Asset Finance

Asset Finance Solutions from Melbourne's Leading Mortgage Broker - Access Competitive Rates Across Australia

Rated 5 from 479 Reviews

Asset Finance Solutions Tailored to Your Business Needs

When your business requires new equipment, vehicles, or machinery to grow and thrive, Asset Finance provides the financial solution you need without depleting your working capital. AXTON Finance stands as Melbourne's premier Asset Finance Broker, offering businesses across Australia access to some of the best interest rates and loan options available in the market. Our experienced team of Asset Finance Brokers understands that every business has unique requirements, whether you're buying new equipment, upgrading existing equipment, or expanding your operational capacity. From office equipment and work vehicles to specialised machinery like excavators, tractors, graders, cranes, and dozers, we can help secure the right finance options for your specific business needs.

As the best Mortgage Broker specialising in Asset Finance, AXTON Finance provides access to Asset Finance options from banks and lenders across Australia, ensuring you receive competitive interest rates regardless of your loan amount. Our streamlined application process eliminates the complexity typically associated with applying for Asset Finance, allowing you to focus on running your business while we handle the paperwork and negotiations. Whether you're a small business owner looking to purchase a single vehicle or a large corporation requiring commercial equipment finance for multiple assets, our Asset Finance Brokers work tirelessly to match you with lenders who understand your industry and can offer flexible loan options that align with your cash flow requirements.

The importance of choosing the right Asset Finance structure cannot be overstated, as it directly impacts your business's financial health and growth potential. AXTON Finance offers various finance options including chattel mortgage arrangements, where your business owns the asset as collateral while benefiting from potential tax advantages, and Hire Purchase agreements that provide a pathway to ownership through the life of the lease. Our Asset Finance Brokers evaluate your specific circumstances to recommend the most suitable approach, whether you're financing a single vehicle, factory machinery, or an entire fleet of trucks and trailers. These flexible arrangements often feature fixed monthly repayments, helping you manage cashflow more effectively while acquiring the assets essential for your business operations.

Commercial equipment finance through AXTON Finance extends beyond simple lending - we provide ongoing support and advice to ensure your Asset Finance solution continues to serve your business effectively. Our Asset Finance Brokers maintain relationships with a diverse network of lenders, enabling us to secure competitive interest rates even for specialised or high-value assets that traditional banks might find challenging to finance. From construction equipment and agricultural machinery to office technology and transportation vehicles, we understand the unique financing requirements across different industries and can structure loan options that complement your business model and growth plans.

Choosing AXTON Finance as your Asset Finance Broker means partnering with professionals who prioritise your business success above all else. Our comprehensive approach to Asset Finance ensures you receive not just competitive rates and flexible terms, but also strategic advice on structuring your finance to maximise tax benefits and support your long-term business objectives. Whether you're based in Melbourne or anywhere across Australia, our team is committed to delivering exceptional service and securing the Asset Finance solutions that will drive your business forward. Contact AXTON Finance today to discover how our expertise in Asset Finance can help transform your business aspirations into reality.

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Common Questions About Asset Finance

What types of assets can be financed through Asset Finance?

Asset Finance through AXTON Finance covers a broad range of business equipment and vehicles, including office equipment, work vehicles, trucks, trailers, excavators, tractors, graders, cranes, dozers, and specialised machinery. Our Asset Finance Brokers can arrange financing for virtually any business asset that generates income or supports your operations. The specific assets eligible for financing may vary depending on the lender and loan amount, which is why consulting with our experienced team ensures you understand all available options. We recommend booking a Free Consultation with AXTON Finance to discuss your specific asset requirements and explore the most suitable finance options for your business needs.

How do interest rates for Asset Finance compare to other business loans?

Interest rates for Asset Finance are often more competitive than unsecured business loans because the asset itself serves as collateral, reducing the lender's risk. AXTON Finance, as leading Asset Finance Brokers, can access some of the best interest rates available from banks and lenders across Australia. The specific interest rate you'll receive depends on factors including the type of asset, loan amount, your business's financial position, and the chosen finance structure such as chattel mortgage or Hire Purchase. Our Asset Finance Broker team works to secure the most competitive rates for your circumstances. To understand the current interest rates available for your specific asset requirements, we encourage you to book a Free Consultation with AXTON Finance.

What's the difference between a chattel mortgage and Hire Purchase for Asset Finance?

