Equipment Finance

Heritage Finance’s advisory capabilities are carried out by a dedicated and senior team which is experienced in all relevant areas such as structured equipment finance, working capital, property and deal execution. We demonstrate this capacity across two distinct channels:

Asset Finance

Heritage Finance is a leader in asset finance services, with emphasis on:

Chattel Mortgage

  • Fixed interest and repayments
  • Purchase or trade in asset
  • Flexible terms and structures*
  • Nil GST charged on repayments

Hire Purchase

  • No deposit required
  • Purchase the asset outright anytime
  • Interest & depreciation tax benefits for businesses

Novated Lease

  • Using pre-tax dollars – You can salary package a novated lease which can increase your take-home pay.
  • Exclude GST – This gives you an extra 10%.
  • Lease multiple vehicles
  • Unrestricted use – Your vehicle can be used for work or private use.
  • No deposit – Drive your car away with no deposit.
  • Flexible terms – Upgrade to something new whenever you want – you aren’t locked in.

Finance Lease

  • Protect working capital
  • Potential rental repayment tax benefits

* Monthly repayments can be managed by setting a residual value (balloon) enabling you to set the amount owed at the end of the loan term. At the end of the loan, you can either purchase the vehicle at the residual value or trade in the vehicle as part of a new loan.

Meeting the challenge of asset finance and leasing

To meet the challenges of the dynamic asset finance and leasing market, we apply our ideas, experience and national outlook to develop simple and practical solutions for our clients.

The foundation of our business has been fostered on high-touch, long term relationships to support business needs and goals, not just the next project.

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