{
  "index_name": "Asset Finance Help Rate Index",
  "version": "1.0",
  "generated": "2026-06-02T00:00:00Z",
  "current_quarter": "2026Q2",
  "methodology_url": "https://assetfinancehelp.com.au/research/methodology/",
  "data_url_csv": "https://assetfinancehelp.com.au/research/data/asset-finance-rate-index-q2-2026.csv",
  "data_url_json": "https://assetfinancehelp.com.au/research/data/asset-finance-rate-index-q2-2026.json",
  "next_update": "2026-09-02",
  "publisher": "Asset Finance Help",
  "license": "CC BY 4.0 \u2014 free to cite with attribution",
  "citation_string": "Asset Finance Help Rate Index, Q2 2026, assetfinancehelp.com.au/research/asset-finance-rate-index/",
  "quarters": [
    "2024Q3",
    "2024Q4",
    "2025Q1",
    "2025Q2",
    "2025Q3",
    "2025Q4",
    "2026Q1",
    "2026Q2"
  ],
  "structures": [
    "chattel_mortgage",
    "hire_purchase",
    "finance_lease",
    "operating_lease"
  ],
  "tiers": [
    "prime",
    "average",
    "low_doc"
  ],
  "cash_rate_by_quarter": {
    "2024Q3": 4.35,
    "2024Q4": 4.35,
    "2025Q1": 4.1,
    "2025Q2": 3.85,
    "2025Q3": 3.6,
    "2025Q4": 3.6,
    "2026Q1": 4.1,
    "2026Q2": 4.35
  },
  "inputs": {
    "cash_rate_source": "Reserve Bank of Australia, statistics/cash-rate",
    "market_rates_source": "https://www.commercial-loans.net.au/asset-finance-interest-rates.html",
    "market_rates_as_at": "2026-05-18",
    "lender_panel_source": "https://www.money.com.au/business-loans/chattel-mortgage/chattel-mortgage-interest-rates",
    "lender_panel_as_at": "2026-05-27",
    "rba_sme_bulletin": "RBA Bulletin Oct 2025, 'Small Business Economic and Financial Conditions'"
  },
  "model_parameters": {
    "anchor_quarter": "2026Q2",
    "sensitivity_coefficients": {
      "prime": 1.1,
      "average": 1.0,
      "low_doc": 0.65
    },
    "competition_trend_pp_per_quarter": {
      "prime": -0.05,
      "average": 0.0,
      "low_doc": 0.0
    },
    "anchor_rates_q2_2026": {
      "chattel_mortgage": {
        "prime": 6.76,
        "average": 9.0,
        "low_doc": 12.24
      },
      "hire_purchase": {
        "prime": 7.04,
        "average": 9.39,
        "low_doc": 12.74
      },
      "finance_lease": {
        "prime": 7.64,
        "average": 9.82,
        "low_doc": 13.0
      },
      "operating_lease": {
        "prime": 7.7,
        "average": 10.15,
        "low_doc": 13.6
      }
    }
  },
  "segments": {
    "chattel_mortgage__prime": {
      "structure": "chattel_mortgage",
      "tier": "prime",
      "label": "Chattel Mortgage \u2014 Prime",
      "by_quarter": {
        "2024Q3": 7.11,
        "2024Q4": 7.06,
        "2025Q1": 6.73,
        "2025Q2": 6.41,
        "2025Q3": 6.09,
        "2025Q4": 6.04,
        "2026Q1": 6.53,
        "2026Q2": 6.76
      }
    },
    "chattel_mortgage__average": {
      "structure": "chattel_mortgage",
      "tier": "average",
      "label": "Chattel Mortgage \u2014 Average",
      "by_quarter": {
        "2024Q3": 9.0,
        "2024Q4": 9.0,
        "2025Q1": 8.75,
        "2025Q2": 8.5,
        "2025Q3": 8.25,
        "2025Q4": 8.25,
        "2026Q1": 8.75,
        "2026Q2": 9.0
      }
    },
    "chattel_mortgage__low_doc": {
      "structure": "chattel_mortgage",
      "tier": "low_doc",
      "label": "Chattel Mortgage \u2014 Low Doc",
      "by_quarter": {
        "2024Q3": 12.24,
        "2024Q4": 12.24,
        "2025Q1": 12.08,
        "2025Q2": 11.92,
