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We offer tailored vehicle finance solutions designed to power business growth. Whether you’re financing a single company car or rolling out a large-scale commercial fleet expansion, we have the expertise and lender network to make it happen — smoothly, efficiently, and with terms that suit your long-term strategy.
We specialise in complex, full-documentation applications and are widely recognised for our ability to get results where others can’t. Our deep understanding of business finance and lender criteria allows us to structure deals that not only get approved but work for your business’s cash flow and growth trajectory.
If you’re planning to scale your operations with a full fleet upgrade or expansion, we’re the partner you want in your corner. From sourcing competitive finance options to navigating the finer details of commercial lending, we handle the hard work — so you can stay focused on running your business.
It doesn’t end with the settlement. We build lifelong partnerships with our clients, offering ongoing finance support as your business grows and evolves. Whatever stage you’re at, we’re here to help you take the next step with confidence.
Novated Lease
This is a type of loan where there is an agreement between the bank, the employer, and the client. It is a commercial arrangement. Here’s how it works:
The bank buys the asset and gives it to the client. Instead of the client, the employer makes the repayments to the bank. The employer then deducts a portion from the client’s salary every fortnight, week, or month. This deducted amount covers the loan repayment.
The benefit for the client is that this amount is deducted before tax, reducing overall tax implications. This structure is unique and has been supported by government authorities recently, especially for electric vehicles.
It can help in planning taxes effectively if you use your vehicle for work-related travel like sales calls or business meetings approved by your employer. A novated lease offers good tax savings and lower interest rates depending on the lender.
There are two types of non-releasing structures to consider. One is a finance-only agreement, and the other is a fully maintained novated lease.
In a finance-only novated lease, the client is responsible for all loan payments for the car. However, maintenance, fuel, registration, and insurance costs are not included in the loan repayments. The client must handle these expenses separately. This structure is usually the most cost-effective way to get a lease.
In a fully maintained novated lease, the loan repayments include additional services like insurance, registration, maintenance, and fuel costs. These plans often come from a novated leasing company and may have restrictions on the number of kilometres travelled. Because a third party organises these extra services, there are additional charges that are passed on to the client. While it might seem like there are bigger tax savings on paper on a fully maintained novated lease, it’s important to carefully review all costs and final tax implications with an experienced asset finance broker.
Both structures have their benefits. To make an informed decision, you need the expertise of a knowledgeable broker who understands novated lease thoroughly.
