Asset Finance – Mortgage Companion

Power Your Business Growth with Smart Asset Finance

Don’t let equipment costs stall your momentum. Acquire the vehicles, machinery, and technology you need today while keeping your capital working for you.

What Is Asset Finance?

Keeping your business moving often depends on the quality of your vehicles, equipment, and technology – but paying for everything upfront can put real pressure on cash flow. Asset finance lets you spread the cost over time so you can upgrade, expand or replace essential assets without draining your working capital. Mortgage Companion works with you to structure the right facility and match you with lenders that understand your industry, helping you protect cash while accessing the tools you need to grow.

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How the finance works

With asset finance, the equipment or vehicle often serves as security for the facility, which can make approval more accessible than unsecured lending. You pay for the asset over an agreed term with predictable repayments, while using it in your business to generate income from day one. Depending on your needs and accountant’s advice, this may be set up as a chattel mortgage, lease, hire purchase or other structure to balance cash flow, ownership and potential tax outcomes.

Benefits for your business

Asset finance is designed to keep your balance sheet and day‑to‑day operations in better shape while you invest in growth. Key advantages include:

Preserving working capital for wages, stock and other running costs instead of tying it up in large lump‑sum purchases.
Accessing higher‑quality or newer equipment than might be possible if paying upfront.
Smoother cash flow through fixed, scheduled repayments that are easier to plan and budget around.
Potential tax benefits on interest, depreciation or repayments, depending on the structure and how the asset is used in your business (always confirm with your accountant).

Types of Asset Finance We Offer

Beyond standard home loans, we help clients at every stage of property ownership.

Vehicle Finance

Finance options for cars, vans, utes, and commercial vehicles. Ideal for businesses needing reliable transport or expanding their fleet without large upfront costs.

Equipment Finance

Funding for machinery, tools, and specialised equipment across industries like construction, medical, transport, hospitality, and manufacturing. Helps you stay productive with modern, efficient equipment.

Technology & IT Finance

Flexible finance for computers, servers, software, and tech upgrades. Perfect for businesses wanting to stay ahead with the latest technology while spreading costs over time.

Heavy Machinery Finance

Tailored solutions for excavators, loaders, trucks, and industrial machinery. Designed for businesses in construction, mining, agriculture, and logistics.

Fit‑Out & Asset Upgrade Finance

Finance for shop fit‑outs, office upgrades, and commercial refurbishments. Helps you create a professional, functional space without draining your cash reserves.

Why Australians Choose Mortgage Companion

Tailored Advice

We don’t believe in one‑size‑fits‑all lending. Your goals, lifestyle, and financial situation shape our recommendations.

Access to multiple lenders

We compare loans from major banks and specialist lenders to find options that suit your situation, not just one brand.

Local & national knowledge

We understand the Australian lending landscape and how policies vary between lenders.

Support from start to finish

You deal with a real broker who stays involved until the loan settles and beyond.

Proven Client Satisfaction

100% recommendation rate from reviews, with clients highlighting our dedication and outstanding results.

Long-term guidance

We check in over time to make sure your loan still suits your needs as rates and circumstances change.

Now It's Your Turn

Most Trusted Mortgage Broker in Perth

With a track record of satisfied clients and trusted advice, we’re committed to helping you achieve your financial goals with confidence.

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Frequently Asked Questions

Answers to common questions about our services, how we work, and what to expect at each stage.

How much deposit do I need for a home loan?

Most lenders prefer a 20% deposit, but you can still buy with as little as 5% depending on your situation. Some government schemes also allow eligible buyers to purchase with a smaller deposit.

How long does home loan approval take?

Pre‑approval usually takes 1–3 business days, depending on the lender and how quickly documents are provided. Final approval can take 5–10 days after you’ve found a property.

What documents do I need to apply?

Typically:

Payslips or income statements
Bank statements
ID (driver’s licence or passport)
Details of existing loans or debts

We’ll give you a simple checklist so nothing gets missed.

Should I choose a fixed or variable interest rate?

It depends on your goals.

Fixed rates offer stability and predictable repayments.
Variable rates offer flexibility and potential savings if rates drop. We help you compare both options based on your financial plan.

Can I get a home loan if I’m self‑employed?

Yes — absolutely. Self‑employed borrowers may need extra documentation (like tax returns or BAS statements), but there are plenty of lenders who specialise in these situations.