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4.99% Chattel Mortgage - New MINI All Models

MINI Chattel Mortgage is designed for customers using their MINI predominantly for business purposes who want to retain ownership from the outset. With a fixed interest rate and no account-keeping fees, it delivers cost certainty and a streamlined finance solution for your business. MINI Financial Services Australian Credit Licence 392387.

Business loansLender updated 1 Oct 2026
Apply at MINI Financial Services ↗Product page ↗Terms ↗

At a glance

Fixed
4.99%4.99% comparison
Upfront fee
$0
Monthly fee
$0

Rates

Every rate MINI publishes for this business loan, 2 in all.

TypeApplies toTermBandRateComparisonConditions
FixedOption to pay weekly or fortnightly or monthly.P&I3 yrs fixed-4.99%4.99%-
FixedOption to pay weekly or fortnightly or monthly.P&I3 yrs fixed-4.99%4.99%-

Fees

8 fees published, grouped by when they're charged.

  1. When you take it outVaries2 fees, each listed below
  2. While you hold itNo feeAccount Keeping Fees
  3. When you close it or pay it off2.75% of balanceEarly Termination Fees

When you take it out2

  • Dealer Origination Fees
    No fee
  • Establishment Fees
    No fee

While you hold it1

  • Account Keeping Fees

    No Account keeping fees

    No fee

If a payment is late or fails2

  • Cheque Dishonour Fees
    $15
  • Direct Debit Dishonour Fees
    $5

When particular things happen2

  • PPSR Fees
    $2
  • Verification Statement Fees
    $2

When you close it or pay it off1

  • Early Termination Fees
    2.75% of balance

Features

Extra repaymentsGuarantor optionDigital banking
  • Ownership: Our Chattel Mortgage offers a fixed interest rate and no account-keeping fees. You own your MINI with predictable costs and long-term benefits
  • Tailor your finance with a balloon or Guaranteed Future Value. Conditions apply

Eligibility and limits

  • Minimum age 18
  • Residency: Applicants must have the legal right to work in Australia and Companies must hold a valid Australian Business Number (ABN)
  • Available to businesses
  • Maximum LVR 80%
  • Minimum balance $25,000
  • New customers must not be an undischarged or discharged bankrupt. Existing customers must not be an undischarged bankrupt
  • Credit Assessment: Eligibility is subject to credit approval based on the applicant’s financial and employment information. Lending criteria, fees, charges and conditions apply
  • Offer applicable on new and demonstrators MINI models. Subject to vehicle stock availability and only at participating authorised dealers
  • Customers must take out comprehensive insurance coverage over the Vehicle for the loan term and specify the MINI Financial Services as the interested party
  • Contract Term should be 36 months.
  • Customer must grant a first ranking security interest over the Vehicle
  • Conditions apply to Guaranteed Future Value product

Published by MINI Financial Services under the Consumer Data Right, last changed by them on 1 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.