Asset Finance
At New Age Mortgage Brokers (NAMB), we know that the right assets can help you grow your business, improve productivity, or simply enjoy life to the fullest. Asset finance provides a flexible way to purchase or lease vehicles, equipment, or machinery without having to drain your savings upfront.
Smart finance solutions to help you access the assets your business or lifestyle needs
Whether you’re a business owner looking to expand, or an individual ready to upgrade, we’ll tailor the right finance solution to suit your needs.
Drive away sooner with the right loan for your car, ute, or fleet
Whether you’re purchasing a personal vehicle, upgrading to a family SUV, or expanding your company fleet, NAMB offers tailored vehicle finance solutions that fit your budget. With access to multiple lenders, we’ll help you secure competitive rates and flexible repayment options. Our vehicle finance options cover new and used cars, as well as novated leases and fleet solutions for businesses.
Get the tools and machinery your business needs to grow
From construction machinery and agricultural tools to office technology and manufacturing equipment, asset finance can help your business acquire essential equipment without huge upfront costs. At NAMB, we make the process simple by connecting you with lenders that understand your industry and cash flow needs. With repayment terms structured around your business cycle, you can invest in productivity today and pay it off gradually.
Turn your lifestyle dreams into reality
Asset finance isn’t just for business – it’s also for fun. Whether it’s a motorbike for weekend rides, a caravan for road trips, or even a boat or jet ski for summer adventures, we’ll help you access affordable lending solutions. With flexible loan terms and competitive interest rates, NAMB makes it possible to enjoy the lifestyle you’ve been dreaming of sooner rather than later.
Keep your business moving with tailored transport solutions
Trucks, vans, and heavy commercial vehicles are vital assets for many businesses. At NAMB, we can arrange finance that helps you purchase, lease, or upgrade commercial vehicles without straining your cash flow. From single vehicles to entire fleets, we’ll work with you to secure terms that match your business operations and growth plans.
Unlock cash flow by refinancing your existing assets
If you already own vehicles or equipment, refinancing them could release funds to reinvest into your business. At NAMB, we help clients refinance existing assets to free up working capital, consolidate debts, or access better repayment terms. This allows you to make your current assets work harder while reducing financial strain.
Helping you get started with confidence
Buying your first business vehicle, piece of equipment, or lifestyle asset can be overwhelming. Our team at NAMB makes the process straightforward, guiding you through your options and helping you choose a product that fits your financial situation. With access to multiple lenders and flexible solutions, we’ll make sure your first asset purchase is a smooth, stress-free experience.
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Frequently Asked Questions – Asset Finance
At New Age Mortgage Brokers (NAMB), we know asset finance can feel complex, especially if you’re investing in equipment, vehicles, or machinery to grow your business. Here are some of the most common questions our clients ask us about asset finance.
What is asset finance?
Asset finance is a type of lending that allows you to purchase or lease assets such as vehicles, equipment, or machinery without having to pay the full amount upfront. Instead, you spread the cost over an agreed term with regular repayments. This makes it easier to manage your cash flow while still accessing the tools your business needs to operate and grow.
How much can I borrow with asset finance?
The amount you can borrow depends on the value of the asset, your business’s financial history, and the lender’s criteria. In many cases, lenders may offer finance for up to 100% of the asset’s purchase price, meaning little to no upfront deposit is required. However, your borrowing capacity will also take into account factors such as turnover, credit history, and the expected life of the asset being financed.
What types of assets can be financed?
Asset finance can be used for a wide range of items, including:
- Business vehicles, trucks, and fleets
- Heavy machinery and construction equipment
- IT and office technology
- Medical and professional equipment
- Agricultural machinery
If the asset is critical to your operations, there’s a good chance we can help finance it.
What fees and charges are involved?
Like other finance products, asset finance comes with some upfront and ongoing costs. These may include application fees, loan establishment fees, monthly account fees, and early termination charges if you pay the loan out ahead of time. The good news is that many of these costs can be factored into the finance arrangement, allowing you to budget more effectively.
How are interest rates for asset finance calculated?
Interest rates vary depending on the type of asset, its age, and your business’s financial profile. Newer assets often attract lower rates since they hold their value longer, while older or second-hand equipment may come with higher rates. Lenders will also assess your credit history, business cash flow, and the chosen loan term when setting your rate.
Can I get asset finance if I’m self-employed or a small business owner?
Yes. At NAMB, we regularly work with self-employed clients and small businesses who may not fit traditional bank lending criteria. Even if your business is new or your financials are complex, we can explore flexible asset finance options to help you access the tools you need to grow.