Novated Leasing Guide - Fleet Auto News · Hyundai i30 we’ve had our eye on. HEy Babe... My new employer is offering salary packaging. It means we can get our new car. LATER THAT

Novated Leasing Guide

2017

See more amazing.The Hyundai Tucson.

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Hyundai Tucson Highlander variant shown. *Panoramic glass sunroof is available standard on the Tucson Highlander variant and available as an optional extra on the Tucson Active X and Elite variants.

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HMCA11588_Tucson_A4_FLG.indd 1 27/02/2017 12:23 PM

1

Novated Leasing Guide 2017

fleetautonews.com.au

After 20 years in fleet leasing and management I’m still amazed at the general lack of understanding about the financial savings a novated lease can provide.

I’ve come to the conclusion that its the complex nature of PAYG, GST and FBT that creates the benefit, and at the same time stops people from investigating further. Its also because the savings seem too good to be true. And as the old saying goes ‘If it looks too good, it probably is’.

But the savings available through novated leasing are real.

To explain the complexities this guide contains several articles covering the basics of novated leasing through to more complex issues such as FBT, ECM and luxury vehicles.

It also provides a list of vehicles to help you with your initial investigation when considering a number of vehicle finance options. The data on each vehicle is not comprehensive. It’s a sample of the information you’ll see on a novated leasing quote and highlights the financial savings that are available.

There’s a broad range of vehicles with an indicative monthly lease rental on each one. This is because most of us desire cars that are beyond our financial reach, when looking at the initial purchase price, though when presented as fixed monthly cost you may be able to put the one you want in your driveway.

If you are considering a novated lease now or in the future this guide is for you. It shows the key financial components you should consider in the process of selecting the right vehicle for your lifestyle, family size or stage in life.

The guide is also for the person within an organisation that gets asked all the car questions. It may be the fleet manager or in 2017 it could be Human Resources, Finance or Procurement. If this is you, please share this guide with your colleagues to help them better understand the benefits and vehicle affordability offered through a novated lease.

If nothing else, this guide can be used to dream about the car you would own if money was no object.

Regards,

Marc SibbaldFleet Auto News

http://fleetautonews.com.au

How does that work

Oh, that sounds good but is it legal?

By paying for the car from my salary before it is taxed, it

ends up saving thousands.

It is totally legal. I checked out

the Tax Office website. It means we can get the

Hyundai i30 we’ve had our eye on.

HEy Babe... My new employer is offering salary packaging. It means we can get our

new car.

LATER THAT DAY

Can you see yourself behind the wheel of a Pathfinder?

Your employer can.

Did you know your employer can help you get into a brand-new Nissan Pathfinder? When you salary sacrifice a Nissan with your employer you’ll see that combining the potential for tax minimisation and

Nissan’s novated pricing will exceed your expectations.

For more information visit nissan.com.au/salarysacrifice

3



How does that work

Oh, that sounds good but is it legal?

By paying for the car from my salary before it is taxed, it

ends up saving thousands.

It is totally legal. I checked out

the Tax Office website. It means we can get the

Hyundai i30 we’ve had our eye on.

HEy Babe... My new employer is offering salary packaging. It means we can get our

new car.

LATER THAT DAY

#So just what is novated

leasing?When you hear the term salary packaging, it usually means your company is offering you a way to get your car financed through a scheme called novated leasing.

Don’t be put off by the term. Novated just means that one party to a contract is substituted for another. Put simply, it means the company you work for agrees to pay the lease and take the money out of your salary. Doing it this way reduces the amount of tax you pay.

Novated leasing is a legal tax deduction available to any employee.

More and more employers are offering it; more and more employees are taking it up.

The sales pitch says everyone can save money with a novated lease. And in most cases it’s true, but you need to take the time and do some research first.

The savings come from a combination of reduced taxable income (this is a key part you need to understand), buying power and GST input tax credits being claimed by the financier.

The best way to learn more is to Google “novated leasing”. From a quick search you’ll find some simple tools and explanations to answer all your questions.

If you still have questions talk to someone in human resources. They should be able to point you in the right direction.


What are you waiting for?

It’s legal, it saves money, and best of all

you are going to get the car you thought you

couldn’t afford. Congratulations!

New job, new car!

BACK AT HOME

The salary packaging provider took me through a couple of options

today.

I''m going to save thousands for sure. There’s a couple of ways of doing it and

they both save a lot.

It doesn’t take

long to set it up and get the car. lots

of companies put novated leases

together.

