Finance for the things that move you.
Flexible asset finance solutions for vehicles, equipment, and business assets..
Your Finance PartnerFinance for the assets you need.
Asset finance helps you purchase the vehicles, equipment, and machinery you need without paying the full cost upfront. Whether you're buying a family car, upgrading business equipment, or investing in new machinery, the right finance solution can help you spread the cost while preserving your cash flow.
With a range of loan types, lenders, and repayment options available, choosing the right asset finance solution is just as important as choosing the right asset. The ideal loan should suit your budget, lifestyle, or business needs while supporting your long-term goals.
At Spitfire Finance, we take the time to understand what you're looking to finance before comparing suitable options from our panel of trusted lenders. We'll explain your choices clearly, guide you through the application process, and help you secure a finance solution that's tailored to your needs.
Asset Finance FeaturesEverything you need to finance your next purchase.
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Vehicle Finance
Finance solutions for new and used cars, utes, motorcycles, caravans, boats, and more.
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Equipment & Machinery Finance
Fund the tools, machinery, and equipment your business needs to operate and grow.
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Flexible Loan Options
Choose from a range of finance products and repayment structures to suit your personal or business needs.
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Access to 60+ Lenders
Compare finance options from a broad panel of trusted lenders to find a solution that fits your goals.
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Competitive Interest Rates
We'll compare available lenders to help you access competitive finance options.
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Expert Guidance from Start to Finish
We'll explain your options, manage the application process, and help you secure the right finance with confidence.
A Simple Path to the Right Home Loan
Let’s Chat
Tell us about your goals and financial situation.
We Compare
We assess loan options from our panel of trusted lenders.
You Choose
We explain your options so you can make an informed decision.
Settled
We manage the paperwork and keep everything on track through to settlement.
Our CommitmentMore Choice. Less Stress. Better Outcomes.
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Access to 60+ Lenders
We compare home loan options from more than 60 trusted lenders, giving you greater choice and helping you find the right fit.
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Rated 5.0 by Clients
Our reputation is built on honest advice, responsive service, and helping clients achieve their property goals with confidence.
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All You Need Is One Person
You'll work with one dedicated broker from your first conversation through to settlement, with clear guidance every step of the way.
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No Cost (Paid by the Lender)
Our mortgage broking service comes at no cost to you, so you can access expert advice without paying broker fees.
Frequently Asked Questions
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These are the three most common ways to finance a vehicle or equipment, and the right one depends on how you’ll use the asset:
A chattel mortgage is typically used by businesses buying an asset for predominantly business use — you (or your business) own the asset from day one, and the lender takes a mortgage over it as security.
A novated lease is arranged through your employer as part of a salary packaging agreement, with lease repayments generally deducted from your pre-tax salary — this is usually a personal, not business, finance option.
A finance lease (or commercial hire purchase) has the financier retain ownership of the asset during the loan term, with an option to acquire it at the end. Each has different GST, tax, and ownership implications — well worth confirming the right structure with your accountant before you finalise the finance type, and we’ll help you compare lenders once you know which structure suits you.
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Depending on the finance structure you choose, there may be GST input tax credits, interest deductions, or depreciation benefits available on business-use assets. This is a genuine tax question that depends on your business structure, the asset’s use, and current tax rules — it’s outside what we’re licensed to advise on, but we’ll happily work alongside your accountant to structure the finance in a way that supports whatever they recommend.
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Most asset finance can be arranged with no deposit, though putting one down will reduce your regular repayments. Many loans also offer a “balloon” or residual payment — a lump sum due at the end of the term — which lowers your monthly repayments in exchange for a larger final payment (or refinance) down the track. This can suit assets you plan to trade in or upgrade regularly, like a work vehicle, but it’s worth thinking through whether you’re comfortable with that final payment before you commit.
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It can. Any asset finance repayment is treated as an existing debt commitment when a lender assesses your borrowing capacity for a home loan, the same way a car loan or personal loan would be. If you’re planning to apply for a home loan or refinance in the near future, it’s worth mentioning that to us before you take out asset finance, so we can factor the timing and the numbers into your broader plan rather than solving one at a time.
Still Have a Question?
If your question isn’t answered here, that’s exactly what we’re here for. Every situation is different, and general information can only take you so far.
Get Started and let’s talk through your specific circumstances.
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