A vehicle, equipment, or a personal loan, without the mortgage-length process.
A vehicle, equipment for your business, or a personal loan. A different set of lenders to a mortgage in most cases, and a shorter, simpler process to match. Secured or unsecured, whichever actually suits what you’re financing.
What this actually covers
New or used vehicles, equipment and machinery for a business, and personal loans for anything from a wedding to consolidating smaller debts. These sit on a different lender panel to home loans, with faster approval timeframes and, in most cases, far less paperwork.
Secured finance (against the vehicle or asset itself) usually gets a better rate than unsecured, which is worth knowing before you assume unsecured is simpler by default.
Financing a vehicle or equipment through your business
If you’re self employed or run a company, financing a vehicle or equipment through the business is often more tax-effective than doing it personally, but it changes which lenders will consider the application and how they read your income.
We work out which structure and which lender actually fits your situation, rather than assuming personal finance is the default.
- CoversVehicles, equipment, personal
- ProcessShorter than a home loan
- SecuritySecured or unsecured
Questions about this specifically.
Is this a different application to a home loan?
Yes. A different lender panel, generally faster approval, and a shorter document list. It doesn’t affect an existing home loan application, and in most cases won’t affect a future one either.
Can I finance a vehicle or equipment through my business?
Often, yes, and it can be more tax-effective than financing it personally. It changes which lenders will consider it and how they assess your income, so it’s worth raising with us before you apply.
Secured or unsecured: which should I choose?
Secured finance (against the vehicle or asset) usually carries a better rate. Unsecured suits something with no asset to secure against, like consolidating smaller debts. We’ll talk through which actually fits what you’re financing.
Looking for something else?
Find out what you are actually eligible for.
A first conversation costs nothing and commits you to nothing. Worst case, you learn your current loan is fine.