Asset Finance
Tailored Asset Finance solutions for vehicles, plant and machinery across Australia
Rated 5 from 44 Reviews
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Tailored Asset Finance solutions for vehicles, plant and machinery across Australia
Rated 5 from 44 Reviews
At Premier Path Finance, we know that access to Asset Finance can be the difference between a business standing still and one that grows with confidence. Whether you're based in Melbourne or anywhere across Australia, having the right financial structure behind you matters. We work with banks and lenders nationwide to find Asset Finance options that genuinely suit your situation - not just the first product that fits.
From work vehicles and trailers to excavators, tractors, graders, cranes and dozers, the range of equipment businesses rely on is broad - and so are the finance structures available. We help you understand your options clearly, whether that's a chattel mortgage, a finance lease, hire purchase, or commercial lending tailored to your industry. Each structure has its own advantages depending on your cashflow, tax position, and how long you plan to hold the asset.
Interest rates and loan amounts are central to any Asset Finance decision. We take the time to understand your business, your cashflow, and your growth plans before recommending a structure. Fixed monthly repayments through a finance lease or hire purchase arrangement can help you manage outgoings predictably, while still putting the right equipment to work in your business.
Collateral is another key consideration. Understanding what assets can support your application - and how to present your position to lenders - can meaningfully influence the terms you receive. Our team guides you through this process with clarity, helping you leverage your existing assets to support a strong application.
For businesses with longer-term growth in mind, spreading the cost of essential equipment over time preserves liquidity without compromising capability. This is particularly relevant for industries that depend on heavy machinery or specialised tools. We structure finance agreements around your operational needs, so your business keeps moving without unnecessary financial pressure.
If you're also exploring broader funding options, our business loans page covers additional solutions worth considering alongside Asset Finance. And if you're a self-employed borrower, we understand the nuances of presenting your financials to lenders in the most favourable light.
From your first conversation through to settlement, Premier Path Finance is with you at every stage. We handle the complexity so you can focus on running your business. Reach out to our team today to explore the Asset Finance options available to you.
At Premier Path Finance, our approach to Asset Finance is built around your business goals, not a one-size-fits-all process. Here is how we work with you from first conversation to settlement.
We start with a genuine conversation about your business - what equipment you need, how you use it, and what your cashflow looks like. Whether you're acquiring a single vehicle or a fleet of machinery, we take the time to understand your situation before recommending anything.
We review your income, expenses, existing liabilities, and any assets that may support your Asset Finance application. This gives us a clear picture of your borrowing capacity and helps us identify lenders and structures that are well-suited to your profile.
Not all Asset Finance products are the same. We compare options across our panel of lenders - chattel mortgages, finance leases, hire purchase, and more - and present you with a shortlist that reflects your priorities, whether that's minimising upfront costs, managing monthly repayments, or optimising your tax position.
We handle the paperwork and coordinate directly with lenders on your behalf. Our team ensures your application is presented accurately and compellingly, giving you the strongest possible position for approval.
Once your Asset Finance is approved, we walk you through the terms, answer any questions, and coordinate settlement so everything proceeds without delay. You'll know exactly what you're signing and why.
Our relationship continues well beyond settlement. As your business grows and your equipment needs evolve, we're here to review your facilities, explore refinancing opportunities, and ensure your finance arrangements continue to serve your goals.
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Is
Luke was amazing helping me buy my first property, from our initial chat and chatting about my circumstances and next steps right through to settlement! Luke was always happy to answer my questions, talk through the process and give me all the options, and made a process I had no idea about as seamless as possible. Couldn’t recommend more highly!
SK
Stacie Karas
We have dealt with Luke from Premier Path Finance on numerous occasions for purchase of properties and refinances. Luke is very responsive and nothing is too much trouble. He has his clients’ best interest at heart! Every dealing has been a smooth and stress free transaction and we would not even consider engaging anyone else in the future. Highly recommend!
RS
Rhys Smith
Luke Owen has been my go-to lending guy for many years. Previously he was with CBA Private Banking. A+ and VIP service. He joined Premier Path in recent years which has been a game changer. It's opened up lots of new possibilities for lending, residential, commercial and SMSF. I've introduced several heavy hitter former C-level employees to Luke and they've always been impressed! The service is even better now that he's not hamstrung by CBAs sometimes onerous rules!
Banks can only offer their own products. At Premier Path Finance, we compare a wide range of lenders to help you find a loan that suits your goals and circumstances.
