Borrowing for vehicles, equipment, and business needs follows its own logic. Here is how each works and where a broker fits.

What is asset finance?

Asset finance is borrowing to buy something specific that holds value, such as a vehicle, machinery, or equipment, where the asset itself usually secures the loan. Because the lender has the asset as security, these loans can be more accessible and sometimes better priced than unsecured borrowing. It covers everything from a single work vehicle to a fleet or a production line.

How is car finance different from a normal loan?

Car finance is a form of asset finance secured against the vehicle. That security often means a lower rate than a personal loan. There are different structures depending on whether the car is for personal or business use, and the right one affects your repayments and, for businesses, your tax position. We match the structure to how you will actually use the car.

What are the main ways to finance a car?

A secured car loan, where the vehicle is the security and you own it outright at the end. A novated lease, where repayments come from your pre-tax salary through your employer. A chattel mortgage, common for business use, where you own the vehicle and can claim costs. And a finance or operating lease, where you use the vehicle and may hand it back at the end. Which one suits you depends on whether the car is personal or business, your tax situation, and whether you want to own it at the end.

What is a novated lease and who is it for?

A novated lease is an arrangement between you, your employer, and a financier, where your car repayments and running costs come out of your pre-tax salary. It can be tax-effective for employees, particularly with electric vehicles under current rules. It suits people in stable employment whose employer offers it. The numbers need checking against your specific situation.

What is a chattel mortgage?

A chattel mortgage is a common way for businesses to finance a vehicle or equipment. You own the asset from the start and the lender holds a mortgage over it until the loan is repaid. It can offer tax advantages for business use, including claiming the GST and depreciation. Your accountant will confirm the treatment, and we arrange the finance to suit.

Can I get finance to improve my business cash flow?

Yes. There are facilities designed for exactly this, such as overdrafts, lines of credit, and invoice finance, which advances money against unpaid invoices. These help bridge the gap between paying costs and getting paid. The key is matching the facility to the cash flow problem rather than taking on a loan that does not fit the pattern.

Can a broker help with business and asset finance, or just home loans?

Both. Asset, car, and business finance involve a wide range of lenders and products, and the right structure depends on how the asset is being used and what the finance needs to achieve. We work across all of these, not just residential lending.