Independent advice for choosing the best car for you on a novated lease

Choosing a new car can be overwhelming. When you start to research, you soon realise there’s a flood of factors to consider, such as size, fuel type, extras, not to mention how to pay for the car. For some people it’s an emotional decision, for others it’s purely financial. If the deciding factor for you is getting the car you want at the most reasonable price, and you like the idea of keeping your running costs low throughout the life of the car, then this is the guide for you. A novated lease is a powerful way to get your ideal car for less – and make ongoing savings – and your novated lease provider can offer independent guidance and a few other benefits to help you make the most informed choice.

Novated leasing: A brief summary

If you’re not familiar with novated leasing, here’s a quick recap: a novated lease is a way to salary sacrifice your car, which means you can tap into your pre-tax income. To put it another way, rather than your employer paying your tax obligations and then you paying for your car from your net (or, after tax) income, with a novated lease your employer makes your car payments first, and then pays your tax obligations. This means that your taxable income is lower (as you’ve paid for your car from your salary first) and you therefore pay less tax. Furthermore, you can save GST on the price of your car and include all of your running costs (fuel, rego, roadside assistance, insurance and servicing) within the one simple, affordable payment.

Getting access to wholesale car pricing

One of the best things a novated lease provider can do is access wholesale pricing on cars. An experienced novated lease provider will have purchased thousands of vehicles. This entitles them to fleet discounting from all manufacturers, which consumers generally can’t receive directly. A good novated lease provider will pass this price to you and this alone can save thousands of dollars off the recommended retail price. However, it’s important to be sure that any novated lease provider you speak to is completely independent and isn’t affiliated with any car brand or dealership, which would potentially limit you from receiving the best option possible. 

Avoiding pushy salespeople: Independent guidance to make the right choice

When you’ve decided to get a new car and begin your research, it can be daunting. Variables such as resale value and fuel efficiency, combined with reliability and ongoing servicing considerations, are all critical factors when weighing up a vehicle's true “ownership” cost. The research phase can reach oppressive levels when visiting a car dealership. It’s normal to feel some apprehension at a car lot, and it’s hard to sidestep car salespeople’s reputation for being pushy and biased – and of advising people to buy cars that suit the dealership more than the buyer. We’ve had plenty of feedback like this for years and understand that overwhelming feeling. It’s how we started doing the legwork for people wanting a new car but not wanting to be treated like a target by car dealers. 

We understand that your car needs to serve your particular requirements and circumstances.  Everyone in our team is a vehicle enthusiast and enjoys the process of helping you find the right car, with the right options, at the right price. We listen to you to understand what you need out of a vehicle and what’s important to you. We’ll then talk through the options available in the market from various manufacturers, to help you settle on the right car.  We’re not affiliated with any brand and our business does not depend on selling any particular model or type of car, so our advice is genuinely impartial and focused on achieving the best result for you. We can arrange for you to test drive a vehicle at a dealer and if the vehicle you want is in another state, we can arrange to have it shipped to you. We know an overinflated price when we see one, and we’ll always tell you if we think you’re buying a lemon or something that’s not suited to you.

Get in touch

If you feel like you’re struggling to get helpful independent advice and have questions, give us a call on 1300 888 594 for an obligation-free chat. We’re completely unbiased to any particular manufacturer or dealership and can help you find the right vehicle that will perform best for your needs and priorities. If you prefer, you can request a callback or send us a message and we’ll get back to you.