Many modern vehicles are now equipped with driver safety assistance technology. The majority of camera systems are either attached to the inside of the windscreen or mounted on the roof and look through the windscreen. In both cases, the camera system must be recalibrated after windscreen installation.

Advanced Driver Assistance Systems and Windscreen Recalibration

Find out about our recalibration services at obrienautoglass.com.au or call 13 16 16

17B302_OBG_ADAS_A4 advert_fa.indd 1 10/02/2017 8:39 am

5



What are you waiting for?

It’s legal, it saves money, and best of all

you are going to get the car you thought you

couldn’t afford. Congratulations!

New job, new car!

BACK AT HOME

The salary packaging provider took me through a couple of options

today.

I''m going to save thousands for sure. There’s a couple of ways of doing it and

they both save a lot.

It doesn’t take

long to set it up and get the car. lots

of companies put novated leases

together.

Many modern vehicles are now equipped with driver safety assistance technology. The majority of camera systems are either attached to the inside of the windscreen or mounted on the roof and look through the windscreen. In both cases, the camera system must be recalibrated after windscreen installation.

Advanced Driver Assistance Systems and Windscreen Recalibration

Find out about our recalibration services at obrienautoglass.com.au or call 13 16 16

17B302_OBG_ADAS_A4 advert_fa.indd 1 10/02/2017 8:39 am

# Why not just buy a car?

Are you planning to buy a car? Do you already own a car? What does it cost to run?

The good news is you could end up with more dollars in your pocket if you get a novated lease compared to owning it yourself. It’s true!

You don’t need to earn a fortune to save money.

All you need to do to take advantage of this legal (and easy) way of reducing your tax bill is to work for a company that offers it as a benefit. And if they don’t, think about changing jobs!

So what’s the difference between owning and a novated lease? The first thing is the running costs are paid from your salary before the tax is taken out. This reduces your income which also reduces the tax you pay.

What do we mean by running costs? Well the obvious one is fuel. You also have servicing, finance costs and insurance. When they are included in the lease the financier claims the GST input tax credit which is like you getting a 10 percent discount.

Sure it’ll take some time to get your head around the benefits. But do the research. Take the time and you’ll thank us.

There’s plenty of information online, including calculators that will detail the savings. Just Google “novated leasing” and start from there. Or talk to your HR people.


6

Novated Leasing

Guide 2017


This novated lease thing is

going to save even more than I first

expected.

Sounds good. Tell me more.

Well it’s a bit hard to

explain, but there’s a

way of writing the lease

that takes advantage of

my lower marginal tax

rate compared with the

FBT rate.

Well so long as it’s all

above board. Is it?

Yeah, I took the time

to check it out on the Australian Tax Office website and

it really made sense to me.

Anything that saves money is good.

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7



This novated lease thing is

going to save even more than I first

expected.

Sounds good. Tell me more.

Well it’s a bit hard to

explain, but there’s a

way of writing the lease

that takes advantage of

my lower marginal tax

rate compared with the

FBT rate.

Well so long as it’s all

above board. Is it?

Yeah, I took the time

to check it out on the Australian Tax Office website and

it really made sense to me.

Anything that saves money is good.

#Structure your novated lease

the ECM wayIf you go sailing or play any sport, you have to learn new words, acronyms and rules. Taking up novated leasing is just like that – it has its own codes. One key acronym is ECM. It stands for Employee Contribution Method.

It’s very good to understand this, because it refers to a particular way of structuring a novated lease to get the max tax advantage. It’s about the difference between the rate of tax you pay on your income and the one set for fringe benefit tax.

Getting your head around it, and making sure it’s how your novated lease is structured, may help you save hundreds or thousands of dollars a year.

The benefits of the novated lease are essentially financial.

Using the ECM method is one of the key avenues to getting the best value out of the arrangement.

The Australian Tax Office provides examples on its website of how the FBT component can be reduced to nil when an employee makes contributions from their after-tax income in salary packaging arrangements with their employer.

Remember, FBT applies to 20 percent of the value of the vehicle.

The ECM method means an employee can pay the equivalent of an FBT liability at their marginal income tax rate rather than the FBT rate -- equal to the highest income tax rates. It usually means more dollars in your pocket rather than the tax man’s because most of us aren’t in the salary bands that get hit with the higher rates of income tax.


it’s just that if we buy the car outright we don’t pay FBT, but I do have to pay it if I take up this novated lease salary packaging offer.

I hate talking about

TAX stuff. Do we have to?

