Links Property Finance · Mortgage broker in Sydney: Asset and Equipment Finance

Vehicles, utes and vans are the bread and butter; beyond them, trade tools, machinery, kitchen and medical equipment, IT hardware and most income-producing gear with a resale market.

The stronger and more standard the asset's secondhand value, the better the terms, highly specialised or rapidly obsolete equipment finances on tighter conditions.

Not always. For established ABNs at moderate amounts, many financiers run low-doc processes from bank statements and a clean repayment record. Larger amounts, younger businesses and unusual assets bring fuller assessment. The documentation level is itself a matter of financier selection, part of what gets matched.

It can be, if it is set below the asset’s likely value at the end of the term: it keeps repayments matched to earnings, with the asset’s sale or a refinance covering the residual.

Set optimistically high, as car-yard finance often does, it leaves you owing more than the vehicle is worth at exactly the moment you wanted to replace it. We size balloons from resale evidence, not from what makes the weekly figure look pretty.

It can: any repayment reduces borrowing capacity, and the question is how much and for how long. A short term ending before you buy, or a structure inside the business entity where appropriate, can soften the impact.

This is exactly why the asset conversation and the property conversation belong with someone who can see both.

No: chattel mortgages and their tax treatment are for business use, and a car used privately is consumer lending under different rules and protections.

Mixed use is apportioned, and the accurate percentage matters at tax time. Tell us the real usage and we'll point the file at the right kind of finance; the wrong label helps nobody.