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Chattel Mortgage A commercial car finance product where the vehicle is used predominately for business purposes (more than 50%) for business purposes. Benefits of a Chattel Mortgage include: Low Doc Loans Haven't completed your Tax Return or still finalizing your accounts? If you are a business or Sole Trader looking to purchase a car, we have a number of Low Doc options that make organizing finance quick, easy and hassle free. Consumer Loans A consumer loan is for PAYG employed.