The Most Tax Effective Way To Own Your Dream Car Today!

Taking advantage of a novated lease when buying your next car is guaranteed to save you money. Not only that, if you take out a novated lease you won’t have to worry about paying for fuel, servicing, tyres, rego or insurance ever again because it is all included. That’s right, we’ve got this covered so you don’t need to worry.

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Step 1 – Get your pre-approval in place : It makes sense to get this sorted first. Let us discuss your needs and find out exactly how much you can spend on your new car.

Step 2 – Tell us what car you want : Have some fun and go and test drive your dream cars. Once you know which one you want let us know and we will help you secure the best deal possible.

Step 3 – Calculate your running costs : Now that we know what car you are going to be driving we can calculate all of the expenses we pay on your behalf. These include the payments for fuel, servicing, tyres, insurance, and registration.

Step 4 – Setup the lease : At this point all of the hard work is done. We’ll let your employer know how to make payments on your behalf and we’ll run you through everything involved with your new lease

Step 5 – Drive away knowing everything is covered. Other than remembering where you left your keys, and making sure you fill up in time, we do everything else. You will already have your fuel card and we will arrange your servicing, tyres, insurance and registration whenever its needed. This really is the cheapest and easiest way to buy a car.


Do I have to use the car for work?

As a matter of fact a lot of our customers even novate the second family car as well! There is no requirement about what the vehicle is used for.

Will I still save money if I don’t drive a lot?

Of course, the rules were changed back in April 2014 and since then everyone gets the same benefit. You might actually find out you are even better off. That is because at the end of the lease your car is probably going to be worth more than someone who has driven theirs 3 times further so it is more likely that you will have more money in your pocket after the residual is paid.

What happens at the end of the lease?

At the end of the lease you have 3 options. You can either 1. Purchase the vehicle from the financier for the residual payment 2. Refinance the residual payment by extending the lease 3. Trade in your vehicle for a new one (or sell it privately and upgrade). Either way we will give you plenty of notice and help you with your decision

Do I need to ask my employer?

A novated lease is an agreement between you, your employer, and the financier.

What if my employer says no?

Just like there is a lot of confusion for consumers, employers feel the same. We can have a chat to your employer and show them where they benefit as well. That’s right, it’s not just you that saves money but your employer will too.

Doesn’t the FBT cancel out my savings?

Absolutely not. Because we take the time to structure the lease in the most suitable way there is not a cheaper or more tax effective way to purchase a car, not even 0% finance.

But what if I don’t use the KM’s I estimated?

Don’t worry, this happens quite a lot. If you find that you are driving more or less KM’s, then we can recalculate the lease and adjust the payments as needed. Any unused fuel and maintenance costs will be reimbursed to you at the end of the lease, you only pay for what you use.

As long as you are paying income tax and need a car (for whatever reason) we can help. There are a lot of myths about novated lease so let us answer some of the more common ones;

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A novated lease operates a little differently from your standard car loan and because of this some of our customers are unsure about taking advantage of this great product. Once our friendly team has taken the time to explain how it all works, everyone is a lot happier.

A novated lease has 2 major differences to standard car finance. Firstly, all of your vehicles running costs are managed by the finance company. This means that you only need to budget for 1 payment each month. No more worrying about budgeting for insurance, servicing, registration, fuel or tyres as all of this is included in your monthly payment. Secondly, with a novated lease you can take advantage of using some pre-tax income to make your monthly repayment. By using your pre-tax income you are effectively reducing your tax and leaving yourself with more cash at the end of each month than if you took out a standard car loan.


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