Financing Your Aircraft

Our promise to you

Aircraft financing is a specialised field that requires a deep understanding of both aviation and financial markets. At Legacy Mortgage Solutions, we connect you with lenders who specialise in aviation finance, ensuring you secure the right funding - whether for a plane or a helicopter. Our solutions are designed to suit a range of needs, from personal recreational use to commercial operations.

Tailored Finance Options

We offer a variety of finance products including equipment loans, chattel mortgages, leasing arrangements, and hire purchase agreements - each designed to suit different aircraft financing needs.

Competitive Rates & Flexible Terms

Gain access to competitive interest rates and repayment structures that fit your budget, whether you’re purchasing a new aircraft or a quality pre-owned model.

Expert Guidance

Our experienced team will navigate you through the intricacies of aviation finance, ensuring you understand every facet of your funding option.

Streamlined Application Process

We manage the paperwork and negotiations, simplifying the process so you can focus on your aviation goals.

Maximising Financial Efficiency

We work with your accountant to structure your finance in a tax-effective manner, helping you leverage depreciation benefits and any available government incentives.

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Are you located outside of Melbourne? Get in touch and we can help find the best solution for you, no matter where in Australia you’re located.

How it works

Our Aircraft Financing Process

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Initial Consultation

We begin with an in-depth discussion to understand your aviation needs, intended usage, and financial objectives.

Tailored Strategy Development

Based on your requirements, we craft a customised financing plan that aligns with your goals - whether for a plane or a helicopter.

Lender Sourcing & Comparison

Leveraging our extensive network, we compare offers from lenders specialising in aircraft finance, ensuring you secure the most competitive terms.

Application & Negotiation

We handle all documentation and negotiate on your behalf, streamlining the process for fast and favourable approval.

Settlement & Ongoing Support

After your finance is secured, we guide you through settlement and offer ongoing support for future refinancing or upgrades.

Understanding Plane & Helicopter Financing Options & Considerations

Take advantage of the incentives at your disposal

When financing a plane or helicopter, several key factors come into play:

Equipment Loans & Chattel Mortgages

These options are ideal for purchasing aircraft outright. They often come with the benefit of claiming depreciation, thereby reducing your taxable income.

Hire Purchase Agreements

Spread the cost over time with instalment payments, with ownership transferring to you at the end of the term.

Leasing Options

Leasing offers flexibility if you prefer not to commit to full ownership, with the possibility to upgrade or swap out aircraft as your needs evolve.

Loan-to-Value Ratios (LVRs)

LVRs determine how much you can borrow relative to the value of the aircraft. We assess your borrowing capacity to ensure repayments remain manageable while providing sufficient finance for your purchase.

Repayment Structures

Consider whether an interest-only period might be advantageous during the early phase of ownership, or if fixed principal-and-interest repayments are more suitable for your cash flow.

Maintenance & Operational Costs

Financing should account not only for the purchase price but also for ongoing maintenance, insurance, and operational costs - ensuring your overall budget remains sustainable.

Tax Depreciation & Incentives

Aircraft financed through equipment loans or chattel mortgages can offer significant tax depreciation benefits. We work with your accountant to ensure your financing is structured as tax-efficiently as possible.

Regulatory Considerations

Aviation finance is subject to specific regulatory requirements and compliance standards. We ensure that your financing solution adheres to all relevant aviation regulations and lender guidelines.

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Access the best lenders in Australia to help purchase your plane or helicopter!

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Frequently asked questions

Everything you need to know about securing your aircraft financing in Melbourne.

What is aircraft financing?

Aircraft financing provides specialised funding options for purchasing or leasing planes and helicopters, tailored to meet the unique demands of aviation investments.

Who is eligible for plane or helicopter financing?

Eligibility typically depends on your credit history, income, and the value of the aircraft. Both individuals and businesses can secure aircraft financing, and we help determine the best option for your circumstances.

What types of aircraft can be financed?

Our finance solutions cover a wide range of aircraft - from private jets and recreational planes to commercial helicopters and utility aircraft.

How do interest rates affect my repayments?

Fixed-rate options offer stability with consistent repayments, while variable-rate options may provide savings when market conditions are favourable - but they also carry the risk of rate increases.

Can I refinance my aircraft finance later on?

Yes, refinancing is an option if market conditions change or your financial situation improves. We can help assess your options and secure more favourable terms when appropriate.

What documentation is required for aircraft financing?

Typically, you'll need proof of income, financial statements, identification, and detailed information about the aircraft. We assist you in gathering all necessary documentation to strengthen your application.

Are there any government incentives or tax benefits available for aircraft financing?

While there are no direct government grants for aircraft financing, there are tax incentives related to depreciation and capital allowances - especially for commercial aircraft. We stay informed about relevant initiatives to help you maximise any available benefits.

What should I consider before choosing a finance option for my aircraft?

Consider your overall budget, anticipated cash flow, the total cost of ownership (including maintenance and insurance), and how long you plan to keep the aircraft. Evaluate whether a purchase loan, leasing, or hire purchase agreement best meets your needs.

Ready to Take Flight?

Whether you’re planning a weekend getaway on the water or a commercial venture, we’re here to guide you every step of the way.

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Browse our other services

Can't find exactly what you're looking for? Here are some other services that we provide that might be more suitable to your situation:

First Home Buyer Loans

Access competitive loan options that can help you start your property journey in Australia, get in touch today.

Commercial Loans

If you need help to refinance or purchase commercial property, just contact us today to find a solution.

Variable & Fixed Rate Loans

Let us help you navigate the complexity around loans and find the best rate type for your goals.

SMSF Loans

An SMSF loan enables a Self-Managed Super Fund to borrow funds for acquiring investment properties or refinance existing SMSF debt.

Bridging Loans

A bridging loan may be necessary to cover the financial gap when buying one property before your existing one is sold.

Asset Finance

Need finance for another large purchase besides your home like a private car or commercial vehicle and equipment?

Restructuring Finances

Have you recently assessed your overall financial situation, or are you among those who simply set and forget?

Development Funding

Development funding offers a range of financial options tailored to help you successfully complete your project.

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Not sure what kind of loan you need?

The major benefit of using a broker to finance other large purchases besides property is obtaining finance that is tailored to fit your current financial circumstances and needs. With depreciating assets, the right finance can also potentially save you money on interest and fees, or potentially help you maximise your tax benefits. AND MORE – Not sure what kind of loan you need for your current financial circumstances? That’s our job. We deliver tailored finance solutions chosen from a panel of leading lenders, and give you peace of mind that your loan is working for you. Contact us today to find out all the ways we can help you.