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Equipment Finance · Vehicles · Machinery · Tech & Fit-Outs

Fund Your Equipment
Without Draining Your Cash

Name: Mortgagefy
Address: Sydney, NSW, AU
Telephone: +61432634648
Price range: Free

Mortgagefy Broker Team · Published 2026-04-07 · Last reviewed 2026-04-29

Vehicles, machinery, computers, medical equipment, café fit-outs — we finance the assets your business needs while preserving your working capital. Fast approvals, competitive rates, flexible terms.

Fast Approval

Tax Effective

$0 Broker Fee

Check My Options Call 0432 634 648

Get My Equipment Finance Quote — Free

A mortgage broker will contact you within 24 hours. No obligation.

Finance Structures

Choose the Right Equipment Finance Structure

Each structure has different tax and ownership implications. We'll recommend the right one for your business situation.

Chattel Mortgage

You own the equipment from day one. Fixed repayments, potential GST credit upfront, and interest + depreciation may be tax deductible. Suits most businesses registered for GST.

You own the asset immediately

GST claim on full purchase price

Interest & depreciation deductible

Hire Purchase

The lender buys the equipment, you use it, and you gain full ownership at the end of the term. Lower upfront cost with set repayments across 1–7 years.

Fixed repayments over term

Own asset at end of term

Good for cash flow management

Finance Lease

Lender owns the equipment, you lease it. Payments are fully tax deductible as operating expenses. No balloon payment — return, upgrade, or buy at residual at end of term.

Lease payments fully deductible

Off balance sheet option

Flexible end-of-term options

What We Finance

From Utes to Medical Scanners — We Finance It

Vehicles & Utes

Plant & Machinery

Hospitality Fit-Outs

IT & Technology

Medical Equipment

Heavy Vehicles

Need Equipment Finance? Let's Compare Your Options.

Tell us what you're financing and we'll find the right structure and lender. Free, no obligation — a broker will contact you within 24 hours.

Get Equipment Finance Quote Call 0432 634 648

Equipment Finance FAQs

Yes. Many lenders finance new and used equipment. The maximum age of the asset at end of term varies by lender and asset type — usually 10–15 years for vehicles, longer for plant. We'll identify which lenders will accept the specific asset you want to finance.

Many lenders approve equipment finance within 4–24 hours for assets under $150K with a clean credit profile. Larger or specialist assets may take 2–5 business days. We prepare your application accurately the first time to avoid delays.

With a chattel mortgage you own the asset from day one — you can claim GST upfront and depreciate the asset. With a finance lease the lender owns it and you lease it — all lease payments are fully deductible as operating expenses. The right choice depends on your tax position, cash flow needs, and whether you want to own the asset. We'll advise.

Yes, equipment finance is often accessible for newer businesses because the asset itself provides security. Some lenders will approve equipment loans with as little as 3–6 months of trading history, particularly for vehicles and common business equipment. Good personal credit helps significantly.

Ready to Finance Your Equipment?

Get a free quote across our wide panel of lenders. A broker will contact you within 24 hours.

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Fund Your EquipmentWithout Draining Your Cash