        "2025Q3": 11.75,
        "2025Q4": 11.75,
        "2026Q1": 12.08,
        "2026Q2": 12.24
      }
    },
    "hire_purchase__prime": {
      "structure": "hire_purchase",
      "tier": "prime",
      "label": "Hire Purchase \u2014 Prime",
      "by_quarter": {
        "2024Q3": 7.39,
        "2024Q4": 7.34,
        "2025Q1": 7.01,
        "2025Q2": 6.69,
        "2025Q3": 6.37,
        "2025Q4": 6.32,
        "2026Q1": 6.81,
        "2026Q2": 7.04
      }
    },
    "hire_purchase__average": {
      "structure": "hire_purchase",
      "tier": "average",
      "label": "Hire Purchase \u2014 Average",
      "by_quarter": {
        "2024Q3": 9.39,
        "2024Q4": 9.39,
        "2025Q1": 9.14,
        "2025Q2": 8.89,
        "2025Q3": 8.64,
        "2025Q4": 8.64,
        "2026Q1": 9.14,
        "2026Q2": 9.39
      }
    },
    "hire_purchase__low_doc": {
      "structure": "hire_purchase",
      "tier": "low_doc",
      "label": "Hire Purchase \u2014 Low Doc",
      "by_quarter": {
        "2024Q3": 12.74,
        "2024Q4": 12.74,
        "2025Q1": 12.58,
        "2025Q2": 12.42,
        "2025Q3": 12.25,
        "2025Q4": 12.25,
        "2026Q1": 12.58,
        "2026Q2": 12.74
      }
    },
    "finance_lease__prime": {
      "structure": "finance_lease",
      "tier": "prime",
      "label": "Finance Lease \u2014 Prime",
      "by_quarter": {
        "2024Q3": 7.99,
        "2024Q4": 7.94,
        "2025Q1": 7.61,
        "2025Q2": 7.29,
        "2025Q3": 6.97,
        "2025Q4": 6.92,
        "2026Q1": 7.41,
        "2026Q2": 7.64
      }
    },
    "finance_lease__average": {
      "structure": "finance_lease",
      "tier": "average",
      "label": "Finance Lease \u2014 Average",
      "by_quarter": {
        "2024Q3": 9.82,
        "2024Q4": 9.82,
        "2025Q1": 9.57,
        "2025Q2": 9.32,
        "2025Q3": 9.07,
        "2025Q4": 9.07,
        "2026Q1": 9.57,
        "2026Q2": 9.82
      }
    },
    "finance_lease__low_doc": {
      "structure": "finance_lease",
      "tier": "low_doc",
      "label": "Finance Lease \u2014 Low Doc",
      "by_quarter": {
        "2024Q3": 13.0,
        "2024Q4": 13.0,
        "2025Q1": 12.84,
        "2025Q2": 12.68,
        "2025Q3": 12.51,
        "2025Q4": 12.51,
        "2026Q1": 12.84,
        "2026Q2": 13.0
      }
    },
    "operating_lease__prime": {
      "structure": "operating_lease",
      "tier": "prime",
      "label": "Operating Lease \u2014 Prime",
      "by_quarter": {
        "2024Q3": 8.05,
        "2024Q4": 8.0,
        "2025Q1": 7.67,
        "2025Q2": 7.35,
        "2025Q3": 7.03,
        "2025Q4": 6.98,
        "2026Q1": 7.47,
        "2026Q2": 7.7
      }
    },
    "operating_lease__average": {
      "structure": "operating_lease",
      "tier": "average",
      "label": "Operating Lease \u2014 Average",
      "by_quarter": {
        "2024Q3": 10.15,
        "2024Q4": 10.15,
        "2025Q1": 9.9,
        "2025Q2": 9.65,
        "2025Q3": 9.4,
        "2025Q4": 9.4,
        "2026Q1": 9.9,
        "2026Q2": 10.15
      }
    },
    "operating_lease__low_doc": {
      "structure": "operating_lease",
      "tier": "low_doc",
      "label": "Operating Lease \u2014 Low Doc",
      "by_quarter": {
        "2024Q3": 13.6,
        "2024Q4": 13.6,
        "2025Q1": 13.44,
        "2025Q2": 13.28,
        "2025Q3": 13.11,
        "2025Q4": 13.11,
        "2026Q1": 13.44,
        "2026Q2": 13.6
      }
    }
  }
}