Individual Chattel Mortgage

Smart business finance for driven professionals.

An Individual Chattel Mortgage is a flexible, secured car loan ideal for business owners and individuals using their car more than 50% for business purposes. Think real estate agents, consultants, tradies, or anyone who’s on the road for work.

Unlike consumer car loans, this structure is tailored for commercial use – giving you ownership, tax potential, and finance flexibility.

Why choose this option?

You own the car from day one

Unlike other finance types (like a lease), a Chattel Mortgage gives you full ownership of the vehicle from the start. It's registered in your name — no end-of-term surprises.

More flexible (Non-NCCP regulated loan)

This loan sits outside consumer credit rules, meaning faster approvals, less red tape, and greater flexibility in structuring repayments or balloon amounts to suit your cash flow.

Tax benefits (check with your accountant)

If you use the car for work >50%, you may be eligible for GST credits, interest deductions, and depreciation claims. A great way to reduce your taxable income — but always get personalised advice.

Tier 1 lenders & competitive rates

We only work with reputable, top-tier lenders. That means sharp rates, trustworthy service, and finance you can rely on — without unnecessary extras or upsells.

Submit Your Details

Ready to take the next step? Submit your details below to get started with an Individual Chattel Mortgage — a straightforward, tax-effective way to finance your vehicle.

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Why Choose Crestwood

At Crestwood Wheels Finance, we do more than just loans — we make car buying easy. With access to a wide panel of lenders, personalised support, and loan solutions tailored to your needs, we take the hassle out of finance.

Trusted Partner

Honest advice and finance solutions you can count on.

Vehicles of All Types

Financing options for various types of vehicles and equipment.

5 Star Service

Dedicated support for a smooth experience.

Quick and Simple

Streamlined application for fast approvals.

No Credit Checks

Get pre-approved in minutes with competitive rates.

Flexible Financing

Flexible financing options for both dealer and private purchases.