How to Secure Aircraft Finance Australia-Wide?

Looking to purchase or lease an aircraft in Australia? Whether it’s for private use, business operations, or charter services, navigating aircraft finance in Australia can be complex—but it doesn’t have to be.

In this blog, we break down the basics of aviation finance, share local insights for Gold Coast and Southeast Queensland buyers, and help you understand how to find the right aircraft finance solutions Australia-wide—from light aircraft finance to commercial jet leasing.

What Is Aircraft Finance and How Does It Work?

Just like financing a car or truck, aircraft finance helps individuals and businesses spread the cost of buying or leasing aircraft over time. However, aviation lending is more specialised and often comes with unique considerations—such as aircraft usage (private vs commercial), depreciation rates, safety regulations, and insurance requirements.

There are several types of aviation finance in Australia, including:

• Aircraft loan Australia: A standard finance agreement where the lender provides funds to purchase the aircraft, and you repay it over a term with interest.

• Aircraft leasing Australia: You lease the aircraft for a set term, with the option to purchase it later (similar to car leasing).

• Jet lease finance Australia: Structured finance options for high-value private or commercial jets.

• Helicopter financing Australia: Finance tailored specifically for rotor-wing aircraft, whether new or second-hand.

• Business aircraft finance: Targeted solutions for executives or companies requiring corporate aviation.

👉 Pro tip: For a full overview of consumer lending laws and licensing, you can visit Moneysmart.gov.au – a government-backed guide on finance options in Australia.

Local Focus: Aircraft Finance Gold Coast & SE QLD

If you’re based in the Gold Coast or Southeast Queensland, your aviation needs are likely tied to tourism, charter services, private business travel, or mining operations in regional areas. At Millard Financial, we understand the local business landscape and offer custom aviation finance plans to match.

Popular requests we help with include:

• Gold Coast private jet financing for corporate or personal use

• Aircraft financing Gold Coast for tourism and transport operators

• Southeast Queensland aviation financing for FIFO, regional medical transport, and charter services

• Second-hand aircraft financing in Australia for cost-effective purchases

Working with experienced aircraft finance brokers in Australia—especially those with local industry knowledge—ensures you’re getting access to flexible funding, fast approvals, and better aircraft financing rates in Australia.

Broader Equipment Finance Services We Offer

If you’re expanding your business fleet or diversifying transport modes, we don’t just stop at aircraft. Our equipment finance services cover a wide range of high-value machinery and specialised equipment.

We’re not your average lender. With access to Australia’s top-tier financiers, we tailor every package to suit your operational and cash flow needs—whether you’re on the Gold Coast or anywhere in South East Queensland.

Key Tips: What to Know Before Applying

Thinking about applying for aircraft finance? Here are a few important things to keep in mind:

✅ Compare Aircraft Loan vs Lease

• A loan provides ownership from day one (with a repayment plan).

• A lease is often cheaper short term and comes with fewer upfront costs, but may limit customisation and usage.

✅ Know the Requirements for Aircraft Finance in Australia

• Proof of income or business viability

• Aircraft usage details (private, commercial, etc.)

• Credit history and asset valuation

• Insurance details

Learn more about responsible lending via ASIC at asic.gov.au.

✅ Choose a Reputable Aircraft Finance Company in Australia

Look for brokers or lenders with experience in aviation finance in Australia, and ask for:

• Transparent fee structures

• Fixed vs variable rate options

• Aircraft-specific loan features (e.g., balloon payments, buy-back options)

Who Is Aircraft Finance Best Suited For?

Aircraft finance in Australia is ideal for:

• Business owners looking to buy aircraft on finance in Australia

• Charter companies expanding regional services

• Medical providers in remote areas

• Private individuals investing in light aircraft or helicopters

• Aviation enthusiasts upgrading or restoring a second-hand plane

No matter the asset class—private aircraft financing in Australia, commercial aircraft, or even niche jets—we help you assess the best aircraft finance options Australia has to offer.

Why Choose Millard Financial?

At Millard Financial, we do more than just connect you with lenders. We take care of the financial legwork and structure deals that truly support your goals—whether that’s owning a new aircraft or leasing it for a growing business.

You get:

• Access to top lenders Australia-wide

• Support from seasoned aircraft finance brokers in Australia

• Fast approvals and competitive aircraft financing rates in Australia

• Local insights tailored to the Gold Coast and Southeast Queensland economy

Ready to Take Flight?

Whether you're buying a light aircraft, upgrading your business jet, or just want to compare aircraft loan vs lease in Australia, we’re here to help you make an informed decision—without the hassle.

🔗 Get a free quote now and let us do the legwork for your next aviation investment.