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Rock Breaker Finance

Quarry-duty hydraulic rock breakers cost from around £15,000 for a mid-size excavator attachment to £90,000 for a heavy breaker fitted to a 45-tonne-plus carrier, usually financed alongside or shortly after the excavator itself.

Can you finance a rock breaker?

Yes, rock 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 £15,000 to £90,000, 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

£15k – £90k

Approval Speed

24–48 hours

Same-day for straightforward deals

Rates From

5.4% - 9.9% per annum

What would a rock breaker cost per month?

£38,000
10%
60 months
9%
£0

Your estimate

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

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

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Finance options

Hire Purchase (HP)

Rate
5.9% - 9.9% per annum
Term
12-84 months
Deposit
10-20%
Ownership
Yours at the end
Best for
Quarries running a breaker as a permanent secondary-breaking tool alongside a dedicated carrier excavator

Finance Lease

Rate
5.4% - 8.9% per annum
Term
12-84 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Contractors adding breaker capacity to an excavator they already own, without a large upfront outlay

Operating Lease

Rate
6.4% - 9.9% per annum
Term
24-60 months
Deposit
None required
Ownership
Return at end
Best for
Plant hire firms that want to refresh the breaker attachment fleet as tool wear accumulates

Representative example

On a purchase price of £38,000: a 10% deposit of £3,800, then 48 monthly payments of £802 at 5.9% APR representative (fixed). Total amount payable £42,296, 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
Medium-duty hydraulic breaker (750-1,200kg, 13-20 tonne carrier) £15,000 - £30,000 Hydraulic Breaker Attachment
Heavy-duty hydraulic breaker (1,500-2,500kg, 25-40 tonne carrier) £32,000 - £65,000 Hydraulic Breaker Attachment
Quarry-class hydraulic breaker (2,800kg+, 45 tonne+ carrier) £68,000 - £90,000 Hydraulic Breaker Attachment

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Tax benefits

A hydraulic rock 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 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

Quarry-duty rock breakers are bought mainly by aggregate quarries and hard rock operators to reduce oversize boulders that come off the face too large for the primary crusher's hopper, plus demolition and utilities contractors working in rock ground. Because the breaker is an attachment rather than a standalone machine, it's often financed as an add-on once a business already owns or is financing the carrier excavator, with the two agreements sometimes bundled together. Replacement is driven by wear to the tool point, chisel and seal kit rather than the housing itself, and a healthy used market exists for reconditioned breakers from approved dealers who rebuild the wear parts before resale.

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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 a hydraulic rock breaker be financed separately from the excavator carrying it?
Yes. A breaker is a standalone asset for finance purposes even though it's only useful mounted on a carrier machine, so a lender can finance the breaker on its own agreement whether the excavator underneath it is owned, leased or hired. Many quarries do exactly this, adding a breaker to a carrier they already run. If you're financing both together, some lenders will combine them onto one agreement, but there's no requirement to do so, and keeping them separate can make sense if the excavator and breaker are on different replacement cycles.
What size breaker do I need for quarry secondary breaking?
Breaker weight is generally matched to the carrier excavator's operating weight, with a rough guide of the breaker weighing 6-10% of the carrier's weight, though your supplier will size this precisely against your excavator model and the typical boulder size on site. Undersizing a breaker for the rock you're working leads to slow cycle times and higher wear on the tool point, while oversizing risks stressing the carrier's boom and hydraulics. Getting this right before you finance the equipment avoids paying for capacity you can't actually use or, worse, finding the breaker underpowered for the job.
Can I finance a reconditioned rock breaker?
Yes, reconditioned breakers from approved dealers are routinely financed, and because the wear parts (the tool point, bushings and seal kit) are the components that actually degrade, a professionally reconditioned breaker can offer most of the reliability of new equipment at a lower price point. Lenders will typically want to see the reconditioning was carried out by a recognised dealer with a service record. As with any used hydraulic equipment, a clear paper trail on maintenance history works in your favour when negotiating both price and finance terms.
Does the breaker need to be matched to a specific excavator for the finance application?
Lenders generally want to know the intended carrier so they can sense-check the breaker specification against realistic use, but the finance agreement itself is against the breaker as an asset, not tied to a particular excavator serial number in most cases. This means if your carrier excavator changes during the finance term, whether through replacement, upgrade or a change of fleet, the breaker finance agreement typically continues unaffected as long as the new carrier is broadly compatible.
Is a hydraulic rock breaker eligible for Annual Investment Allowance?
Yes, a hydraulic breaker qualifies as plant and machinery, so it's eligible for AIA up to the current annual limit under Hire Purchase, letting a business deduct the full cost against profits in the year of purchase. Leased breakers don't attract AIA directly, but the rental payments are usually deductible as a business expense instead. Given breaker values are often modest compared with the carrier excavator, this rarely changes the finance decision on its own, but it's worth confirming treatment with your accountant, particularly if you're financing several breakers across a fleet in one tax year.

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