Monthly lease payments allow you to obtain equipment that is best suited to you right now, not as your annual budget allows.

Who do we finance?


Small and medium-sized businesses usually less than 250 employees.


Entity that provides professional services (which generally require a license from a professional body) such as accounting, legal advice, medical care, engineer, architect etc..

Major Corporate

Businesses that employ more than 250 staff. Usually a publicly listed company.

Government / Schools

Fully funded or partially funded by the Government.

Rental Offerings

Operating Lease

Pay for use at a fixed amount for a defined term, without the burden of ownership. MTL usually makes a residual investment in the equipment, reducing the rental payable to the customer.

Equipment Service Plan

Pay for use at a fixed amount for a defined term which will also include a portion for service/maintenance/other operational fees, which MTL will remit to the vendor when collected.

Guaranteed Buy Back / Operating Lease

Pay for use at a fixed amount for a defined term, without the burden of ownership. The Vendor usually makes a residual investment in the equipment, reducing the rental payable to the customer. The vendor purchases the equipment for the residual amount at end of term.

Lease to Own / Finance Lease

Fixed term finance lease agreement (similar to a loan). Equipment ownership transfers to the customer at end of term.

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Privacy Policy


This privacy statement applies to the websites and any MTL service that collects data and displays these terms, including MTL’s mobile APP. It does not apply to any MTL site or service that does not display or link to this statement or that have their own privacy statements.


“You/your” means you, the user of this web site.
“We/us/our” means MTL Limited t/as MTl Finance who provide this web site.

Personal Information

You can access and browse our website without disclosing any information about you.
We only collect personal information you choose to give us.
We may also collect aggregate data based upon site usage. This data allows us to assess the popularity of certain areas of the network and raise the level of web site performance that we provide for you. However, it gives us no information about you individually.

Uses and Sharing

If you do provide us with personal information we will use that information only for the purpose(s) for which you provided it, or as you have otherwise specifically permitted us.
We use your personal information to provide you with the information you request from us.
We may use your personal information to operate effectively and to provide you the best products, services and experiences we can.
We may share your personal information with the MTL Limited trading as MTL Finance and affiliates and vendors; when required to or authorized by law or where we have otherwise obtained your explicit consent.
We do not use cookies to store personal information nor do we link non-personal information stored in cookies with personal information about specific individuals.

Your Rights and Choices

You may contact us to request access to personal information about you that we hold and to ask for it to be corrected if you believe that it is out of date or incorrect.
To protect your privacy and the privacy of others, we may have to verify that you are who you say you are before we can give you access to, or change, any information about you.
You may opt-out of any further contact from us.


We take privacy seriously and our collection of user information and site usage data is part of our aim to provide a superior service. These data will enable us to improve the site and the level of service offered.

Contact us

If you have any queries about this privacy statement, please contact us on our Contact page.



We are committed to work with our customers to resolve any complaint respectfully, quickly and in good faith. If, after submitting your complaint to us, we were unable to satisfactorily resolve it then the dispute can be referred to the Financial Services Complaints Limited (FSCL),, phone (0800) 347 257, PO Box 5967, Wellington 6145.

Our Financial Services Provider number is 554066.  We are a member of a Financial Dispute Resolution organisation, Financial Services Complaints Limited, Registration No 6927.

Please enter your details and feedback in the space provided below and submit it to us, or contact us directly on



(As at 30 July 2017)

Booking Fee


For the initial set-up of a contract including processing the application, credit enquiries, security enquiries, documentation, establishment etc.

Note: covers fees payable by us to third parties.

Re-documentation Fee


For amendments such as product changes, Renter changes e.g assignment, changing rental payment terms, release of guarantor, early termination (if agreed by us), etc.

Administration Fee


For providing additional services such as copies of the contact (after initial disclosure copy), additional copies of invoices previously provided, payment dishonours (in addition to any bank charges), refunds, statements, written notice of settlement payouts audit requests etc.

Overdue Interest

2% per month

If you fail to pay any amount to us when it falls due, we may charge you interest at the overdue interest rate on a daily basis on the overdue amount calculated from the date that amount became due until the date it is actually paid. Such interest will be immediately due and payable. A fee may be payable to compensate us for a reasonable estimate of any loss incurred by us in the event of your default.

The type of fees and charges and the amounts payable may change from time to time. The above list of fees and charges is the current list and an updated list is available on request. MTL may, in its absolute discretion, waive any fee or charge as it considers appropriate.