Equipment Finance

Power Your Operation with Dedicated Funding.

For sectors reliant on heavy machinery and specialised gear—such as construction, mining, agriculture, and manufacturing—Equipment Finance is non-negotiable for operational success. Our Equipment Finance service is delivered through our network of excellent referral partners, who possess deep industry knowledge relevant to the regional needs of Dubbo and Central West NSW. Whether you are seeking funding for new tractors, earthmoving equipment, industrial printers, or complex production tools, our partners secure dedicated Equipment Loans. They understand that machine downtime costs money, so they work efficiently to provide flexible finance options that align precisely with the commercial lifespan, expected usage, and depreciation schedule of your heavy gear. They ensure timely funding approvals, keeping your business competitive and fully operational without tying up capital.

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Getting Equipment Finance

1. Initial Appointment
Your journey starts with an obligation-free appointment with one of our brokers. During this meeting, we’ll discuss your goals, address your questions, cover the first Home Owner Grant availability (if applicable), deposit requirements, borrowing capacity, and any other questions or scenarios you might be thinking about.

2. Collecting Your Information
We gather your financial details — including income, assets, liabilities, and supporting documents — to fully assess your borrowing position.

3. Lender Comparison & Recommendation
We search across a wide range of banks and lenders to find the most suitable loan options for your situation, focusing on the best rates, lowest fees, and the highest approval likelihood.

4. Preparing & Submitting Your Application
Once you’re happy with the chosen loan, we complete, prepare, and submit your application on your behalf.

5. Loan Approval
We manage the process from start to finish and keep you updated. When your approval comes through, we guide you through the next steps.

6. Settlement Coordination
We work with your solicitor, conveyancer, and real estate agent to coordinate settlement and ensure everything runs smoothly from start to finish.

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Our Latest Reviews

Robert B

I had an outstanding experience with the team at Dubbo Mortgage Brokers. A huge thank you to Adam, Brad, and Caitlin for all of their hard work and support throughout the entire process. They were professional, knowledgeable, and genuinely committed to helping me secure the best possible deal. They all worked together seamlessly, making the process smooth and stress-free. No matter how many questions I had, they were always available to provide clear advice, keep me informed, and make sure I understood every step along the way. I highly recommend Dubbo Mortgage Brokers to anyone looking for a reliable and professional mortgage broker. Their communication, dedication, and customer service were exceptional, and I couldn’t be happier with the outcome. I’ll definitely be using them again in the future. Thanks again, Adam, Brad, Caitlin, and the whole team!

Marivic Cabrera

Thank you so much to Adam and Brad for supporting us every step of the way in purchasing our home. Their quick responses and superb communication made the whole process smooth, easy and stress-free. We truly couldn’t have done it without them. Mavic & Mickael

Michael Skupien

Can't speak highly enough of Adam and the team at Dubbo Mortgage Brokers. They kept us in the loop the whole time and were always reachable if we had questions.

Dana Wales

I would highly recommend using Dubbo mortgage brokers to help with buying a house, the team there, especially Brad, were amazing and extremely helpful. They broke everything down for me and ensured I understood the process and what was needed, which was amazing for a first home buyer when it is all so overwhelming. I can’t recommend these guys enough, I am extremely grateful for their help and I now have a beautiful home thanks to them.

Brayden Cracknell

The team at Dubbo Mortgage Brokers went above and beyond in the process of getting my home loan process, kept me updated the whole way through. Made everything less stressful and confusing, and made it a breeze. Will definitely be coming back for the next home!

Ashlea Skupien

We honestly can’t say enough good things about our experience with Dubbo Mortgage Brokers. Our situation was complex and far from cookie cutter, but Adam made the whole process feel easy and completely stress-free. His knowledge and experience really stood out, and we always felt like we were in safe hands. Adam and Brad went above and beyond to get us exactly what we were hoping for, and even saved us money along the way. Nothing ever felt like too much trouble, and they were so easy to deal with from start to finish. If you’re looking for someone who genuinely cares and knows what they’re doing, we couldn’t recommend them more highly.

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Frequently Asked Questions

How often should I review my home loan?

Every two years is a sensible habit, and always when a fixed rate is coming to an end. It costs nothing to check.

Will refinancing hurt my credit score?

A refinance application does leave a credit enquiry on your file. One is not a problem. Several in a short period can be, which is why applying to multiple lenders yourself is worth avoiding.

Is it worth refinancing for 0.25%?

It depends on your balance. On $500,000, 0.25% is roughly $1,250 a year in interest. Against switching costs of perhaps $1,000, that pays for itself inside a year. On a small balance it may not be worth the effort.

Can I refinance if my property has dropped in value?

Possibly, but it depends on your loan-to-value ratio. If the fall has pushed you above 80%, LMI may apply again. A current valuation is the first thing to establish.

What are break costs and can I find mine out beforehand?

If you exit a fixed rate early the lender may charge a break cost to recover its funding loss. They depend on how wholesale rates have moved since you fixed, so they're unpredictable. Ask your lender for a written figure — it's free to ask, and we'll help you read it.