Asset finance
Vehicles and equipment — structured for cash flow, not showroom theatre.
Chattel mortgage, hire purchase, and lease options for assets that earn income. We match term, residual, and entity use without over-engineering.
Prefer email? Use the contact form. Broker direct line: 0400 77 77 55.
Azure Home Loans — direct access to Bishnu Adhikari, policy-led lender matching, and settlement-ready file discipline.
Who this is for
Business owners funding vehicles, plant, or equipment — often alongside property strategy — who need pragmatic structures with accountant-aware questions flagged.
What tends to matter
- Asset life vs finance term — avoid five-year money on two-year obsolescence.
- GST, balloon, and mileage or hours assumptions in lender calculators.
- Entity ownership — company, trust, or sole trader implications at inquiry stage only.
- Pairing with property debt so serviceability stories stay honest.
How we help
We shortlist products that fit operational use and cashflow — with clear trade-offs on ownership, residuals, and early payout behaviour. Tax treatment is for your accountant.
What people often miss
- Choosing structure for a tax guess without running cash impact month to month.
- Ignoring balloon risk at refinance time.
- Splitting applications across brokers — fragmented footprints and mismatched timelines.
Typical path
Step 1
Asset brief
Type, vendor, price, delivery timing, business use case.
Step 2
Structure options
HP, lease, chattel — fit-for-purpose comparison.
Step 3
Documents & approval
ABN trading, bank evidence, asset quotes as required.
Step 4
Settlement
Invoice paid, asset insured, repayments aligned to cashflow.
Related insights & tools
Commercial property loans · Self-employed loans · Contact · Apply
Frequently asked questions
Important information
The information on this website is general in nature only. It does not take into account your objectives, financial situation, or needs, and you should consider whether it is appropriate for you before acting on it.
Credit assistance and lending are subject to lender assessment, terms, conditions, fees, charges, and eligibility criteria. A loan product that suits one borrower may not suit another.
You should consider obtaining independent legal, financial, and taxation advice before making decisions about credit or property.
Enquire about Asset finance
Send a short message — Bishnu Adhikari will reply with a practical next step. Same secure flow as our main contact form; your topic is pre-filled for this page.
We'll review your details and respond on business days — usually within a few hours.