Chattel Mortgage Perth

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 1807 reviews
Danny M.
August 20, 2024

I dealt with Doug Cvijetic and he went above and beyond to make our loan happen. Doug was exceptional to deal with, polite, respectful and great at his job, Thanks Doug!!
Michelle C.
August 13, 2024

Had a great experience with Luke Fraser! He made the whole process effortless and easy! Everything was settled within the same day once I provided all the necessary documents. Couldn’t be more happier with the service!
Eben G.
August 12, 2024

Recently dealt with Peter. First time getting a car loan and he made the process super easy and transparent. Highly recommended.
Amanda S.
August 7, 2024

Fantastic service. The right level of support & not pushy. Happy to recommend to all. Took all the hard work so I could just focus on finding a car.
Dylan R.
August 5, 2024

Chris was absolutely amazing. I couldn’t have asked for better help. Very fast and efficien, but also very professional and very very good at his job. If everyone at auto loans group is the same as Chris, then I recommend very highly and will be recommending to family and friends.
Louise B.
August 5, 2024

I can’t praise the team at Auto Loans Group enough. I had a great experience with Nick as he was very knowledgeable and responsive to my questions and changes. From beginning to end it was a very smooth and stress free experience.
Mobile S.
August 2, 2024

Could not fault Sean. He went over and above and made the experience so simple!
Darren H.
August 5, 2024

Auto Loans assisted us with a new Tesla car loan which was stress free process. Declan was friendly, efficient and easy to deal with. Many thanks, Darren
Chris G.
July 25, 2024

Extremely easy to deal with and the fastest processing I have seen, paperwork in on the afternoon of the Friday, approved Monday morning, funds transfer Monday and vehicle picked up Tuesday. Bryan was extremely helpful and made the process very easy.
William M.
July 25, 2024

Amazing service, extremely professional. Big thanks to Conan Langham for his help in securing me the best loan possible. Thanks for everything. Will.
Justin B.
July 24, 2024

Would have to say dealing with Declan was the most stress free experience. Nothing was to hard for him he keeped me in the loop anll the way through and in actual fact he saved me over $2000 and was able to get me a better interest rate than anyone else. So please if your thinking of using AutoGroup don’t hesitate and if your lucky enough to deal with Declan you will do very well. Thanks for a stress free experience.
Eleanore A.
July 12, 2024

Very professional, fast and easy. Thank you Doug of Auto Loans Group. Definitely will use it again.

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CHATTEL MORTGAGE PERTH

Whether you wish to start a small business in Perth or expand an existing one, getting the funds you need for new cars or equipment doesn’t have to be difficult. At Auto Car Loans our expert finance brokers have access to over 50 bank and non-bank lenders. We can assess your situation and match you with the lender that offers the most competitive rate and the most streamlined approval pathway.

For Perth companies, sole traders, and employees using their car or equipment for predominant business use, a chattel mortgage is the most popular finance structure.

WHAT IS A CHATTEL MORTGAGE?

A chattel mortgage is a secured loan in which you get finance for movable property such as vehicles, yellow goods or heavy equipment, with the asset used as security.

In this case, the movable property is what is known as the chattel.

HOW DOES IT WORK?

Let’s say you run a supply store and need to add some delivery trucks to help you serve your clients better.

If you opt for a traditional loan, you will need to use your supply store as collateral for the loan before you receive the funds you need.

On the other hand, a chattel mortgage allows you to use the trucks you wish to purchase as security for the loan. The lender provides you with the funds for the trucks, and then takes a mortgage on them. Once you repay the entire amount, the trucks become completely yours.

Although the lender obtains a mortgage on the trucks, it does not limit your usage of the trucks in any way, and unconditional ownership of the trucks is transferred back to you once you make full repayment.

There are many benefits of a chattel mortgage compared to other finance structures.

BENEFITS OF A CHATTEL MORTGAGE

Chattel mortgages are the most popular financing option with lots of business owners for several reasons, including:

  • More Tax Relief
    With a chattel mortgage, you could pay significantly less in taxes!
    You should seek your own individualised tax advice, but there are common tax savings from a Chattel Mortgage when used by a company or sole trader:

    • The Instant Asset Write Off allows most chattel mortgage borrowers to fully depreciate the cost of the car on their next annual company tax return (reducing the company’s profit and associated tax liability).
    • GST registered entities can typically claim back the FULL GST amount on the car on the next BAS, often resulting in a GST input credit.
    • Most businesses and individuals can claim the interest expense.
  • Flexible Repayments
    A chattel mortgage allows you to repay the loan in a structure that suits you.
    You can add structured repayments during the loan term to suit seasonal ups and downs for your business. You can also choose to add a residual payment at the end of the loan term to lower your monthly repayments (you can typically refinance the residual payment under a new loan, sell the car, or just pay out the amount).
  • Lower Interest Rate
    Chattel mortgages come with lower interest rates than other car and equipment loan products.
    They’re far cheaper than unsecured loans like business loans, business cash flow funding and personal loans. And even compared to secured car loans that the public has access to, Chattel Mortgages typically have the lowest interest rates. That means more savings for you and your business.
  • Tailored to Your Needs
    We try to understand your individual and business needs and then match you with a lender that meets those specific needs while offering competitive rates and an easy approval pathway.
  • Determining Eligibility
    We encourage you to apply with us by calling us on 1300 301 051 or visiting the online application page at /apply.
    The process is straightforward and simple. Once we verify your application and approve it, you’ll have access to our top lenders ready to finance your vehicle purchase. If everything goes right, you could drive away in your new vehicle on the same day. A pre-approval doesn’t cost you anything or commit you to anything, but it does allow you to shop with confidence that you’ll be able to fund your new asset with a competitive interest rate.
  • Why Choose Auto Car Loans?
    At Auto car Loans, we have a network of leading lenders ready to provide business owners in Perth with the right chattel mortgages they need to move their businesses forward. Our expert finance brokers and customer-centric service make us the favourite choice with lots of business owners in the region.
    Need funds immediately? Then we are your best bet. Over the years, we have put a system in place that allows you to go from first phone call, to funded asset, within the same business day!

HOW YOU CAN GET A CHATTEL MORTGAGE

We understand how important it is for you to quickly access the funds you need. Therefore, at Auto Car Loans we’ve tried to make the process as fast and easy as possible.

Simply pick up the phone and call 1300 301 051 to speak with one of our expert consultants. They will only ask a few questions to get an idea of the type of chattel mortgage you need.

Once we assess your needs and your individual financial situation we’ll be able to match you with the right lender from our panel of over 50 funders.

CONTACT US TODAY

A chattel mortgage could help you get your business moving by acquiring that new car or piece of equipment! Our friendly and professional brokers will be happy to provide answers to any questions you have and give you all the assistance you need.

Are you ready to get started with an obligation free assessment and pre-approval? Then, get on the phone and call 1 300 301 051 right away.

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