Side-by-side comparison of lease options versus chattel mortgage for business vehicles.
This guide is built for business operators choosing ownership or leasing structures. It maps structure fit, approval expectations, and next-step pathways so you can move from research to lender-ready action.
| Question | Why it matters | Typical path |
|---|---|---|
| Do you need ownership? | Impacts GST and depreciation treatment. | Chattel mortgage if ownership is priority. |
| Will you replace every 3-4 years? | Affects residual and disposal risk. | Finance or operating lease can suit. |
| Is this mixed business/private use? | Changes tax evidence requirements. | Keep logbook and accountant guidance. |
Use one enquiry to compare commercial lending options aligned to this scenario.