Chattel Mortgage Brisbane

We’ll help you get into your new car as quickly and painlessly as humanly possible – at better rates than your bank or car dealer!

100% free no obligation quote

Why should I finance my car through AutoCarLoans.com.au?

Big Savings

We’re confident we can beat your car dealer AND those online interest rate comparison websites. Because unlike most car dealers and other brokers, we have access to a range of lenders and specialist financiers. Access to wholesale rates means we can find you the most competitive loan based on your unique circumstances.

Superior Service

Our consultants are real, Australian people, based in Australia. No overseas call centres or pre-recorded menus; with AutoCarLoans you’ll speak directly with our expert staff every time. You won’t be palmed off between departments either: you’ll be allocated your own Finance Consultant who’ll stay with you throughout the entire process. That same person will be there for you throughout the life of your loan.

Fast And Hassle-Free

We know how valuable your time is. That’s why we keep documentation and review times to a bare minimum, and do everything electronically where possible, to ensure you get your car as quickly and easily as possible.

Tailored Options

Whether you’re after a car loan, a novated lease, an operating lease or a chattel mortgage; we help you finance your car in the most advantageous way, based on your unique situation.

Avoid getting taken for a ride by your bank or car dealer

Call 1300 301 051 now to get your free exact quote in under 5 minutes

OR

Submit online application

Don’t Just Take Our Word For It.
See What Our Customers Are Saying:

Google Rating
5.0
Based on 1603 reviews
Brendan C.
November 1, 2023

Really just amazing service. Very clear in communication and fast when responding. Big shout out to Sarah for all her help!
Alice T.
September 22, 2023

We recently went through auto loans for car finance, we worked with Chris Hughes. He was very available to answer questions, efficient and straightforward. The process was very easy and I would recommend this broker to any friends or family. Thanks Chris!
Joel O.
August 17, 2023

Brilliant experience and the best customer service! Thanks so much Declan!
Ian B.
June 30, 2023

Super helpful and friendly people, got all our machinery for our business financed through Alex at Auto Loans Group. highly recommend them!
Scott M.
December 6, 2023

Luke was so much help would highly recommend him to anyone!
Jake S.
December 6, 2023

Caleb was fantastic to deal with, the whole process was smooth and was really approachable to help with concerns. We managed to get a much better rate than dealer finance and would happily recommend them to anyone else trying to source finance!
David P.
December 5, 2023

Thank you so much Bryan you guys made the process so easy and enjoyable I would not hesitate in recommending your company all the best cheers David
Hemisphereimports N.
December 5, 2023

Great team to deal with, Declan makes everything seamless and easy.
Les K.
December 4, 2023

Conan was fast and easy to deal with, he has plenty of experience and knowledge, kept me posted on all. Deal with him again
Rado L.
November 28, 2023

If you're looking for a car loan, don't hesitate to give a call to Auto Loan Groups. We've had our loan done and ready less than 2 days. One very happy customer here!Thank you Jarrod B. for your excellent service!!
Andrew K.
November 22, 2023

Very focused, methodical and pleasant to deal with. I would highly recommend using Auto Loans Group for your financial needs. Specific commendable and kind support by Bryan!
Frank A.
November 16, 2023

So easy to deal with and very helpful all the way
Banksy 4.
November 13, 2023

Great to deal with, and they keep you up to date with everything going on
Lance S.
November 2, 2023

Auto Loans was so easy to deal with. My agent was Athba who answered all queries quickly and I didn’t have to call a call centre each time if I had any queries which was a huge advantage. Athba also got me an excellent interest rate which I could not have found elsewhere. Highly recommend.
Chris T.
November 1, 2023

Jarrod from autoloans group was great to deal with. Made the whole process simple and hassle free. Highly recommend

Fill in $ amount, Get Instant Quote, Drive your car!

CHATTEL MORTGAGE BRISBANE

A chattel mortgage is the most popular car finance structure for business-use vehicles. Chattel Mortgages are available to companies, sole traders, and employees using a car for predominant business use. They are a great way for businesses in Brisbane to finance their vehicles and equipment needed for operation, and at the same time reduce tax obligations. With a chattel mortgage, as a business owner, the vehicles belong to your business, and provide the security for the loan. This enables us at Auto Car Loans to create a competitive financing option that’s best suited to meet the needs of your business.

WHAT IS CHATTEL MORTGAGE?

