Same-day approvals
Pre-approvals usually within hours. Settlement typically inside 24 to 48 hours once the lender has what they need.
Compare Chattel Mortgage Quotes
Low rates, expert advice & comparison of 50+ lenders by an award-winning team.
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How much do you need?
From $10,000 to $2,000,000. No credit check at this stage.
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What do you want to compare?
Fast, efficient and hassle-free. Sorted everything in less than 2 days with a better deal than I could find…
— Cameron F. · Director, Complete Feet Orthotics
Compare 50+ Major Lenders
Compare 50+Major Lenders
Our process is built around your business.
Low %
Competitive rates
Major banks, second tier and specialists compared on the same call.
$500k
Low-doc friendly
Up to $500,000 without financials, depending on lender and structure.
1:1
Personalised guidance from senior brokers
No call centres. No juniors. The same broker from your first call through to settlement.
Same-day
approvals
Pre-approvals usually within hours. Settlement typically inside 24 to 48 hours once the lender has what they need.
Low %
Competitive rates
Major banks, second tier and specialists compared on the same call.
$500k
Low-doc friendly
Up to $500,000 without financials, depending on lender and structure.
1:1
Personalised guidance from senior brokers
No call centres. No juniors. The same broker from your first call through to settlement.
How do we get low rates, fast approvals & barely ask for any paperwork?
More lenders on the panel
We compare majors, second tier and specialist financiers on the same call, so your deal goes to the lender most likely to say yes at the best rate.
Thousands of deals settled
Our brokers have structured thousands of approvals. We know which lender takes bank statements, which takes one BAS, and which will not budge.
Two decades of experience
Commercial lending experience means the file is packaged correctly the first time. That is what turns days of back-and-forth into hours.
Recent chattel mortgage approvals
A snapshot of recent vehicle finance approved through our Chattel Mortgage product.
Agriculture
Regional VIC
Chattel mortgage
Approved in 24 hrs
$150,000Toyota LandCruiser 2025
Showing approval 1 of 3: $150,000 Toyota LandCruiser 2025
Recent chattel mortgage approvals
Approved
$150,000
Toyota LandCruiser 2025
AgricultureRegional VIC
Chattel mortgageApproved in 24 hrs
Approved
$320,000
Mercedes G-Wagon 2024
EcommerceGold Coast QLD
Chattel mortgageSame-day approval
Approved
$78,500
Ford Ranger 2024
TradesBrisbane QLD
Chattel mortgageSame-day approval
Reviews from real Australian businesses
Google5.0★★★★★185+ reviews
I couldn't be more pleased with the service I received from Francis and Alex at Valco Group Financial Services. For the first time, my asset finance experience was truly seamless. From the initial application to the receipt of funds, I was treated with exceptional care and professionalism. Their communication and follow-up were outstanding, making me feel like a truly valued client. I will definitely be using their services again and highly recommend them to anyone seeking asset finance.
ND
Nicole Dewberry
The Tax Tailor
01 / 05
Reviews from Australian brands
Google5.0 from 185+ reviews. 5.0 from 185+ reviews.
The Tax Tailor
I couldn't be more pleased with the service I received from Francis and Alex at Valco Group Financial Services. For the first time, my asset finance experience was truly seamless. From the initial application to the receipt of funds, I was treated with exceptional care and professionalism. Their communication and follow-up were outstanding, making me feel like a truly valued client. I will definitely be using their services again and highly recommend them to anyone seeking asset finance.
ND
Nicole Dewberry
Brokers always beat dealerships
The same car, the same lender panel, a very different process.
Going through the dealer
Working with Valco Group
Limited to one or two lenders.
50+ lenders compared on every deal
Rates not disclosed upfront.
Transparent pricing, no rate hidden in the asset price
Pressure to sign on the same day as the vehicle
No pressure. Take your time, decide when you're ready.
Hidden fees common in dealer finance contracts
No upfront fees. We're paid by the lender on settlement.
Pushy salespeople.
Senior brokers working for you, not the dealer
Do you need tax returns for approval
of a chattel mortgage?
We can secure approvals for ABN holders on just bank statements or a single BAS. Here are four real approvals.
Recent approvals
ABN age
GST
Residential
Documents required
Uber
$81,000
3 months
Registered
Renter
90-day bank statements
Transport
$250,000
2 years
Registered
Home owner
Low-doc loan
Trades
$100,000
6 months
Registered
Renter
One quarter BAS
Retail
$42,000
4 months
Not registered
Renter
90-day bank statements
Approved
Uber
$81,000
- ABN age
- 3 months
- GST
- Registered
- Residential
- Renter
- Documents required
- 90-day bank statements
Approved
Transport
$250,000
- ABN age
- 2 years
- GST
- Registered
- Residential
- Home owner
- Documents required
- Low-doc loan
Approved
Trades
$100,000
- ABN age
- 6 months
- GST
- Registered
- Residential
- Renter
- Documents required
- One quarter BAS
Approved
Retail
$42,000
- ABN age
- 4 months
- GST
- Not registered
- Residential
- Renter
- Documents required
- 90-day bank statements
Approvals shown are real client outcomes. Your own requirements depend on the lender, the asset and your position.
