Equipment Finance

Equipment Finance Solutions from Melbourne's Best Mortgage Broker - Access Competitive Rates Across Australia

Rated 5 from 479 Reviews

Equipment Finance Solutions Tailored to Your Business Needs

When your business requires new or upgraded equipment to maintain competitive advantage, AXTON Finance stands ready as your trusted Equipment Finance Brokers across Australia. Our comprehensive equipment finance solutions provide businesses in Melbourne and throughout Australia with access to competitive funding options for a diverse range of business assets. Whether you're looking at purchasing office equipment, work vehicles, specialised machinery, or commercial equipment, our streamlined application process ensures you can access some of the best interest rates available in the market. As Australia's leading Equipment Finance Brokers, we understand that every business has unique requirements, and our extensive network of banks and lenders enables us to match your specific business needs with the most suitable finance options.

The importance of having access to modern, efficient equipment cannot be overstated in today's competitive business environment. AXTON Finance recognises that buying new equipment or upgrading existing equipment often represents a significant investment that can strain your working capital. Our equipment finance solutions allow you to preserve your cash flow whilst still acquiring essential business assets such as trucks, trailers, excavators, tractors, graders, cranes, dozers, and factory machinery. From the best Mortgage Broker perspective, we approach each equipment finance application with a comprehensive understanding of how these assets contribute to your business operations and revenue generation. Our loan options are structured to align with your business cash flow patterns, ensuring that your equipment finance arrangements support rather than hinder your operational efficiency.

Navigating the various finance options available for commercial equipment can be complex, with different loan structures offering distinct advantages depending on your circumstances. AXTON Finance simplifies this process by providing expert guidance on options including chattel mortgage arrangements, where the equipment serves as collateral for the loan, and Hire Purchase agreements that provide a clear pathway to ownership. Our experienced team evaluates factors such as the loan amount required, the intended use of the equipment, and your business's financial position to recommend the most appropriate financing structure. Whether you're a small business requiring office equipment or a large operation needing heavy machinery, our equipment finance solutions are designed to accommodate businesses of all sizes across Melbourne and Australia.

The application process for equipment finance through AXTON Finance has been refined to minimise complexity whilst ensuring comprehensive assessment of your requirements. Our streamlined approach means that applying for equipment finance becomes a straightforward process, with our team handling the intricate details of liaising with multiple banks and lenders on your behalf. We leverage our established relationships across the lending industry to access Equipment Finance options that may not be readily available to businesses approaching lenders directly. This comprehensive market access, combined with our expertise in structuring commercial equipment finance deals, positions AXTON Finance as the preferred choice for businesses seeking efficient, competitive equipment financing solutions.

Choosing AXTON Finance as your Equipment Finance Brokers means partnering with professionals who understand the critical role that equipment plays in business success. Our commitment extends beyond simply securing competitive interest rates - we focus on structuring finance arrangements that support your long-term business objectives. Throughout the life of the lease or loan term, our relationship continues, ensuring that your equipment finance arrangements remain aligned with your evolving business needs. Whether you're expanding operations, upgrading technology, or replacing aging equipment, AXTON Finance provides the expertise and market access necessary to make informed financing decisions that drive business growth and operational efficiency.

Ready to chat to our team?

AXTON Finance

Common Questions About Equipment Finance

What types of equipment can be financed through your equipment finance solutions?

AXTON Finance provides equipment finance for a comprehensive range of business assets including office equipment, work vehicles, specialised machinery, trucks, trailers, excavators, tractors, graders, cranes, dozers, and factory machinery. Our Equipment Finance Brokers work with businesses across various industries, understanding that each sector has unique equipment requirements. Whether you're buying new equipment or upgrading existing equipment, our finance options can accommodate most commercial equipment purchases. The specific equipment eligible for financing may vary depending on the lender and loan structure, which is why we recommend booking a Free Consultation to discuss your particular equipment needs and explore the most suitable financing arrangements.

How do interest rates for equipment finance compare across different lenders?

As Equipment Finance Brokers with access to banks and lenders across Australia, AXTON Finance can help you access some of the best interest rates available in the market. Interest rates for equipment finance vary depending on factors such as the loan amount, equipment type, loan term, and your business's financial profile. Different lenders may offer varying rates for the same equipment, which is why working with experienced brokers like AXTON Finance provides significant advantages. We compare rates across our extensive lender network to identify competitive options that align with your business needs. To understand the current interest rates available for your specific equipment finance requirements, we encourage you to book a Free Consultation where we can provide personalised rate comparisons.

What's the difference between a chattel mortgage and Hire Purchase for equipment finance?

Both chattel mortgage and Hire Purchase are popular finance options for commercial equipment, each offering distinct advantages depending on your business circumstances. A chattel mortgage involves the equipment serving as collateral, with your business taking immediate ownership while the lender maintains a security interest. Hire Purchase arrangements involve gradual ownership transfer throughout the life of the lease, with full ownership transferring upon completion of payments. AXTON Finance evaluates your specific business needs, tax considerations, and cash flow requirements to recommend the most appropriate structure. The best option varies depending on factors such as equipment type, business structure, and financial objectives, which our experienced team can explain during a Free Consultation.

How long does the application process take for equipment finance?

AXTON Finance has developed a streamlined application process designed to minimise delays whilst ensuring comprehensive assessment of your equipment finance requirements. The timeframe for applying for equipment finance varies depending on factors such as the complexity of the equipment purchase, loan amount, and completeness of documentation provided. Our established relationships with banks and lenders across Australia often enable faster processing compared to direct applications. Generally, simpler equipment finance applications can be processed relatively quickly, while larger or more complex commercial equipment finance arrangements may require additional assessment time. During your Free Consultation, we can provide more specific timeframes based on your particular equipment finance needs and circumstances.

Can equipment finance be arranged for both new and used equipment?

Yes, AXTON Finance arranges equipment finance for both new and used equipment across a wide range of categories. Our Equipment Finance Brokers work with lenders who provide finance options for various equipment ages and conditions, though specific criteria may vary between lenders. New equipment typically offers broader financing options and potentially more competitive rates, while used equipment financing may have different loan-to-value ratios and assessment criteria. The age, condition, and type of equipment all influence the available finance options and terms. Whether you're considering new or used equipment, our comprehensive market access ensures we can identify suitable lenders and structures for your requirements. We recommend booking a Free Consultation to discuss the specific equipment you're considering and explore the most appropriate financing solutions available.

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.

Get in Touch