A chattel mortgage allows your business to own the asset from the beginning while using it as collateral for the loan, often providing tax benefits through depreciation claims. Hire Purchase involves fixed monthly repayments over the life of the lease, with ownership transferring to your business at the end of the agreement. Both options offered through AXTON Finance provide different advantages depending on your business structure and tax situation. Our Asset Finance Brokers can explain the specific benefits of each approach based on your circumstances, helping you choose the most suitable commercial equipment finance structure. For personalised advice on which option best suits your business needs, book a Free Consultation with our experienced Asset Finance team.

How quickly can Asset Finance be approved and settled?

The timeline for Asset Finance approval varies depending on the complexity of your application, loan amount, and the specific lender requirements. AXTON Finance has developed a streamlined application process that significantly reduces the time typically required for applying for Asset Finance. Our Asset Finance Brokers work efficiently to gather necessary documentation and present your application in the best possible light to lenders. Many straightforward Asset Finance applications can be approved within days, while more complex commercial equipment finance arrangements may take longer. To get a realistic timeframe for your specific Asset Finance requirements, we recommend booking a Free Consultation with AXTON Finance to discuss your timeline and urgent business needs.

Can Asset Finance help with managing business cashflow?

Asset Finance is an excellent tool for managing cashflow as it allows businesses to acquire necessary equipment without large upfront capital expenditure. AXTON Finance structures Asset Finance arrangements with fixed monthly repayments that help you manage cashflow more predictably while preserving working capital for other business operations. Whether you're buying new equipment or upgrading existing equipment, spreading the cost over time through Asset Finance can improve your business's financial flexibility. Our Asset Finance Brokers can model different repayment scenarios to show how various loan options impact your cashflow. For detailed cashflow analysis and to explore how Asset Finance can benefit your business, book a Free Consultation with the AXTON Finance team today.

Get help from our Mortgage Brokers

We are passionate about delivering reliable client outcome and not just a cookie-cutter service. With over 100 years of combined industry experience, you can trust the team at AXTON Finance.

Joyce Cheng - Mortgage Broker at AXTON Finance

After a distinguished career in private banking at Macquarie Bank, Joyce recognised the value she could provide to clients in a smaller business setting, serving a diverse range of individuals from emerging wealth and high net wealth backgrounds.

Joyce Cheng

Senior Mortgage Broker

Nicole Campbell - Mortgage Broker at AXTON Finance

With over 20 years of experience working in senior mortgage broking roles, Nicole's experience means she has expert knowledge in lending. Whether it be complex lending structures or first home buyers, Nicole's focus is always reliable client outcomes.

Nicole Campbell

Partner Mortgage Broker

Luke Rowland - Mortgage Broker at AXTON Finance

Driven by a desire to empower his clients with the knowledge, resources and service to deliver results, Luke has earned a reputation, shown in his stellar career trajectory for his exceptional proficiency across the lending spectrum.

Luke Rowland

Partner Mortgage Broker

Access to Competitive Rates from Leading Lenders

Select from over 35 different lenders offering hundreds of mortgage products.

Our Reviews

We pride ourselves on being brokers you can actually trust, from the initial consultation through to annual reviews that we perform years after your settlement, our tailored services and relationship focus is built to last.

Need proof that we are one of Melbourne’s best mortgage brokerages? Don’t just take our word for it – we have hundreds of positive Google reviews from real clients so you can rest assured you’re making the right choice with choosing AXTON Finance.

Google Reviews

Rated 5 from 479 Reviews

Thoroughly professional from start to finish. Being new to the Australian house purchasing process, Nicole continually offered detailed guidance and made the whole process seamless. Highly recommend Axton Finance to others.

Mark Kaiser

Today

We used AXTON Finance to buy our new home. This involved refinancing 2 properties as well as arranging finance the for the new home. There were a lot of moving parts and AXTON Finance did it all, recommended loan strategies to minimise repayments and secured a better loan deal, 2% below what we were paying. For a non money person, I wouldn't have been able to do it on my own and they saved a ton of time, stress and running aeound in the process. Would recommend AXTON Finance and now they are assisting my mother with a downsizing loan strategy.

Ben Howie

2 days ago

Mortgage Broker ROCKSTAR! As a fist time user of the services of a mortgage broker, I found the guidance and the level of insight afforded by Melanie of the highest of quality and our engagements always exceed my expectations.

Mark Cocks

4 days ago

Very happy with the support Melanie gave us, she went up and above for us, we where a hard one as we had credit card debt, it it was a bit stressful, but Melanie did a wonderful job sorting our finances out.

