strategy.
Before a loan, a plan.
Every engagement opens with a complimentary Lending Strategy Session — ninety minutes devoted entirely to your goals.
Our services
Asset Finance
Finance for vehicles, equipment, and assets — structured around your cash flow, not the other way around.
Why it matters
Unlock the assets your business and lifestyle need — without tying up your capital
Whether you’re buying your next car, upgrading a fleet of commercial vehicles, or investing in heavy machinery, Financial Elements gives you access to a broad panel of specialist lenders so you can secure competitive finance tailored to the asset and the way you use it.
We arrange funding across every major asset class: car loans for personal and business use, commercial vehicle finance, equipment and plant finance, motorcycle, caravan and recreational vehicle loans, and even aircraft and marine finance. If it has a VIN, a hull number, or a serial plate, we can likely finance it.
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Choosing the right structure matters just as much as choosing the right rate. A chattel mortgage lets ABN holders claim GST credits upfront and depreciate the asset over its effective life — a genuine tax advantage. Finance leases and hire purchase agreements keep the asset off your balance sheet or spread payments to match the revenue it generates. For personal buyers, a consumer car loan with a fixed rate and clear terms removes the guesswork entirely.
Our brokers compare options from banks, non-bank lenders, and specialist financiers to find the structure — fixed or variable, with or without a balloon — that aligns with your budget and your accountant’s advice. We handle the paperwork, chase lender approvals, and keep you informed at every step so you can focus on what the asset will do for you, not the finance behind it.
Your adviser
Joshua Halls Finance Consultant
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Specialist Lenders
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Hour Conditional Approval
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Asset Categories Covered
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Is this you?
This is you if…
- Financing a vehicle, equipment, or machinery for your business
- You'd rather preserve cash flow than pay cash for the asset
- Weighing up chattel mortgage vs lease for the tax-effective structure
How it works
Four elements. One outcome.
Inside every Financial Elements engagement there is the same four-part sequence. We never skip steps. We never re-order them.
- 01strategy.Session
- 02structure.Modelling
- 03solutions.Lender match
- 04support.Annual review
Stage 01 / 04FE Method
structure.
The part that compounds.
Offset, redraw, split, fixed, variable — structure is the part that compounds for or against you. We model fourteen.
solutions.
The right one. Not the loudest.
A careful match across forty-plus lenders for the strategy and structure already agreed. We negotiate the rate and the small print.
support.
Reviewed yearly. Always.
A relationship, reviewed annually — rate, structure, product. Most brokers vanish on settlement. We schedule the next twelve.
The process
How It Works
5 steps
01 / 05
Tell us what you want to finance — vehicle, equipment, vessel, or something else — along with your budget and preferred structure. We will ask a few questions about your financial position and intended use (personal, business, or both).
02 / 05
We compare options across our panel of 40+ lenders, factoring in rate, fees, balloon flexibility, and approval likelihood. You receive a clear summary of the top options with no jargon and no obligation.
03 / 05
Once you choose a direction, we prepare and lodge your application with full supporting documents. Most conditional approvals come through within 24 hours; we keep you updated at every stage.
04 / 05
We review the loan contract on your behalf, explain every clause, and coordinate settlement with the dealer, private seller, or auction house. Funds are released directly so the transaction is seamless.
05 / 05
You take delivery of your asset with finance fully settled. Down the track, if you want to refinance, upgrade, or add another asset to your portfolio, we are here to help — no new application fee from us.
Why Choose This Service
Competitive Rates Across 40+ Lenders
We compare car loan and equipment finance rates from banks, credit unions, and specialist financiers so you get a deal that genuinely suits your risk profile — not just the headline rate.
Fast Approvals — Often Within 24 Hours
Our pre-vetted lender relationships and streamlined application process mean conditional approval can land in your inbox the same business day, so you never miss the asset you want.
Tax-Effective Structures
Chattel mortgage, finance lease, and hire purchase options let ABN holders claim GST credits upfront, depreciate assets under ATO effective-life rules, and potentially deduct interest — reducing the true cost of ownership.
New and Used Assets Welcome
Buying brand-new from a dealer or picking up a quality used vehicle at auction — we have lender options for both, including older equipment that mainstream banks often decline.
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Asset Categories Covered
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Asset categories financed
Start the conversation
Ready to Get Started?
Fill in the form below and one of our advisers will be in touch within 24 hours.
Frequently Asked Questions
Under a chattel mortgage, you own the asset from day one and the lender holds a mortgage over it as security. You can claim GST credits on the purchase price in your next BAS, depreciate the asset under ATO effective-life schedules, and deduct the interest portion of each repayment. This is the most common structure for ABN holders who want to claim the vehicle or equipment on their balance sheet.
A finance lease, by contrast, means the lender owns the asset and leases it to you for an agreed term. Lease payments are generally tax-deductible as an operating expense, and the asset stays off your balance sheet — which can be useful if you want to preserve borrowing capacity. At the end of the lease you can purchase the asset for its residual value, re-lease, or hand it back.
A balloon (or lump-sum) payment is a larger final instalment due at the end of your loan term. By deferring part of the principal, your regular monthly repayments are lower throughout the life of the loan — freeing up cash flow for other purposes.
The trade-off is that you pay more interest overall because the outstanding balance reduces more slowly. When the balloon falls due you can pay it outright, refinance the remaining amount, or — if you are on a lease — return the asset. Balloons suit buyers who expect to trade up regularly, want lower monthly outgoings, or plan to use the freed-up cash productively elsewhere. We model both scenarios so you can compare the total cost before committing.
Yes — provided the asset is used to produce assessable income, several deductions are typically available. Under a chattel mortgage or hire purchase, you can generally claim depreciation on the asset (using the ATO’s effective life or the instant asset write-off if eligible), deduct the interest component of repayments, and claim GST credits on the purchase price if you are registered for GST.
Under a finance lease, lease payments are usually deductible as a business expense. If the asset is used partly for private purposes, deductions must be apportioned accordingly. We always recommend confirming the specifics with your accountant or tax adviser, and we are happy to work alongside them to ensure your finance structure is aligned with your tax strategy.
A novated lease is a three-way agreement between you, your employer, and the finance company. Your employer deducts lease payments and running costs (fuel, insurance, registration, servicing) from your pre-tax salary, which can significantly reduce your taxable income. The lease “novates” the obligation from you to your employer for the term of your employment.
Because repayments come from a mix of pre-tax and post-tax salary, many employees find a novated lease more cost-effective than buying outright or financing personally — especially on vehicles under the luxury car tax threshold. If you change employers, the lease can usually transfer to your new employer or revert to you. We arrange novated leases through specialist providers and handle all the coordination so you and your payroll team have a smooth experience.
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Book a complimentary Lending Strategy Session. We'll spend ninety minutes on your goals, your structure, and what good actually looks like for your decade.