Indicative rates, November 2026
| Equipment / asset | Finance type | Rate | Term |
|---|---|---|---|
| Micro-trencher / mini-trencher | Hire purchase | From 5.5% APR | 2-4 years |
| Chain trencher (mid-size) | Hire purchase | From 5.7% APR | 3-5 years |
| Large tracked chain trencher | Hire purchase | From 6.0% APR | 3-5 years |
| Rock saw / rock trencher | Hire purchase | From 6.2% APR | 3-5 years |
| Trencher + spoil management package | Hire purchase | From 5.8% APR | 3-5 years |
Worked example: Vermeer T1255 Commander 3 chain trencher
| Asset value | £280,000 |
|---|---|
| Finance type | Hire purchase |
| Term | 5 years |
| Rate | 6.1% APR |
| Monthly payment | £5,426 |
| Total repayable | £325,560 |
| Total interest | £45,560 |
| Ownership | Outright at end of term |
Why finance through a broker?
- Vermeer, Ditch Witch, Tesmec - all makes funded
- Micro-trenchers for fibre: lighter underwriting, faster decision
- Rock saws: specialist assessment - include cutting specification in enquiry