Finance · Asset
Equipment that earns its keep from day one
Chattel mortgage, finance lease and rental — matched to how the asset is used and how your accountant wants it treated.
as at 15 November 2026
General information only and not credit assistance. Estimates are not an offer, quote or approval. Lending is subject to lender approval, terms, fees and charges. Next Step Financing Pty Ltd (ABN 77 680 857 416, Australian Credit Licence 384704, Credit Representative 563367).
Part of the IR Property Group one-roof team
Separate businesses. One roof. One plan.
Three structures, different tax outcomes
A chattel mortgage is a loan with the asset as security — you own it from the start and claim interest and depreciation. A finance lease is a rental arrangement, with payments generally deductible. Equipment rental keeps the asset off your balance sheet.
The right choice depends on your cash flow, your tax position and whether you intend to own the asset at the end. Get the accountant's view first; the lender can then structure it to match.
Before you apply
- Asset type, age and private-use percentage
- Deposit or trade-in value
- Term aligned to the asset's life
- Tax treatment confirmed by your accountant
How it works
- Quote and specification for the asset
- Structure selected with your accountant
- Application and business verification
- Approval and settlement directly to the supplier
Documents needed
- ABN and GST registration
- Recent BAS or financials
- Business bank statements
- Asset quote or invoice
- Trust deed or company records, if applicable
Common mistakes
- Choosing a lease for the payment without checking the tax treatment
- Financing an asset over a term longer than its useful life
- Ignoring the balloon, which can exceed the asset's value
- Not insuring the asset as required by the facility
as at 15 November 2026
General information only and not credit assistance. Estimates are not an offer, quote or approval. Lending is subject to lender approval, terms, fees and charges. Next Step Financing Pty Ltd (ABN 77 680 857 416, Australian Credit Licence 384704, Credit Representative 563367).
How a referral between businesses works
When the right next step sits with another business in the group, we ask you first. You decide whether the introduction happens.
- Client consent first — nothing about you is shared with another business without your agreement.
- Each business advises only within its own licence. IR Property does not give tax or credit advice, GBS advises on tax and accounting only, and Next Step Financing provides credit assistance only.
- Any referral fee, commission or benefit paid between businesses in the group is disclosed to you before you engage.
Common questions
Where to go next
Start with a conversation
One free consultation. Three services. No obligation.
Tell us what you're trying to do and we'll tell you plainly whether property, accounting, finance — or all three — is the right starting point.
Property notes, once a month
Market movement across Melbourne and regional Victoria, tax changes worth knowing about, and lending shifts explained without the spin.