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• Car Loans
  • • • Personal Car Loans ❯ Business Car Loans ❯ Chattel Mortgage ❯ Electric Vehicle Loans ❯ Low Doc Car Loans ❯ Finance Lease ❯ Bad Credit Car Loans ❯ Car Loan Refinancing ❯ Sale & Leaseback Finance ❯ Novated Car Lease ❯
• Home Loans
  • • • Buy a new home ❯ Refinance my home loan ❯ Buy an investment property ❯ First home buyers ❯ Low Doc home loans ❯ Construction loans ❯ Apply for a home loan now ❯
• Personal Loans
  • • • Low rate personal loans ❯ Debt consolidation  ❯ Home renovation loans ❯ Bike loans  ❯ Boat loans  ❯ Caravan loans  ❯ Jet ski loans  ❯ Green Loans ❯ Medical, Cosmetic & Dental Loans  ❯
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• Helpful Resources
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Chattel Mortgage Calculator

Ready For The Next Step?

Rates from 6.99% p.a. Comparison Rate 7.63% p.a.

Instantly check your eligibility with 26 lenders online.

Helpful Resources

Chattel Mortgage

Low Doc Car Loans

Truck Finance

Equipment Finance

About our Chattel Mortgage Calculator

1. Enter the vehicle price, loan term, and interest rate.
2. Adjust your deposit amount and credit score for a personalised estimate.
3. Review your results to understand your monthly repayments and total loan cost.

• Loan Amount & Interest Rate – Higher amounts and rates increase your repayments.
• Whether there is a ballon payment at the end of the loan term which defers a significant portion of the principal to the end of the loan term
• Deposit Size – A larger deposit reduces the loan amount and may unlock better rates.
• Whether payments are structured in advance or in arrears
• Credit Score – A higher credit score can help you secure lower interest rates.
• Whether our a Property Owner
• Age of the Asset
• Length of ABN and whether you are GST registered
• Loan Term – Longer terms reduce monthly repayments but may increase total interest paid.
• Lender – Different lenders fees and charges

The calculator is not 100% accurate as lenders fees and charges vary and need to be factored into the calculator.  For accurate, to the dollar repayments, please speak to your dedicated Natloans Finance Consultant. This Chattel Mortgage Calculator is  an estimate.

The balloon payment is not included in the loan repayments and is an amount of the principal loan which is deferred as the final payment.  At the end of the Chattel Mortgage, you can then decide to pay the balloon in full, sell the asset or refinance the balloon into a new loan 

Not accurately.  Calculating extra payments varies as the lender determines what termination fees and interest you will pay.  Speak to your dedicated Natloans Finance Consultant to discuss whether a Chattel Mortgage Contracts best needs your requirements. Chattel Mortgage is not a suitable product if paying out the loan early is your main objective.

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Natloans is part of the Natloans group of companies, proudly owned by Natloans Holdings Pty Ltd. All services delivered under the Natloans brand are provided by licensed entities within our group — and we’ll always confirm the relevant entity in your documentation for complete transparency.

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