Car & Equipment Finance

Asset finance made simple. Vehicles, machinery, and equipment tailored to your operation.

Vehicle Finance

Vehicle Finance

Cars, utes, vans, and light commercial vehicles for personal and business use.

Farm Equipment

Farm Equipment

Tractors, headers, implements, and specialist agricultural machinery.

Technology & Automation

Technology & Automation

Precision ag technology, irrigation automation, and drone equipment.

Tools & Attachments

Tools & Attachments

Workshop equipment, trailers, post-drivers, and working tools.

Equipment finance that works like your operation.

Whether you’re buying a second-hand ute, upgrading your header fleet, or financing the latest precision ag technology, we structure asset finance around your cash flow — not the lender’s schedule. Hire purchase, chattel mortgage, operating lease, or novated lease — we find the structure that saves you the most.

Funding Structures Available

  • Chattel Mortgage: Own the asset immediately, claim full input tax credit if GST-registered.
  • Hire Purchase: Fixed repayments, ownership transfers at end of term.
  • Finance Lease: Keep capital free, upgrade at end of lease.
  • Operating Lease / Rental: Off balance sheet, ideal for technology that depreciates fast.
  • Novated Lease: Pre-tax salary packaging for personal vehicles.

Car & Equipment Finance — In Depth

Specialist guides to the finance structures we use to fund vehicles, machinery, and infrastructure.

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Asset Finance for Business

Acquire the assets you need without draining working capital

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Chattel Mortgage

Own the asset from day one — the gold standard for business buyers

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Lease & Novated Leasing

Zero upfront, pre-tax salary packaging, and off-balance sheet options

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Ag, Industrial & Infrastructure

Heavy-duty funding for the backbone of production

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Lifestyle, Transport & Green Finance

Fleet renewal, EVs, and green loans with discounted rates

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The Hardie Difference

Repayments structured around your seasons, not the bank’s calendar

Explore Our Services

Agribusiness Finance

Land, seasonal & agri lending

Business & Commercial

Working capital, property & expansion

Home & Investment

Purchases, refinancing & first homes

Refinance

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