. It’s definitely going to save thousands

a year taking up the salary packaging offer to get my

new car.

Well I guess it doesn’t matter what the name of the tax is, it just depends on what the best outcome is in the end.

We’ll take good care of you and your new ‘baby’ for the life of your lease*. You won’t need to worry about a thing, simply tell us what car you would like to drive and we’ll take it from there.

We’ll find the car with the specs you request, negotiate the best deal, complete the paperwork, arrange the lease, organise registration, insurance and delivery. All the hard work is done for you while you just need to sign and send back your lease!

And we don’t stop there. Everything you need to run your car is wrapped up into one neat little bundle of monthly payments including annual registration, insurance, accident management, servicing, maintenance and even fuel† - part of which can be taken from your pre-tax salary reducing your taxable income^.

Sit back and enjoy the ride.

Your new bundle of joy delivered worry free... for the life of the Novated Lease*.

*Terms & Conditions apply. All applications are subject to normal lending and credit criteria Custom Service Leasing Pty Ltd ABN 60 073 245 084 †Bundled services and monthly lease payment will vary depending on what you select. ^Tax benefits will vary and depend on annual income, vehicle purchase price, running costs and tax contribution method.

So how much could we save you?Call 1800 811 922 for a quote today or visit drive.customfleet.com.au

9



it’s just that if we buy the car outright we don’t pay FBT, but I do have to pay it if I take up this novated lease salary packaging offer.

I hate talking about

TAX stuff. Do we have to?

. It’s definitely going to save thousands

a year taking up the salary packaging offer to get my

new car.

Well I guess it doesn’t matter what the name of the tax is, it just depends on what the best outcome is in the end.

#What about the Fringe

Benefits Tax?You may not be an accountant, but you need to know about Fringe Benefit Tax (aka FBT) and how it applies to a novated lease.

FBT applies to many non-cash benefits an employee gets from their employer, such as entertainment, living-away-from-home expenses, and the private use of a company-owned car.

The Australian Tax Office says that “a benefit” arises when a work vehicle is used for private travel by an employee.

You’ll be using your novated lease vehicle for private trips (because that’s what we do with cars) so you’ll be getting “a benefit” which will attract FBT.

If you start talking about FBT everyone’s either an expert, or an ostrich with their head in the sand. That’s because the calculation sounds complicated and varies depending on the type of organisation you work in.

And the formula has changed in recent years to make it easier. It’s now flat rate compared to the old days when you needed to drive thousands of kilometres every year just to pay less FBT.

For the detail orientated people you can get the what, why and how from the ATO website.


10

Novated Leasing

Guide 2017


Motor Vehicle Employee BenefitsThrough Summit Fleet

Have you recently purchased a vehicle?

Are you in the market to buy a new car?

Do you own your car?

Contact us, you could save thousands with one of our Novated Leases!

1800 Fleet Leasewww.summitfleet.com.au

[email protected]

Proud Supporters of the Sydney Sixers

Your Ride? Your Rules!

C

M

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MY

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11



MEANWHILE BACK ON THE LOUNGE

I wonder if I can

get the luxury car I’ve always dreamed of and still get tax deductions through salary packaging.

You better check it out. Surely, there’s some limits to this scheme.

You’re right. There are

limits. Cars worth more than $64,132 are considered luxury and

different rules apply.

what does that mean?

the tax arrangement isn’t

as good as if it were a standard

vehicle.

Can you drop some of the optional extras like the tow ball and driving lights and get it to come in under $64,132?

#Can I buy luxury vehicles?

Are you looking to buy a car that is worth more than $64,000? If so, there are some special rules in regards to tax and novated leases that you need to consider.

The Australian Tax Office regards any passenger vehicle with a purchase price of $64,132 or more as a “luxury” vehicle. In 2017 that’s not a lot of car.

For those who consider the environment with every purchase the threshold is $75,526 for fuel-efficient cars (those with a fuel consumption of seven litres per 100 kilometres or less).

So if you were looking at a BMW M3 or Porsche 911 as a novated lease option you may need to do a little more research because lots of things change once the purchase price soars above $64k.

Once a vehicle is deemed “luxury” the financier is limited to the amount of GST credits they can claim and lease payments on luxury vehicles aren’t fully tax deductible. This changes the way savings are calculated compared to buying the car yourself.

For more details you can get the what, why and how from the ATO website.


