Choose the Right Finance Structure
Different finance structures offer different benefits. Understanding your options helps you make the most informed decision for your situation.
Chattel Mortgage
Own the asset from day one. Claim GST upfront and depreciation over time.
Best for: Businesses registered for GST who want ownership benefits
✓ Full ownership + tax benefits
Refinance
Replace your existing loan with better terms or lower rates.
Best for: Those with existing loans seeking better deals
✓ Lower rates + reduced payments
Quick Comparison
| Feature | Chattel Mortgage | Refinance |
|---|---|---|
| Ownership | Immediate | Existing asset |
| GST Claim | Upfront | N/A |
| Depreciation | Yes | Depends on structure |
| Best For | GST-registered businesses | Lowering existing repayments |
This is general information only. Please consult your accountant for tax advice specific to your situation.
Not Sure Which Structure Is Right?
Our team can explain the options in plain English and help you choose the most suitable structure for your situation.
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