortgage. Low Doc loans do have limits. It's best to discuss with your broker which lender is best suited to your circumstances.
Do I need an ABN to apply?
No. We can set up Chattel Mortgages for individuals working for a wage providing they are using the vehicle for 50% or more business purpose.
How long does my ABN need to be active?
Brand new ABN's are OK. We have expert Commercial Brokers in our team who can assist all businesses whether you are brand new or have been trading for decades.
What can I buy with a Chattel Mortgage?
Almost anything. We have financed just about anything you can think of. Software and soft costs are also acceptable.
How long does it take to be approved?
We can secure a pre-approval for your Chattel Mortgage within the same business day.
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