How chattel mortgage repayments are calculated.
Four mechanisms you can use to change the structure of your loan to alter the repayment & effect how much interest you pay.
Chattel mortgage terms usually run from three to seven years. A longer term lowers the repayment but you pay interest for longer, so the total cost of the finance is higher.
The residual (or balloon) is an agreed lump sum left owing at the end of the term. You still finance the full amount, but less principal is repaid across the term, so the regular repayment is lower.
The rate depends on the asset, its age, how long your ABN has been registered, your GST and credit history, and your residential status, among other items.
Structured or irregular repayments can be tailored around seasonal cash flow, aligning payment timing with the periods your business earns income.
How chattel mortgage repayments are calculated.
Four mechanisms set your repayment: how much you borrow, how long you borrow it for, the residual left at the end of the term, and structures that can be shaped around seasonal income.
The term
Chattel mortgage terms usually run from three to seven years. A longer term lowers the repayment but you pay interest for longer, so the total cost of the finance is higher.
Longer term, lower repayments
The residual
The residual (or balloon) is an agreed lump sum left owing at the end of the term. You still finance the full amount, but less principal is repaid across the term, so the regular repayment is lower.
Refinance, payout, sell or upgrade
The rate
The rate depends on the asset, its age, how long your ABN has been registered, your GST and credit history, and your residential status, among other items.
Headline rates are often just marketing
The structure
Structured or irregular repayments can be tailored around seasonal cash flow, aligning payment timing with the periods your business earns income.
Tailored payments to suit cash flow
Monthly repayments by loan amount
50% residual
Loan amount
$30,000
$553.37
$15,000 owing at end
Loan amount
$60,000
$1,106.73
$30,000 owing at end
Loan amount
$120,000
$2,213.47
$60,000 owing at end
Above repayments are indicative only, subject to credit assessment and criteria. Request a quote for accurate numbers.
Prefer your own numbers?
Enter the amount you need and we calculate indicative weekly, fortnightly and monthly repayments across all three terms, then text them straight to you.
Common questions about chattel mortgage.
- Do I need a deposit for vehicle finance?
- In most cases, no deposit is required. Many vehicle finance applications are approved with zero deposit, depending on the vehicle, structure, and overall application.
- Can I finance a used vehicle?
- Yes. New and used vehicles of any age can be financed, subject to the vehicle and lender being matched correctly. Dealer purchases, private sales, and auction purchases are all supported.
- Can I get vehicle finance without providing tax returns?
- Yes. Low-doc vehicle finance is available with no financial documents required for loans up to $250,000, depending on the lender and structure.
- What types of vehicles can I finance?
- We arrange finance for most vehicles used by Australian businesses. This includes cars, SUVs, utes, vans, and vehicles with business fit-outs. Dealer, private sale, and auction purchases are all supported.
- Can a new business or new ABN get vehicle finance?
- Often yes. Most lenders want to see around three months of turnover before approving vehicle finance, so very new ABNs usually need to wait until they have some trading history. Approvals are based on experience, structure, and the overall deal rather than time in business alone.
- How long does vehicle finance approval take?
- Most vehicle finance applications are approved within the same business day once the required details are provided.
- What interest rates can I expect on vehicle finance?
- Rates vary based on the vehicle, age, business profile, and credit position. We compare multiple lenders to find the most suitable option rather than offering a single rate.
- What is the difference between a Chattel Mortgage and a Finance Lease?
- With a Chattel Mortgage, the business owns the vehicle from day one and GST is usually claimed upfront. With a Finance Lease, the lender owns the vehicle during the term and the business makes fixed lease repayments, with options available at the end of the lease.
- Can I get vehicle finance if I have bad credit or ATO debt?
- Yes, in many cases. There are lenders outside of the major banks that specialise in vehicle finance for businesses with credit issues or ATO debt, and many deals are still achievable.
- How do I calculate chattel mortgage repayments?
- A chattel mortgage repayment is calculated from the amount financed, the interest rate, the length of the term, and any residual left owing at the end. The residual is subtracted from the amount being repaid over the term, which is why a loan with a residual has a lower monthly repayment than one without. Enter your amount on this page and we will text you indicative weekly, fortnightly and monthly figures across three, five and seven year terms.
- What is a residual or balloon payment on a chattel mortgage?
- A residual, also called a balloon, is an agreed amount still owing at the end of the finance term. It lowers your regular repayments because you are only paying down part of the asset during the term. At the end you can refinance the residual, pay it out, or sell the asset to clear it. Residuals are typically higher on shorter terms and lower on longer ones.
- Do you have a chattel mortgage calculator?
- Yes. The quote form on this page is a chattel mortgage calculator: enter the amount you need and we calculate indicative weekly, fortnightly and monthly repayments over three, five and seven year terms and text them to you, with no credit check. If you would rather see figures without providing your details, the worked examples above show indicative monthly repayments at $30,000, $60,000 and $120,000 with the residual stated for each term.
- What terms are available on a chattel mortgage?
- Terms generally run from three to seven years for vehicles and equipment. Shorter terms carry higher repayments and usually a larger residual; longer terms lower the repayment and reduce the residual, but you pay interest over more years.
Ready to find out?
Or call us on (03) 8456 9966