Asset finance.

Invest in new equipment or upgrade your business assets to grow your business.


Asset finance can also be confusing. Whether it’s selecting the right lending option – commercial hire purchase, chattel mortgages, novated leases and finance leases – or choosing the right lender, there’s a lot to consider.

Q Mortgage’s Assets service helps our clients get the best finance loans for assets – whatever you need, whatever you need it for.

Drawing on our years of industry experience and strong business relationships, we can help you understand the differences between each loan type and structure, and recommend the best lender for your circumstances, whether it’s for commercial or personal needs.

We understand that up-front capital outlay to get a business going can be expensive – especially when it comes to big-ticket items including assets. Or, perhaps you just need a personal loan. If you need a loan for one piece of equipment or several, we can access a range of finance products from our network of lenders, so you can get what you need – and get on with business.

Vehicle, equipment and asset types
We work with a range of businesses and have access to a broad network of lenders, so can arrange finance for vehicle, equipment and assets, including:

  • Cars, vans, trucks
  • Construction equipment such as excavators and bobcats
  • Agricultural and farm equipment such as tractors, headers and harvesters
  • Heavy industry equipment, such as manufacturing plant
  • Solar panels and clean energy equipment
  • Computers and office equipment
  • Medical and dental equipment

Whatever you need, we can arrange the right finance, while saving you time, money and the hassle of running around to different lenders. With one point of contact throughout the whole process, we provide a streamlined, stress-free experience, so you can focus on your business.

Got any questions?

If you’re thinking about asset, vehicle or equipment loans, asset finance or vehicle financing, or you’d like more information, call Natalie to arrange a consultation.

The asset finance process.

It’s simple. We’ll find you the right asset finance solution that works in your best interest.

Get in touch
  • Say hello

    Get in touch to discuss your current financial situation and goals, in person or online.

  • The shortlist

    We’ll research our panel of banks and lenders to create a shortlist of asset finance solutions that suit you. 

  • Pre-approval

    Once you’ve chosen a lender, we'll get you pre-approved.

  • You go shopping

    Time for you to decide on the equipment you need to run or expand your business.

  • Secure the finance

    We’ll complete all of the paper to work to secure finance from your lender.

  • You're done!

    The agreement is finalised, the asset purchased and you can begin to enjoy using it, without a large lump sum outlay.

Other things to consider: Balloon payments.

  • What?

    You choose to pay a larger sum of the loan value at the end of the loan term. The sum you pay is usually based on a fixed percentage of the total loan value.

  • Why?

    Reduce your repayments when you first start paying off the loan.

    Consider how this will affect the amount of interest you pay over the life of the loan and the total amount that is left to pay at the end of your monthly repayment term. The remaining sum will need to be paid in full in one lump sum.  

  • How do I know if this is right for me?

    We can help you understand whether this approach suits your needs and run through the considerations and benefits in more detail. Get in touch.

How will a balloon payment impact my repayments?

Compare how your monthly loan repayments will vary based on your balloon payment percentage.

Ask us a question.

We're here to help.