Vicky Glendinning

5 days ago

We recently purchased an investment property and couldn’t be happier with the support we received from Nicole Campbell at AXTON Finance. From the very beginning, Nicole went above and beyond to make the process smooth, stress-free, and transparent. We're so grateful to have found Nicole! Nicole took the time to understand our goals, explained every step clearly, and was always available to answer our million questions. What really stood out was Nicole's proactive communication and genuine care in ensuring we secured the best loan structure and rate for our circumstances. Throughout the whole process, it was clear that Nicole cared about our goals and protecting our interests. Thanks to Nicole, our finance was approved ahead of schedule, and settlement went through without a hitch. We highly recommend Nicole to anyone looking for a dedicated, knowledgeable, and truly client-focused mortgage broker.

Eda Gul

5 days ago

I can’t recommend Joyce highly enough! From our very first conversation, she made the entire mortgage process simple and stress-free. She took the time to understand my situation, explained every option clearly, and went above and beyond to secure a fantastic rate. Communication was always prompt and professional — nothing was ever too much trouble. If you’re looking for a mortgage broker in Melbourne who genuinely cares about getting the best result for you, Joyce is the one to call.

Fraser Neale

This month

Amazing Mortgage Broker! I was very lucky to have Nicole Campbell on my side. Stayed true to her words and absolutely helpful! No question was ever stupid. Being a FHB I was unaware of certain processes and Nicole being very professional and experienced always assured me every step of the way. I had called a number of other mortgage brokers prior I settled with Nicole and definitely no regrets. Very hold your hand and walk you through the process which is hard to find now-days. Thank you again, Nicole!

Japheth B

This month

Highly recommended . Without sounding cliche, Adam did go above and beyond when refinancing our home loan. There was few bumps along the way, and he had clear communication with us the entire time and always returned calls and emails. I highly recommend Adam to anyone who is looking for a finance broker. Very reliable, thorough and easy to deal with.

Melissa M

This month

AXTON Finance - Melbourne's Best Mortgage Brokers

Frequently Asked Questions

How do rental income and tax benefits affect my investment loan application?

Investment properties offer unique advantages in terms of rental income considerations and tax benefits, but these vary based on your individual circumstances and the specific property. The tax implications can be complex and should be carefully considered as part of your overall investment strategy. Book a consultation to understand how these factors apply to your situation and investment goals.

Can I use equity in my existing home to buy an investment property?

Using existing property equity for investment purchases is a popular wealth-building strategy, but the approach varies depending on your financial position and goals. There are several structuring options available, each with different benefits and considerations. Our experts can assess your equity position and explain your options during a complimentary consultation.

How much can I borrow for a home loan?

Your borrowing capacity depends on various personal and financial factors. While general guidelines exist, your actual borrowing power is unique to your situation, income, and financial goals. The best way to understand your true borrowing capacity is through a personalised assessment. Contact us for a free consultation where we'll provide you with an accurate borrowing estimate tailored to your circumstances.

Can I refinance my existing home loan or investment loan to get a better rate?

Refinancing can offer significant benefits, but whether it's right for you depends on your current loan terms, financial situation, and future goals. Market conditions and available products change regularly, so it's worth having your loans reviewed. Contact us for a free loan review to see if refinancing could improve your financial position.

What deposit do I need for an investment property loan?

Deposit requirements for investment properties vary between lenders and depend on your overall financial profile. While there are general guidelines, your specific situation may open up different options or require alternative approaches. Let us assess your circumstances in a free consultation to determine the most suitable deposit strategy for your investment plans.

What documents do I need to apply for a home or investment loan?

Documentation requirements vary depending on your employment type, loan amount, and chosen lender. Rather than providing a generic list, we prefer to give you a personalized checklist based on your specific situation and loan type. During your free consultation, we'll outline exactly what documents you'll need and help streamline your application process.

What types of home loans does AXTON Finance offer?

We offer a comprehensive range of home loan solutions including owner-occupier loans, first home buyer packages, refinancing options, and specialised lending products. Every situation is unique, which is why we work with multiple lenders to find the right fit for your circumstances. Book a free consultation with our experienced brokers to discover which loan options best suit your needs and financial goals.

How long does the loan approval process take?

Processing timeframes can vary based on your situation, chosen lender, and current market conditions. While we work to expedite every application, each scenario is different. The best approach is to discuss your specific timeline needs during a consultation, where we can provide realistic expectations and work to meet your settlement requirements.

What is an investment property loan and how does it differ from a home loan?

Investment property loans are specialised financing solutions designed for rental properties. They have different requirements, benefits, and tax implications compared to standard home loans. The specifics can vary significantly based on your investment strategy and financial situation. Schedule a free consultation with our investment property specialists to understand how these loans work and whether they align with your investment goals.

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