Chattel mortgage vs lease for a work ute — PTR Finance Perth Vehicle Finance
14 October 2026 4 min

Chattel Mortgage vs Lease for a Work Ute: Which Suits a Sole Trader?

If you're a sole trader buying a work ute, the finance structure matters as much as the vehicle. Here's how a chattel mortgage and a lease compare on ownership, tax and cash flow.

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PTR Finance Group