Plant and Equipment Finance Australia
Chattel mortgage, hire purchase or lease — the right structure changes your GST position, balance sheet treatment and cash flow. We run a full tender across 60+ lenders to fund your equipment without tying up property security, at no cost to you.
Book a Free 15-Minute Finance AssessmentChattel Mortgage vs Hire Purchase vs Lease
- Chattel mortgage — you own the equipment from day one and the lender takes a mortgage over it as security. The most common structure for businesses that want the asset on their balance sheet and can claim the GST input tax credit upfront.
- Hire purchase — the financier owns the equipment until the final payment, at which point ownership transfers to you. GST is generally payable on each instalment rather than claimed upfront.
- Lease — the financier retains ownership throughout, and you pay to use the equipment, with an option to purchase, return, or re-lease at the end of term. Lease payments are typically fully tax-deductible.
The Questions Business Owners Are Asking
- Which structure gives me the best GST and tax outcome for this purchase?
- Can I finance used equipment, and does its age affect the loan term available?
- Do I need to offer property security, or can the equipment itself secure the loan?
- What deposit, if any, will a lender expect on new versus used equipment?
- How does financing a fleet of vehicles or machinery differ from a single asset purchase?
Why Businesses Choose Glenclair Financial
No property security required.
The equipment itself typically secures the finance, meaning you're not putting your home or business premises on the line to fund a truck, machine, or fit-out.
We match the structure to your tax position.
Chattel mortgage, hire purchase and lease all have different GST and depreciation outcomes. We help you and your accountant land on the right one before you sign anything.
A full tender run on your behalf.
We approach the banks and specialist equipment financiers best placed to fund your asset type, whether it's new, used, or a custom fit-out.
Zero cost to you.
We're paid by the lender as part of their standard costs. If we don't deliver clear value, you pay nothing.
Equipment Finance Solutions We Arrange
- Chattel mortgage, hire purchase and lease finance
- New and used equipment and machinery finance
- Vehicle and fleet finance
- Fit-out and renewable energy asset finance
- See our full range — Equipment & Asset services
Ready to Finance Your Next Piece of Equipment?
One conversation can show you which structure and lender genuinely suits your purchase and your tax position.
Book a free, no-obligation consultation with us today
Book a Free 15-Minute Finance Assessment