A Chattel Mortgage refers to a loan to buy a vehicle or a piece of equipment that is then used as the loan security. It is sometimes referred to as an equipment loan.

As a rule of thumb, a chattel mortgage is used where the financed asset is used solely or mainly for commercial purposes. That is, the asset will be used for business more than 50 percent of the time. While chattel mortgage may fund several types of equipment, it is typically used to finance motor vehicles and trucks.

When you choose a chattel mortgage, you take ownership of the vehicle and use it as security. This can benefit you in several ways like lower interest rates and no payment for account keeping fees.

WHY YOU NEED A CHATTEL MORTGAGE

If you intend to buy a car, finance is one of the most significant factors you would have to consider. Unfortunately, many businesses in Brisbane can’t afford to pay the high sum of money needed to pay for the vehicle upfront. That is where we at Auto Car Loans come in. We match you with the right lender that will provide you with the necessary funds to purchase your vehicle so you can take ownership of it as fast as possible.

When it is time for you to acquaint yourself with the right choice in terms of your chattel mortgage, our finance consultant will be ready to provide all the assistance to help you make the right decision. We’ll pair you with a suitable Chattel Mortgage lender that’s right for you.

BENEFITS OF CHATTEL MORTGAGE

A Chattel Mortgage for business use has benefits over typical consumer car loans. Some of the other benefits of chattel mortgages you can get from us at Auto Car Loans are:

  • Interest rates start from rates which are significantly lower than rates for personal use car loans.
  • Unlike a lease or loan, the chattel mortgage gives you ownership from the beginning.
  • You should seek your own individualised tax advice on the below, but there are commonly available tax savings from a Chattel Mortgage when used by a company or sole trader:
    • Most business borrowers are eligible for the Instant Asset Write Off so can fully depreciate the cost of the car on their next annual company tax return (reducing the reported income of the business on which you pay tax).
    • Business borrowers registered for GST may be able to claim the car’s full GST amount back as an input tax credit on their next quarterly BAS even though the car wasn’t fully paid for by the business upfront.
    • Most businesses and individuals may be able to claim interest expenses on their tax return.
  • You may opt to pay the residual balloon at the end of the period. This gives the company the freedom to determine if you would like to keep your monthly expenses down during the loan term, to sell the car, refinance the balloon or simply pay it out at the end of the loan term.

DETERMINING ELIGIBILITY

Our rule is that the individual or business can qualify for chattel mortgage loans if the vehicle’s use is business-related over fifty percent of the time.

If you’re interested in getting a chattel mortgage, we encourage you to apply with us. Our process of determining eligibility is straightforward, and before long, we’ll match you with a lender that meets your exact business requirements.

We value your time, so we have a simple validation process that won’t waste your time. After you have filled the application form (/apply), which usually takes about 5 minutes, we will get back to you as soon as possible. If you qualify, we’ll give you access to a lender that’s suitable for your business needs.

CHOOSING A SENSIBLE PATH

A key factor for running a business is having a reliable vehicle. It serves as a true indicator of the quality of your service, your credibility, and the impact you create on your clients. Soon, you’ll realise that doing business is easier and you become more trusted by clients when you have a truck or a car that helps you promote your brand and deliver products or excellent services every time.

WHY AUTO CAR LOANS?

Auto Car Loans considers the needs of your business and then pairs you with a suitable lender. Here are a few qualities that differentiate us from the crowd:

  • Here at Auto Car Loans, we specialise in Chattel Mortgages and offer one of the best lender panels available in the Brisbane area. We have successfully helped thousands of businesses with their finance solutions and we have the experience you can trust.
  • Wide array of commercial lenders to choose from.
  • Fast approval turnaround.
  • Low doc options.
  • Multiple approval pathways for non-standard borrowing scenarios
  • Products without pay-out penalties.
  • Huge savings and affordable rates.

With our strong connections and wealth of experience, you can be sure that we will match you with a suitable lender in no time. We have expert consultants who will be on the ground to attend to you and to ensure that the process of financing your auto loans is as hassle-free as possible.

At Auto Car loans, we are customer-oriented and we are committed to identifying the loan that best suits you and getting you in the car you want, quickly and efficiently.

Want to get started with your chattel mortgage? Contact us today on 1300 301 051 to find out how we can help you get that new car, truck or equipment for your business!

Fill in $ amount, Get Instant Quote, Drive your car!