Chattel Mortgage

Chattel Mortgage is the appropriate product for companies or business people needing to purchase a motor vehicle or other equipment whilst retaining ownership. The financier secures the loan by registering a charge over the goods.

Suitable For:

  • Anyone wishing to purchase goods that are for mostly business use.
  • Motor vehicles, trucks, industrial plant and equipment, earthmoving machinery, professional equipment.


  • No initial cash outlay necessary.
  • The goods themselves act as security, so your other assets are not tied up.
  • A balloon payment at the end of the term can be arranged to reduce the regular repayment amounts.
  • Flexible terms are available.
  • Depreciation and interest may be tax deductible.
  • Normally input tax credit on the total cost of the goods is claimed back on the first BAS Statement


  • Term 1 – 7 years
  • $25,000 +
  • Fixed interest rates
  • Flexible repayments and methods available

RTF Financial Services are a part of the S3F Group

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