TAX-EFFECTIVE FINANCE

NOVATEDLEASING

It is recommended that you seek appropriate advice from a taxation consultant or fi nancial adviser. Toyota Fleet Management is a division of Toyota Finance Australia Limited ABN 48 002 435 181. AFSL and Australian Credit Licence 392536. TFS1424 (02/17)

toyotanovated.com.au

At Toyota Fleet Management we believe in always being open and transparent. That’s why all our rates, fees and charges for novated leases are crystal clear, which people seem to appreciate. Funny that.

Benefits of novated leasing with TFM: – Your choice of car, any make or model

– Complete transparency across all rates, fees and charges

– Highly competitive interest rates due to direct funding

– Savings through TFM’s buying power on the cost of the car

– Further savings with a TFM Fuel Card

– Competitively priced servicing, maintenance and tyres

– Our handy driver app, DriverDirect, featuring a log book, expense tracker, fuel locator and Toyota Dealer locator

– A dedicated team of experts to support you throughout your lease.

For great rates with no hidden surprises, call 1300 888 870 or visit toyotanovated.com.au to calculate and compare your savings.

We don’t disguise anything about our novated leases

TFS1424_NL_AutoNews_Press_Ad_AW2.indd 1 16/02/2017 12:40 PM

13



# Why is it called a novated lease?

This is because of the special three way agreement between the employer, employee and leasing company. The document used to formalise this agreement is called a novation agreement.

A novation agreement is a common legal document used when assigning responsibilities (i.e. payment of your lease by your employer to the leasing company) to a third party.

# Where do the annual savings come from?

The savings come from a reduction in the initial purchase price through buying power and from not paying GST. There are also savings in fuel, maintenance and tyres (once again not paying the GST). And the last component of the savings comes by using pre-tax salary.

# What’s the difference between Recommended Retail Price

(RRP) and on-road cost?

RRP retail is the manufacturer’s listed price for the vehicle only. The on-road cost includes registration fees, purchase stamp duty and dealer delivery costs.

# Why is there a difference between on-road cost and

amount financed?

The on-road cost is what you would pay when buying the vehicle yourself. The amount financed is the total on-road vehicle cost with a novated lease.

It’s lower because there is no GST and some vehicle manufacturers recognise novated buyers as a fleet buyer. So they

provide extra discounts that may not be available to a retail buyer. The leasing companies also negotiate lower dealer delivery charges and extra discounts.

# Do you have to drive high kilometres to benefit from a

novated lease?

No. Even employees driving less than 7,000 kilometres per annum can benefit.

# What happens if I change employers?

Here are some of the options if you leave your current employer but you should also check with your current provider.

Organise a new novated lease with your new employer through their preferred provider.

Continue to pay your lease payments and all running costs to the leasing company until the end of the lease.

Pay out the lease by selling or purchasing the vehicle.

# Can I get a novated lease on a used or demonstrator

vehicle?

Yes. Each leasing company has different restrictions on the age of used vehicles that can be financed so you need to check first. But if you’re buying a young, low kilometre car there should be no issues. You could also lease the vehicle currently parked in your driveway.

There are plenty of other questions to be answered and that’s where a specialist can help. Contact one of the advertisers in this guide, or your organisation’s preferred provider.

EXPLANATION OF HEADINGS

MakeThe manufacturer of the vehicle.

ModelThe model of the vehicle.

VariantThe vehicle specification within the model range.

Body typeDescribes the shape of the car.

Fuel typeThe fuel used in the vehicle.

TransmissionHow you change the gears.

PerformanceEngine power output.

Recommended Retail Price The manufacturer’s Recommended Retail Price.

On road costThe total cost to get the vehicle on the road in NSW including registration, stamp duty and dealer delivery. Also known as drive away price.

Amount financedThis is the amount you will borrow from the novated leasing company in your lease.

Residual valueThe amount that you will need to pay at the end of the lease term.

Monthly rental Including running costs it’s the monthly amount that you would pay with a novated lease. It includes the finance component and a budget for all the vehicle’s running costs. i.e. fuel, maintenance, tyres, insurance.

Annual savings after tax* This is the estimated financial benefit of a novated lease compared to owning and financing the car yourself from post-tax salary.

#Answers to commonly asked Questions

TAX-EFFECTIVE FINANCE

NOVATEDLEASING

It is recommended that you seek appropriate advice from a taxation consultant or fi nancial adviser. Toyota Fleet Management is a division of Toyota Finance Australia Limited ABN 48 002 435 181. AFSL and Australian Credit Licence 392536. TFS1424 (02/17)

toyotanovated.com.au

At Toyota Fleet Management we believe in always being open and transparent. That’s why all our rates, fees and charges for novated leases are crystal clear, which people seem to appreciate. Funny that.

