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Smarter Chattel Car Mortgage

Just like a traditional mortgage, the Chattel Mortgage requires some form of security to ensure the lender that you are good for the loan amount. Using the soon-to-be-yours vehicle as “chattel”, we are able to help you put through your request for a loan while we take out a mortgage to act as the security.

In the meanwhile, you can drive the car away and use it as you wish while servicing the loan. When all the payments have been made at the end of the contract, you are granted clear title to your car. It’s as easy as that!

Fixed interest rates and monthly payments as well as contract tenure are just some of the attractive options for you today! And with the added benefits of tax deductibility and claimable GST, the Chattel Mortgage option is one of our top contenders for financial tools to help you finance your car!

When I heard from a friend about getting a company car loan, I was interested to get on board but scared of the complicated applications and approvals process. With the help of The Smarter Finance Company, they were able to help me get a novated lease used car approved and even facilitated the negotiations with my bosses so that things could happen smoothly!

I would highly recommend using their services if you were thinking of doing the same!

Alice Molle, Brisbane
As a business owner, we focus a lot on the operations of the business and it helps to be able to work with Rowan and his team when it comes to the needs of different departments of the company.

With Rowan’s help setting up a chattel mortgage and helping us to compare chattel mortgage interest rates, I would definitely recommend their services to my business partners as well.

Emma Lodewyckx, Sydney
Thanks to Rowan and the team at Smarter Finance Company, I’m a proud new owner of a chattel mortgage car.

Our new van is going to help us with business a lot and thanks to your helpful explanations and patience with me in the applications, I’m certain that both my wallet and my business accounts will benefit from the plan that we’ve put into place.

Thanks for supporting local small businesses like mine Rowan! Cheers!

John Darvall, Gold Coast
I would like to give a huge shout out to The Smarter Finance Company for their good work in helping me around my latest business vehicle purchase for my company. Thanks guys for helping me negotiate an excellent chattel mortgage interest rate.

After looking at the different options, I’m glad you persuaded me against a chattel mortgage loan and for taking the time to explain the differences so that I can see the immediate benefit to my company.

Cheers!

Jake Pethebridge, Melbourne
Finance Smarter

Benefits of a Chattel Mortgage

  • Flexible Contracts
  • Residual Value (balloon)
  • Fixed Interest Rates
  • Monthly repayments are fixed
  • Costs are known in advance
  • Deposit (either cash or trade-in) may be used
  • Tax deductions possible
  • Secured financing
  • Financial Options

    Our Chattel Mortgages plans are based on flexible contract terms that can range from 12 to 60 months – that’s up to 5 year repayment plans! Let us help you navigate all your different options for deposits – in terms of cash or using a trade-in vehicle, and balloon payments – leaving residual value, to help restructure your monthly repayment amounts to something that will suit your budget more closely.

    Interest Rates

    With the chattel mortgage interest rates being fixed, you can know your costs in advance because your monthly repayment amounts are also set a level that you are prepared to upkeep. With a Chattel Mortgage, the interest rates are even lower too, because the financing plan is secured against the vehicle as an asset itself!

    Tax Deductions

    Tax deductions are also available if you intend to use this new or used car for your business or company! If you are registered for GST, you can claim the GST stated on the vehicle price as an input credit for your next Business Activity Statement (BAS)! You’ll also be happy to know that we do not charge GST on the monthly repayments or the balloon amount on contract either because we want to make sure that you get the best deal.

Finance Smarter

Why Choose Us?

Reputable Lenders

What The Smarter Finance Company can help you with includes finding the right lender for your loan – getting a good interest rate is just the beginning!

Reputable Lenders

We can also help with figuring out what the best options are for you given the various interest rates such as the loan repayment period and other secured or unsecured options, mapping out the terms and conditions of maintaining and breaking the loan and of course, the length of repayment for the loan itself.

Compare & Save

The Smarter Finance Company wants to reach out to you and help you to sort out a good deal for the car as well as ensuring it is within your budget for now and all throughout the loan repayment periods.

Compare & Save

Our team will help you look at your financial plans and compare financing rates so that you can ensure that you’re not overpaying for the car that you’ve selected and you’re not overspending on one either!

Low Interest Rates

When it comes to financing rates for your car, there are a number of different things that need to be considered such as the type of interest rate that your loan will be based on.

Low Interest Rates

Variable or fixed rates can determine how your loan repayments can change while you are paying them off, fees and charges from the different lenders, secured or unsecured loans … We will help you understand and select the options that best suit your situation!

Same Day Approvals

As soon as you submit a quote we will contact you to help you go through the process. First we need the basic information so we can give you the best quotes we can offer.

Same Day Approvals

And when you make your choice we help you to apply by filling in the form together with you. This way you can be sure to get everything right from the first time and get your car finance and/or insurance approved the same working day.

100% Finance

Competition is strong in the car finance market and we already negotiated with them on your behalf to get 100% finance for your car.

100% Finance

With no money down or even negative equity, you can get the job done without the hassle. With so many different car finance lenders, we can always find you the right finance partner to meet your specific needs.

Obligation Free Quote

By submitting a quote request you’re not signing a contract, we simply offer you the best deal possible by comparing the offers that fit you best.

Obligation Free Quote

And we’re confident that you will compare that quote with other agents to then conclude we did give you the best offer. We’ve been in this market for years and know who to call to get you that extra option.

  • Get Your Free Finance Quote Today

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Chattel Mortgage Calculator