We do the research, paperwork and negotiations on your behalf, making the process simple, stress-free and easy to understand.
Currently over 80% of loans in Australia are provided through a broker instead of directly at the bank, due to the options a broker can provide.
There is no cost to you for using a broker.
We are paid by the lender once your loan settles, which means you won't pay any additional fees and there is no impact on your interest rate or loan terms. Our service is designed to make the process easier by doing the research, comparing lenders and managing the paperwork on your behalf.
With Premier Path Finance, you receive expert advice and support at no extra cost, while we do the hard work for you.
Your borrowing capacity depends on factors including:
• Your income
• Existing debts and expenses
• Deposit amount
• Employment type
• Credit history
We'll assess your situation and help you understand your borrowing power before you start looking for a property.
Many lenders allow eligible borrowers to purchase with as little as a 5% deposit. A larger deposit may provide more lender options and help reduce costs such as Lenders Mortgage Insurance (LMI).
We'll guide you through your options and explain exactly what you'll need.
Pre-approval is an indication from a lender of how much you may be able to borrow before you purchase a property.
Pre-approval can help you shop with confidence and understand your budget. We'll manage the entire process and liaise with the lender on your behalf.
Timeframes vary depending on the lender and your circumstances. Many approvals are completed within a few days to several weeks.
Our team keeps the process moving and handles the communication with lenders, making everything easier for you.
Absolutely.
Buying your first home can feel overwhelming, but we'll guide you through every step. We'll explain the process in plain English, help you understand your borrowing capacity and determine whether you're eligible for grants and concessions.
Depending on your circumstances and location, you may be eligible for:
• First Home Owner Grants
• Stamp duty concessions
• Home Guarantee Scheme initiatives
We'll help you understand what support may be available and whether you qualify.
Yes.
A guarantor loan may allow eligible borrowers to purchase with little or no deposit while avoiding LMI.
Using a family guarantee in some cases can cover the full purchase cost of a property, inclusive of stamp duty (105% lend), with identical loan terms to a standard loan.
We'll explain how guarantor loans work and whether they're suitable for your circumstances.
Lenders Mortgage Insurance is generally required when you borrow more than 80% of the property's value.
LMI protects the lender, not the borrower. The cost varies depending on the size of your loan and deposit. We can help you understand whether it applies and explore options to minimise or avoid it.
Refinancing may help you:
• Lower your interest rate
• Reduce repayments
• Consolidate debts
• Access equity
• Improve loan features
We'll compare lenders and manage the refinancing process from start to finish.
Yes.
If your property's value has increased or you've paid down your loan, you may be able to access equity for:
• Renovations
• Investment properties
• Debt consolidation
• Personal expenses
We'll help you understand how much equity may be available and which options suit your goals.
Yes.
We assist investors with:
• Investment property loans
• Equity release
• Portfolio growth
• Interest-only lending
• Refinancing existing loans
Whether you're buying your first investment property or expanding your portfolio, we'll help create a strategy that aligns with your goals.
Yes.
Depending on your circumstances, some lenders offer low-deposit home loans and government schemes may also help eligible buyers enter the market sooner.
We'll explain your options and help you find a pathway into home ownership.
A fixed rate provides certainty by locking in your interest rate for a set period.
A variable rate can change over time and often offers greater flexibility, including offset accounts and extra repayments.
We'll explain the pros and cons and help you choose the right loan structure.
An offset account is a transaction account linked to your home loan.
The balance in the account reduces the amount of interest charged on your loan, potentially helping you save thousands over the life of your mortgage.
A construction loan is designed for people building a new home.
Funds are generally released in stages throughout the building process rather than in one lump sum.
We'll guide you through the process and coordinate with the lender and builder to help everything run smoothly.
Settlement is when ownership of the property is officially transferred and the loan funds are released.
We work closely with your lender, solicitor and conveyancer to ensure everything runs smoothly and keep you informed every step of the way.
We recommend reviewing your home loan every 12 to 24 months or whenever your circumstances change.
Regular reviews can help ensure you're still getting a competitive rate and the right loan features.
Multiple loan applications can impact your credit file.
That's why we carefully assess your situation first and recommend suitable lenders before submitting an application, helping you avoid unnecessary enquiries.
Premier Path Finance Pty Ltd ABN: 69 684 858 802. Credit Representative #570775 is authorised under Australian Credit Licence #384704.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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