Get the right vehicle finance without overpaying or tripping up your tax position, cash flow, or borrowing power later.
A vehicle loan should be simple — but the wrong structure can cost you in interest, tax, and flexibility (especially if you’re a business owner or buying through an ABN). We help Melbourne clients choose the right setup — chattel mortgage, finance lease, novated lease, or consumer loan — and we pressure-test it against your real-world cash flow and tax outcomes. You’ll know what’s best before you sign anything.
IS THIS RIGHT FOR YOU?
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You’re buying a car, ute, van, or equipment and you’re not sure whether to finance personally or through the business.
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You’ve been quoted a loan or lease and you want to know if the rate, fees, balloon, and structure actually stack up.
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You’re worried a new vehicle loan could reduce your home borrowing capacity (or derail a refinance).
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You need to preserve cash for growth, stock, wages, or tax, but still want a reliable vehicle now.
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You’re unsure how GST, depreciation, instant asset write-off rules, or logbooks impact what you should do.
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You want approvals fast, but not at the expense of getting stuck with the wrong lender or nasty payout terms.
HOW IT WORKS
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Quick fact find (10–15 mins)
We confirm what you’re buying, how it’s used (personal vs business), your income type, and your timeline. -
Structure decision first
We compare the right options for your situation (chattel mortgage vs lease vs personal loan) and explain trade-offs in plain English. -
Numbers check (cash flow + borrowing power)
We model repayments, balloon/residual, total cost, and how it impacts future lending (including home loan servicing). -
Lender selection + approval
We shortlist lenders based on rate, policy fit, credit profile, doc requirements, and payout flexibility — then package the application. -
Settlement + handover
We coordinate with dealer/broker/supplier and confirm the loan is set up correctly (including GST invoicing if applicable).
WHAT MAKES US DIFFERENT
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Finance + tax under one roof → you don’t just get “a loan”, you get the right structure for after-tax cost and long-term strategy.
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Advice-first, not rate-first → the cheapest rate can be the most expensive mistake if the balloon, fees, or payout terms are wrong.
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We protect your future borrowing power → we check how the vehicle finance affects your home loan plans, refinances, and business funding.
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Melbourne-based and deal-aware → we work with local dealers and real client scenarios, not generic “calculator advice”.
Frequently asked questions
What’s the difference between a chattel mortgage, finance lease, and personal loan?
A chattel mortgage is commonly used for ABN buyers where the business owns the vehicle and claims GST/depreciation where eligible. A finance lease is usually about business use with different ownership and residual mechanics. A personal loan is simpler but may be less tax-effective for business use — we’ll match the structure to how you actually use the vehicle.
Will a vehicle loan reduce my home loan borrowing capacity?
Often, yes. Even if it’s “good debt,” lenders still count the monthly commitment when assessing your servicing. We’ll show you the impact upfront and, if needed, adjust the structure (term, balloon, lender choice) to minimise the damage.
Can I claim GST and tax deductions if I buy through my ABN?
Potentially — but it depends on the vehicle type, how it’s used, and how it’s documented. We work with you (and your accountant, or our accounting team) to make sure the finance and tax records line up properly.
How fast can I get approved?
If your documents are ready, approvals can be quick — sometimes same day depending on lender and profile. If you’re self-employed or have non-standard income, we’ll choose lenders and documentation pathways that avoid delays.
What will this cost me to arrange?
We’ll be transparent about any brokerage/introducer commissions and whether a separate advice fee applies for more complex structuring work. If there’s a conflict (e.g., a lender pays more), we’ll tell you — and still recommend what’s best for you.
Next Step
Chat with DFG today
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