Structure first, then lender
Chattel mortgage, lease, hire purchase, rent-to-own. Each handles GST, depreciation, and ownership differently. The right structure for your accounting setup usually decides which lenders are even in the conversation.
Asset finance
Asset finance, structured around your tax position. Not just your purchase.
Vehicles, equipment, machinery, fit-outs. Chattel mortgage, finance lease, or rent-to-own. Choosing the structure right is half the value.
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Why VGFS for this
Why VGFS for this
GST handled the way it suits you
Chattel mortgage lets you claim GST upfront. Lease spreads it across repayments. We'll explain which works for your tax position and check with your accountant if you want.
Two senior brokers, every deal
Francis and Alex handle every file personally. The structure conversation happens with us, not a script. No call centres, no junior referrals, no handover.
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Tell us about the asset.
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Frequently asked
Common questions about asset finance.
- What's the difference between asset finance and equipment finance?
- Asset finance is the broader bucket. Equipment finance is one type of asset finance. Other types include vehicle finance, technology finance, and commercial fit-out finance. The label matters less than picking the right structure.
- What structures do you arrange?
- Chattel mortgage, finance lease, hire purchase, rent-to-own. Each has different tax and ownership implications. We'll walk you through which one suits your situation before we even start comparing lenders.
- Can I finance multiple assets at once?
- Yes. Multi-asset facilities and master agreements are available. Useful when you're replacing a fleet or fitting out new premises.
- Do I end up owning the asset?
- Usually yes, depending on the structure. Chattel mortgage means you own it from day one. Finance lease means the lender owns it during the term with options at the end. We'll explain what each path looks like.
- What happens at the end of the term?
- Most structures end with you owning the asset, either through the final balloon payment or scheduled buyout. Some structures give you the option to refinance, trade up, or hand back. Worth thinking about before you sign.
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