Benefits of novated leasing with TFM: – Your choice of car, any make or model

– Complete transparency across all rates, fees and charges

– Highly competitive interest rates due to direct funding

– Savings through TFM’s buying power on the cost of the car

– Further savings with a TFM Fuel Card

– Competitively priced servicing, maintenance and tyres

– Our handy driver app, DriverDirect, featuring a log book, expense tracker, fuel locator and Toyota Dealer locator

– A dedicated team of experts to support you throughout your lease.

For great rates with no hidden surprises, call 1300 888 870 or visit toyotanovated.com.au to calculate and compare your savings.

We don’t disguise anything about our novated leases

TFS1424_NL_AutoNews_Press_Ad_AW2.indd 1 16/02/2017 12:40 PM


14

Novated Leasing

Guide 2017


SMALL

MakeModelVariantBody typeFuel typeTransmissionPerformanceRecommend retail priceOn road costAmount financedResidual valueMonthly rentalAnnual savings after tax*

SMALL


SMALL


AudiA32.0 TFSISedanPULPDCT140kW$43,182$50,022$44,649$20,931$1,289$3,494

Alfa RomeoGiulietta

HatchPULPDCT177kW$38,091$44,204$39,362$18,453$1,191$3,383

CitroenC4ExclusiveHatchPULPAuto96kW$30,900$36,057$31,934$14,971$1,000$2,947

FordFocusSTHatchPULPManual184kW$35,445$41,359$34,748$16,290$1,092$4,055

CitroenC4 CactusExclusiveHatchDieselAuto68kW$27,264$31,884$28,124$13,185$916$2,799

FordFocusTitaniumHatchULPAuto132kW$29,718$34,718$29,448$13,805$941$3,350

BMW1 Series125iHatchULPAuto165kW$44,455$51,497$45,996$21,563$1,308$3,496

CitroenDS4DSportHatchDieselAuto120kW$36,809$42,752$38,038$17,832$1,128$3,147

FordFocusTrendHatchULPAuto132kW$22,173$26,169$22,565$10,578$795$2,737

BMW2 SeriesActive TourerMPVPULPAuto141kW$46,273$53,592$47,910$22,460$1,384$3,752

FordFocusRS 4WDHatchPULPManual257kW$46,355$53,839$48,148$22,572$1,416$3,896

HoldenAstraTurbo RHatchULPAuto110kW$21,991$25,963$22,731$10,656$789$2,548


15



SMALL


SMALL


SMALL


HoldenAstraTurbo RSHatchPULPAuto147kW$26,082$30,598$26,957$12,637$897$2,789

HoldenCruzeSRiSedanPULPAuto132kW$26,673$31,269$26,355$12,355$930$3,516

HyundaiElantraActiveSedanULPAuto112kW$22,045$26,026$20,607$9,660$764$3,485

HoldenCruzeCDXSportwagonULPAuto104kW$24,400$28,694$23,670$11,096$832$3,344

HoldenAstraTurbo VXRHatchPULPManual206kW$36,355$42,389$37,720$17,683$1,268$3,916

HyundaiElantraEliteSedanULPAuto112kW$24,536$28,847$23,294$10,920$818$3,514

HoldenCruzeEquipeHatchULPAuto104kW$20,082$23,800$20,450$9,587$757$2,685

HondaCivicVTi-SHatchPULPManual104kW$20,136$23,863$20,816$9,759$786$2,680

HyundaiElantraActiveSedanULPManual112kW$19,955$23,657$18,291$8,575$717$3,482

HoldenCruzeEquipeSedanULPAuto104kW$20,082$23,800$20,450$9,587$757$2,685

HondaCivicVTi-LXSedanULPCVT127kW$30,536$35,645$31,558$14,794$1,005$3,001

HyundaiElantraSR TurboSedanULPDCT150kW$28,445$33,276$26,908$12,614$922$3,958


16

Novated Leasing

Guide 2017


SMALL


SMALL


SMALL


MazdaMazda3Neo SedanULPAuto114kW$20,445$24,212$21,181$9,930$786$2,634

Hyundaii30Active HatchDieselDCT100kW$23,955$28,189$22,732$10,657$766$3,263

InfinitiQ30Sport PremiumHatchDieselDCT125kW$49,909$57,944$51,898$24,330$1,450$3,789

