Commercial Finance

Chattel Mortgage for Trailer Finance

A chattel mortgage is the most popular business finance structure for trailer purchases. Own the trailer from day one, claim GST upfront, and deduct interest and depreciation through your tax return.

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About This Finance

Chattel Mortgage for Trailer

A chattel mortgage is the most popular business finance structure for trailer purchases. Own the trailer from day one, claim GST upfront, and deduct interest and depreciation through your tax return.

✓Own the trailer from day one
✓Claim full GST on next BAS
✓Interest and depreciation tax deductible
✓Fixed repayments over agreed term

Why Use a Specialist Broker?

✓Access to 40+ bank and non-bank lenders
✓Specialists in trailer finance specifically
✓Consumer and commercial options available
✓Low doc pathways for ABN holders
✓One application, multiple lenders assessed
✓No impact on your credit score at enquiry

Free Enquiry

Get Matched With a Specialist Broker

Tell us what you need — we connect you with a broker who specialises in exactly this trailer type. Free. No obligation. No credit score impact.

✓Own the trailer from day one
✓Claim full GST on next BAS
✓Interest and depreciation tax deductible
✓Fixed repayments over agreed term

Common Questions

Chattel Mortgage for Trailer: FAQs

Chattel mortgage suits GST-registered businesses that want to own the trailer, claim the GST upfront, and hold the asset on their balance sheet.

Yes. If you are GST-registered, you can claim the full GST on the trailer purchase price in your next BAS — even though you are paying over time.

A balloon payment is a lump sum due at end of term. It reduces your monthly repayments during the loan. At end of term you pay it off, refinance it, or sell the trailer.

Yes. Used trailers are funded under chattel mortgage, subject to the lender's age and condition policies.

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