Vehicle, Plant & Equipment

Fast and flexible asset finance options!

Gain Access
to Great Rates

With access to a range of specialist asset lenders on our panel, we'll compare the most competitive rates available to find a loan that’s just right for you.

Recieve Expert
Advice & Guidance

Our team of asset lending specialists have the knowledge, tools and experience to help you reach your goals faster.

Save Time, Effort
& Money

Our straightforward loan process makes it so much easier for you, saving you time and effort - all from the comfort of your own home.


Our customers love us because we support & value them. We’re always friendly, eager to help & available whenever we're needed.

Our Reviews

Our customers’ experience speaks for itself!

[grw id="8832"]

Gain access to the best
rates from leading lenders!

Helping you grow the business you want

If you’re looking for equipment finance to take your business to the next level, then you’ve come to the right place. At My Property & Finance, we can offer you a range of asset finance options for essentially any “income producing” business equipment, plant and machinery, including;

  • cars, commercial vehicles, trucks & trailers
  • earth-moving & farm machinery
  • medical & dental equipment
  • computer hardware & office equipment
  • restaurant fit-outs
  • industrial plant & machinery

Competitive rates on the latest finance packages

At My Property & Finance, we understand that there isn’t a ‘one size fits all’ approach to equipment finance. Whether you’re looking for a chattel mortgage, finance lease or commercial hire purchase, we’ll take the time to develop a clear understanding of your position and where you want to get to, then arrange your finance accordingly. With access to an extensive panel of asset finance lenders, our dedicated team of lending specialists will help you secure fast approvals and competitive rates on the latest finance packages and products for all your business needs.

Understanding asset finance

Choosing the right type of finance to buy the equipment and assets you need can mean the difference between thousands of dollars saved or spent. To help you choose the right finance for your business, it’s important to understand what options are available. Under some arrangements, the lender becomes the owner of the equipment, machinery or car and you “hire” the item back from them for business purposes. In other cases, you become the owner of the equipment, machinery or car but the bank uses the asset as security for the loan.

Before making any decisions, it’s vital to consider the cash-flow and tax implications, such as having access to the depreciation expense on the asset, and recouping GST (if applicable). We always recommend that you speak to your accountant before committing to anything.

The most common finance options for Business Asset Purchase include:

A chattel mortgage is a popular method of financing new equipment because you “own” it and are not subject to any restrictions in regards to how to use it (as you would be with a hire purchase agreement). A chattel mortgage works by allowing the customer (that’s you, if you’re a business owner) to take possession of the vehicle, plant or equipment at the time of purchase. The customer then makes regular monthly repayments back to the lender. Then after all of the repayments are made, the finance contract is closed and the business owns the equipment outright. In terms of it’s structure, this finance option most resembles a standard residential mortgage, in so far as the lender gives you the cash to purchase the equipment then uses the equipment as security for the funds.

A finance lease is a product that allows the customer (that’s you, if you’re a business owner) to have use of the vehicle, plant or equipment while the actual ownership of the item resides with the lender. Essentially the lender purchases the item and leases it to you for an agreed term for a set cost per month. At the end of the lease term, you can either trade in the item for a new one, pay a pre-determined residual value and take ownership of the item, or re-finance the residual and continue paying the lease. It’s worth noting that with a standard equipment lease agreement you are not committed to buying the equipment at the end of the term, which can be beneficial in cases when you know you’ll need to upgrade after a period of time once the equipment has become obsolete.

This is also called asset purchase and is similar to finance lease, except that customer (that’s you if you’re a business owner) immediately owns the vehicle, plant or equipment once the final payment for the item is made.

To find out more about your equipment finance options, contact My Property & Finance today!

Boost your business with our asset finance options!

Call My Property & Finance on 1300 672 633, or submit your details and one of our Mortgage Specialists will contact you within 24 hours (Mon - Fri) to chat about your finance options.

Request your free quote now!