Lexus CT 200hLuxuryHatchHybridCVT100kW$35,227$40,961$36,405$17,067$1,055$2,890

Hyundaii30ActiveHatchULPManual107kW$19,500$23,142$18,171$8,518$709$3,301

InfinitiQX30GTSUV PULPDCT155kW$44,455$51,649$46,148$21,634$1,384$3,882

Hyundaii30SRHatchULPAuto124kW$26,227$30,764$24,771$11,612$855$3,705

KiaCeratoS PremiumHatchULPAuto112kW$22,718$26,787$23,482$11,008$822$2,667

MazdaMazda3AstinaHatchULPAuto138kW$32,264$37,602$31,593$14,811$1,022$3,813

Hyundaii30SR PremiumHatchULPAuto124kW$30,500$35,605$29,069$13,627$940$3,869

KiaCeratoSLi SedanULPAuto112kW$29,536$34,512$30,525$14,310$966$2,877

Mercedes BenzA-ClassA 250 SportHatchPULPDCT160kW$49,818$57,687$51,650$24,214$1,504$4,097


17



SMALL


SMALL


SMALL


Mercedes BenzA-ClassA 200 HatchPULPDCT115kW$40,000$46,367$41,334$19,377$1,285$3,726

NissanLeaf

HatchEVAuto80kW$46,809$54,364$37,523$17,591$992$7,053

SubaruImprezaiSedanPULPCVT115kW$20,364$24,119$21,049$9,868$816$2,822

MiniPacemanCooper AWDHatchULPManual160kW$51,727$59,892$53,664$25,158$1,461$3,714

NissanPulsarSSSSedanULPCVT140kW$26,627$31,216$25,472$11,941$900$3,772

SubaruImprezai-SHatchPULPCVT115kW$26,536$31,113$27,426$12,857$968$3,130

MitsubishiLancerES SportSedanULPCVT107kW$19,091$22,677$20,128$9,436$756$2,414

NissanPulsarSTSedanULPCVT96kW$20,264$24,006$19,378$9,085$749$3,247

ToyotaCorollaAscentHatchULPCVT103kW$20,209$23,946$20,892$9,794$755$2,513

MitsubishiLancer SportbackGSRHatchULPCVT121kW$21,818$25,767$22,625$10,607$847$2,837

RenaultMéganeLife HatchPULPDCT97kW$22,718$26,787$23,482$11,008$821$2,660

ToyotaCorollaHybridHatchHybridCVT100kW$25,027$29,405$25,869$12,127$830$2,517


18

Novated Leasing

Guide 2017


SUVMediuM


SMALL


SMALL


ToyotaPriusVMPVHybridCVT100kW$32,182$37,661$33,410$15,662$991$2,781

ToyotaCorollaZR HatchULPCVT103kW$26,882$31,505$27,784$13,025$891$2,695

VolkswagenGolfGTIHatchPULPDCT162kW$39,855$46,204$41,185$19,308$1,212$3,348

FordEscapeTitanium 4WDSUV DieselDCT132kW$43,173$50,164$42,037$19,707$1,218$4,456

VolkswagenGolfRHatchPULPManual206kW$48,173$55,787$49,915$23,400$1,404$3,699

FordEscapeTrend 4WDSUV PULPAuto178kW$32,718$38,269$32,185$15,088$1,068$4,024

ToyotaPrius

HatchHybridCVT90kW$32,445$37,808$33,530$15,719$963$2,622

VolkswagenGolfTrendlineHatchPULPDCT92kW$24,400$28,694$25,221$11,824$861$2,737

HoldenCaptivaLSSUV ULPAuto123kW$26,082$30,750$25,767$12,079$932$3,624

VolkswagenGolfAlltrackWagonPULPDCT132kW$34,855$40,691$36,172$16,958$1,113$3,213

VolkswagenJettaHighlineSedanPULPDCT155kW$36,627$42,546$37,850$17,744$1,162$3,346

HoldenCaptivaLTZ AWDSUV DieselAuto135kW$37,718$43,934$36,548$17,134$1,146$4,426


19



SUVMediuM


SUVMediuM


SUVMediuM


HoldenCaptivaLTZ AWDSUV ULPAuto190kW$36,809$42,904$35,712$16,742$1,147$4,457

HyundaiTucsonActive XSUV ULPAuto121kW$30,591$35,708$29,122$13,653$955$3,961

JeepCherokeeTrialhawkSUV ULPAuto200kW$47,273$54,899$49,117$23,026$1,460$4,056

HondaCR-VVTiSUV ULPAuto114kW$27,082$31,883$28,142$13,193$965$3,054

HyundaiTucsonElite AWDSUV DieselAuto136kW$37,955$44,203$36,222$16,981$1,104$4,465

