Business assets and Vehicles – Mortgage Companion

Business Assets & Vehicles

Every business relies on essential assets — from vehicles and machinery to technology and tools — to operate efficiently and grow sustainably.

What Is Business Assets & Vehicles

Reliable vehicles and fit‑for‑purpose equipment sit at the heart of a healthy business, whether you are on the tools, on the road, or running a growing team. Business asset and vehicle finance lets you acquire or upgrade these essentials now and pay for them over time, keeping cash free for wages, stock and day‑to‑day expenses. Mortgage Companion helps structure and secure finance tailored to the way you work, so your fleet and equipment support growth instead of straining cash flow.

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How Asset Finance Works

With asset and vehicle finance, the vehicle or equipment usually serves as security for the loan, which can make funding more accessible than unsecured options. You use the asset in your business from day one while making regular repayments over an agreed term, often with the choice of a residual or balloon to help manage cash flow. Facilities can be set up as a chattel mortgage, lease, hire purchase or other structure, depending on how you want to manage ownership, end‑of‑term options and potential tax outcomes in consultation with your accountant.

Benefits for your business

Financing business assets and vehicles is designed to keep both your operations and your balance sheet in better shape. Key benefits include:

Preserving cash for everyday expenses and new opportunities instead of large upfront purchases.
Maintaining a modern, reliable fleet and equipment base that reflects well on your brand and reduces downtime.
Smoother budgeting through fixed, predictable repayments aligned with your income cycles.
Flexibility at the end of the term to own, upgrade or replace vehicles and equipment, depending on the structure chosen.

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.

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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.