Rates and Tax Benefits Guide

Chattel mortgage rates are shaped by asset type, trading history, ABN profile, term, and loan-to-value ratio. Tax outcomes often depend on business use percentage, GST registration, and depreciation treatment.

What can improve your rate profile

• Lower risk assets with clear resale value
• Consistent business financials and clean repayment history
• Reasonable deposits and balanced balloon structures

Tax notes

Businesses may claim input tax credits and interest-related deductions depending on usage and eligibility. Confirm final treatment with your accountant before entering into finance.