KiaSportageSLi AWDSUV DieselAuto136kW$36,082$42,080$37,439$17,551$1,126$3,184

HondaCR-VVTi-LSUV ULPAuto140kW$41,627$48,379$43,167$20,237$1,284$3,579

HyundaiTucsonEliteSUV ULPAuto114kW$33,409$39,053$31,645$14,835$1,030$4,379

KiaSportageSLi SUV ULPAuto114kW$31,536$36,930$32,743$15,350$1,044$3,117

HyundaiTucsonActive AWDSUV DieselAuto136kW$31,900$37,342$30,550$14,322$975$3,979

HyundaiTucsonHighlander AWDSUV ULPDCT130kW$41,318$48,024$39,232$18,392$1,184$4,849

Land RoverDiscovery SportSESUV DieselAuto110kW$51,232$59,474$53,296$24,985$1,466$3,765


20

Novated Leasing

Guide 2017


SUVMediuM


SUVMediuM


SUVMediuM


MazdaCX-5Akera AWDSUV ULPAuto138kW$43,100$50,084$41,265$19,345$1,236$4,902

Land RoverEvoquePureSUV DieselAuto110kW$53,297$61,861$55,476$26,007$1,480$3,670

MitsubishiOutlanderExceed SUV DieselAuto110kW$43,182$50,174$42,567$19,955$1,230$4,264

NissanX-Trail 4X4ST-LSUV ULPCVT126kW$37,264$43,419$35,842$16,803$1,132$4,505

Lexus NX 200tLuxurySUV PULPAuto175kW$48,682$56,529$50,606$23,724$1,426$3,759

NissanX-TrailSTSUV ULPCVT126kW$29,082$34,149$28,067$13,158$973$3,989

RenaultKoleosIntensSUV ULPCVT126kW$39,536$45,994$41,007$19,224$1,225$3,432

NissanX-TrailST-LSUV ULPCVT126kW$34,627$40,432$33,338$15,629$1,085$4,362

RenaultKoleosLife SUV ULPCVT126kW$27,264$32,089$28,329$13,281$959$3,008

MazdaCX-5Maxx SUV ULPAuto114kW$27,173$31,986$26,791$12,559$924$3,544

NissanX-Trail 4X4STSUV ULPCVT126kW$32,255$37,744$31,080$14,570$1,037$4,202

SubaruForesterD-LSUV DieselCVT108kW$32,491$38,013$33,731$15,813$1,070$3,177


21



SUVLarge


SUVLarge


SUVMediuM


SubaruForesteri-L SUV ULPCVT126kW$31,809$37,239$33,025$15,482$1,084$3,309

DodgeJourneyR/TSUV ULPAuto206kW$35,455$41,372$36,793$17,249$1,236$3,823

HyundaiSanta FeHighlander AWDSUV DieselAuto147kW$51,900$60,244$53,999$25,315$1,473$3,748

SubaruForesterXT PremiumSUV PULPCVT177kW$43,855$50,954$45,513$21,337$1,368$3,849

HoldenTrailblazerLTX 4X4SUV DieselAuto147kW$47,718$55,414$49,587$23,246$1,418$3,797

HyundaiSanta FeSR AWDSUV DieselAuto147kW$58,384$67,764$56,262$26,376$1,517$5,710

SuzukiGrand Vitara 4X4NavigatorSUV ULPAuto122kW$25,445$29,877$26,299$12,329$942$3,083

HyundaiSanta FeActive AWDSUV ULPAuto138kW$38,045$44,306$36,048$16,899$1,129$4,721

Isuzu UteMU-X LS-USUV DieselAuto130kW$45,273$52,589$47,007$22,037$1,386$3,827

VolkswagenTiguanComfortlineSUV PULPDCT110kW$33,627$39,147$34,751$16,291$1,076$3,133

HyundaiSanta FeElite AWDSUV DieselAuto147kW$46,355$53,839$48,148$22,572$1,349$3,542

KiaSorentoPlatinum AWDSUV DieselAuto147kW$51,445$59,719$53,519$25,090$1,466$3,749


