Finance question
Do I get a fixed repayment I can budget on?
Yes. Most asset finance is set at a fixed repayment for the whole term, so the amount does not move even if rates change. You know the exact figure from day one, which makes it easy to budget and to match repayments against the income the asset earns. The term and structure are set up front, subject to lender assessment.
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The short answer
The same repayment, every month, for the whole term
Predictability is one of the main reasons businesses use asset finance. In most cases the repayment is fixed at the start and stays the same for the entire term, so it does not rise if market rates move. You get one number to plan around, which makes cash flow far easier to manage than a facility that floats up and down.
That certainty lines up neatly with how the asset earns. A truck, a machine or a fit-out generates income month after month, and a fixed repayment lets you set that known cost against that income. You can see the margin clearly and price your own work with confidence, because the finance cost is not a moving target.
The term is agreed up front too, commonly stretched over a few years to keep the monthly figure comfortable. Because we work across 40+ lenders, we can shape the term and structure around your cash flow rather than a one-size product. The exact repayment depends on the asset, the term and your profile, and it is confirmed before you sign.
Why a fixed repayment helps
What certainty does for your business.
One known number
The repayment is set and does not move with rates.
Match income to cost
Set the fixed repayment against what the asset earns.
Clean budgeting
Easy to forecast when the figure never changes.
Term to suit you
Structured over a term that keeps the monthly comfortable.
Why fixed suits asset finance so well
No rate surprises
A fixed repayment holds even if the market moves against you.
Predictable cash flow
One steady cost is simpler to plan a year around.
Structured for you
Across 40+ lenders we set a term that fits your income.
A real example
An electrician finances a $40,000 van over a set term at a fixed monthly repayment. Whatever happens to rates over those years, the payment does not change, so she prices her jobs knowing the exact cost of the van each month. The certainty made the budgeting simple. Illustrative only.
Common questions
Frequently asked questions
Is the repayment really fixed for the whole term?
In most asset finance, yes. The repayment is set at the start and holds for the full term, so it does not move if rates change.
Can I choose the term?
Within reason. We structure the term across 40+ lenders to keep the monthly repayment comfortable for your cash flow, subject to lender assessment.
What if interest rates fall?
A fixed repayment stays the same either way. It protects you from rises and holds steady if rates fall, which is the trade-off for certainty.
Will I know the exact figure before I commit?
Yes. The repayment, term and structure are all confirmed up front, before you sign anything.