Lendus.

Breaker Finance

Hydraulic breaker attachments cost from around £3,500 for a mini-excavator size to £35,000 for a heavy excavator class, usually financed alongside the carrier machine.

Can you finance a breaker?

Yes, breakers are financed as a standard asset purchase, usually on hire purchase or a lease, with the machine itself acting as the security. UK prices typically run £3,500 to £35,000, and most deals are written over 12-84 months with a deposit of around 10-20%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.

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Typical Cost

£4k – £35k

Approval Speed

24–48 hours

Same-day for straightforward deals

Rates From

6.4% - 11.9% per annum

What would a breaker cost per month?

£12,000
10%
60 months
9%
£0

Your estimate

Indicative only. Not a quote and not an offer of finance.

Pre-filled with a typical breaker price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
6.9% - 11.9% per annum
Term
12-84 months
Deposit
10-20%
Ownership
Yours at the end
Best for
Businesses that want to keep a breaker permanently matched to the excavator fleet

Finance Lease

Rate
6.4% - 10.9% per annum
Term
12-84 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Businesses that want lower upfront cost while matching attachments to a growing fleet; payments are usually deductible as an operating expense

Operating Lease

Rate
7.4% - 11.9% per annum
Term
24-60 months
Deposit
None required
Ownership
Return at end
Best for
Businesses that want to keep the breaker off balance sheet and upgrade regularly

Representative example

On a purchase price of £12,000: a 10% deposit of £1,200, then 48 monthly payments of £253 at 5.9% APR representative (fixed). Total amount payable £13,344, including the deposit. The rate you are offered depends on your business and the asset.

What buyers actually specify

Guide prices for sizing a finance agreement, not quotes. Manufacturers in this market mostly price on application, so where a current UK list price could not be confirmed the row describes a specification class rather than naming a model. Your supplier quote is what the agreement is written against.

Machine or specification Guide price Type
Hydraulic Breaker, 1-3 tonne carrier class £3,500 - £7,500 Mini Excavator Breaker
Hydraulic Breaker, 5-8 tonne carrier class £7,500 - £14,000 Midi Excavator Breaker
Hydraulic Breaker, 13-20 tonne carrier class £14,000 - £24,000 20-Tonne Class Breaker
Hydraulic Breaker, 25 tonne+ carrier class £22,000 - £35,000 Heavy Excavator Breaker

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Tax benefits

A hydraulic breaker is treated as plant and machinery for tax purposes, so it qualifies for the Annual Investment Allowance (AIA), letting a business deduct the full cost from taxable profits in the year of purchase, up to the current £1,000,000 annual limit. Companies buying new, unused equipment may also qualify for full expensing, a 100% first-year deduction against Corporation Tax. These allowances apply where you own the asset, so they are available under a Hire Purchase agreement. Under a Finance Lease or Operating Lease you do not own the hydraulic breaker outright, so allowances are not claimed directly; instead the payments are generally deducted as a business expense against profits. Always confirm treatment with your accountant before committing to a structure.

Market context

Hydraulic breakers are bought by demolition and groundworks contractors who already run an excavator fleet, since a breaker is only useful attached to a suitably sized carrier machine. Many businesses finance the breaker alongside a new excavator purchase, or add it separately once workload justifies owning rather than hiring an attachment for occasional use. Replacement is driven by wear to the tool bit, bushings and internal seals rather than age, and a breaker's size class, matched to carrier weight, matters more to resale value than the brand.

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Several of our 200+ lenders specialise in businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options exist. Checking your options here does not affect your credit score, because we do not run a credit search to match you. A lender will run their own checks only if you decide to apply.

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Frequently asked questions

Can I finance a used breaker?
Yes. Lenders will finance used breakers, though because the asset is a relatively low-cost attachment, it's often financed together with the carrier excavator or as part of a small attachments package rather than as a standalone deal. Bushing and seal condition are the main things to check before buying used. Whatever the age of the breaker, a clear paper trail showing how it has been maintained and used will always work in your favour when negotiating price and terms.
What term suits a breaker's working life?
3 to 5 years is typical, reflecting how quickly bushings, seals and the tool bit wear under regular impact use. Demolition contractors running a breaker intensively often replace it faster than a general groundworks business using it occasionally. Getting the term broadly right for a breaker matters more than chasing the lowest possible monthly payment, since a mismatch either strains cashflow early on or leaves you paying for a machine that has already become expensive to keep running.
Is a breaker eligible for Annual Investment Allowance?
Yes, a hydraulic breaker is plant and machinery and qualifies for AIA up to the current annual limit under Hire Purchase, in the same way as the excavator it attaches to. Leased breakers don't attract AIA, but payments are usually deductible as a business expense. It is worth confirming the treatment with your accountant at the point of purchase, since claiming the allowance in the year you buy the breaker rather than spreading relief over several years can make a real difference to that year's tax bill.
What happens at the end of the agreement?
HP means the breaker is yours once paid off, which is the most common route given breakers are usually bought to match a specific carrier long-term. Leasing a standalone breaker is less common, though it can suit a business trialling a new size class before committing. Which option suits best usually comes down to whether you expect to keep using this exact breaker for years to come, or whether you are likely to want a newer or different-specification machine within a few years.
Do I need a deposit?
Where financed as part of an excavator and attachment package, the deposit follows standard Hire Purchase terms of 10-20%. A standalone breaker deposit is often lower given the smaller amount financed, though this varies by lender. If cash is tight when the breaker is needed, ask the lender whether the deposit can be reduced in exchange for a marginally higher rate; this is often negotiable, particularly for an established trading business.

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