Novated leases, chattel mortgages, and car loans compared side by side to find the right fit for how you actually use your vehicle.
The finance option that suits a private buyer, a sole trader, and a company car are rarely the same thing — picking the wrong structure can cost you in tax, resale flexibility, or interest paid over the life of the loan. Our lending team compares your options against how the vehicle will actually be used.
A novated lease lets you finance a vehicle through your employer using pre-tax salary, which can bring real tax advantages depending on your income and how the vehicle is used. Our lending team helps you work out whether a novated lease actually stacks up for your situation.
For business use, a chattel mortgage is often the most tax-effective way to finance a vehicle, with the asset used as security and potential GST and depreciation benefits. Our lending team compares this against other business finance options to find the right fit.
A straightforward secured car loan remains the simplest option for many buyers — fixed repayments, a fixed term, and no salary packaging complexity. Our lending team compares rates and terms across lenders so you're not just taking the first offer from the dealership.
Structuring part of the loan as a balloon or residual payment lowers your regular repayments, but it means a lump sum is due at the end of the term. Our lending team makes sure you understand exactly what that final payment looks like before you commit to it.
The lowest monthly repayment isn't always the cheapest option once interest, fees, and any balloon payment are added up over the life of the loan. Our lending team compares the total cost of your options, not just the number on the repayment schedule.
A quick comparison before you sign can be the difference between a good deal and an expensive one.
Talk to Our Lending TeamBook a free initial consultation — no obligation, just an honest conversation about where you're at and where you'd like to be.