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

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


Submit online application

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

Google Rating
Based on 1706 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

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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.


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.


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.


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!


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.


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!