22

Novated Leasing

Guide 2017


SUVSMaLL


SUVLarge


SUVLarge


NissanPathfinderST SUV ULPCVT140kW$37,718$43,934$36,267$17,002$1,186$4,775

MazdaCX-9SportSUV ULPAuto170kW$38,627$44,964$40,068$18,784$1,232$3,543

SubaruOutbacki PremiumWagonULPCVT129kW$38,400$44,708$39,835$18,675$1,206$3,418

AudiQ32.0 TDISUV DieselDCT135kW$52,273$60,674$54,392$25,499$1,463$3,664

MitsubishiPajeroGLX SUV DieselAuto133kW$40,909$47,549$42,425$19,889$1,261$3,508

ToyotaFortunerGXSUV DieselAuto130kW$45,445$52,789$47,189$22,122$1,348$3,610

AudiQ32.0 TFSISUV PULPDCT110kW$39,000$45,241$40,308$18,896$1,195$3,327

ToyotaKluger AWDGXLSUV ULPAuto201kW$50,173$58,249$52,177$24,460$1,488$3,971

BMWX1sDrive25iSUV ULPAuto170kW$54,455$63,199$56,809$26,632$1,561$3,962

NissanPathfinderST-LSUV ULPCVT190kW$48,809$56,674$46,793$21,937$1,391$5,497

ToyotaLandcruiser PradoGXSUV DieselAuto130kW$50,991$59,194$53,040$24,865$1,462$3,761

FordEcosportTrendSUV ULPDCT82kW$22,082$26,066$21,862$10,249$864$3,416


23



SUVSMaLL


SUVSMaLL


SUVSMaLL


HoldenTraxLTZSUV PULPAuto103kW$26,264$30,804$25,752$12,073$904$3,497

JeepRenegadeSportSUV ULPDCT103kW$25,455$29,890$26,311$12,335$902$2,868

MitsubishiASXXLSSUV ULPCVT110kW$28,636$33,492$28,689$13,450$953$3,325

HondaHR-VVTiSUV ULPCVT105kW$22,718$26,787$23,482$11,008$846$2,791

MazdaCX-3AkariSUV ULPAuto109kW$30,264$35,336$30,296$14,203$984$3,395

NissanJukeN-TecSUV PULPCVT86kW$23,718$27,920$23,070$10,815$840$3,388

HondaHR-VVTi-LSUV ULPCVT105kW$31,218$36,419$32,264$15,125$1,028$3,070

Mercedes BenzGLA-ClassGLA 220SUV DieselDCT130kW$45,818$53,219$47,582$22,306$1,360$3,642

NissanJuke AWDN-SportSUV PULPCVT140kW$30,445$35,542$29,524$13,841$988$3,875

JeepCompassLimitedSUV ULPAuto125kW$32,273$37,764$33,504$15,706$1,123$3,478

MitsubishiASXLSSUV ULPCVT110kW$24,545$28,857$24,822$11,637$875$3,069

NissanQashqaiSTHatchULPCVT106kW$25,900$30,392$25,555$11,980$888$3,354


24

Novated Leasing

Guide 2017


LIGHT


LIGHT


SUVSMaLL


RenaultCapturDynamiqueHatchPULPDCT88kW$27,273$31,947$28,187$13,214$904$2,731

NissanQashqaiTiHatchULPCVT106kW$33,627$39,147$33,027$15,483$1,056$3,871

AudiA11.4 TFSIHatchPULPDCT92kW$27,364$32,050$28,280$13,258$925$2,838

HoldenBarinaLSHatchULPAuto85kW$15,627$18,753$16,157$7,574$683$2,502

NissanQashqaiTLHatchDieselCVT96kW$36,355$42,389$35,818$16,791$1,089$3,898

AudiS12.0 TFSIHatchPULPManual170kW$45,364$52,542$46,950$22,010$1,397$3,895

HondaJazzVTiHatchULPManual88kW$13,627$16,434$14,038$6,581$696$2,741

FordFiestaAmbienteHatchULPDCT82kW$16,205$19,356$16,310$7,646$645$2,449

HyundaiAccentSRHatchULPManual103kW$15,445$18,494$14,858$6,966$623$2,724

SuzukiVitara 4X4RT-XSUV ULPAuto86kW$29,082$33,997$30,056$14,090$926$2,700

FordFiestaTrendHatchULPDCT82kW$18,023$21,416$18,083$8,477$680$2,542

HyundaiAccentActive SedanULPCVT74kW$15,445$18,494$14,627$6,857$617$2,803


25



LIGHT


LIGHT


LIGHT


HyundaiAccentActive HatchULPCVT74kW$15,445$18,494$14,627$6,857$617$2,803

MazdaMazda2Maxx HatchULPAuto81kW$17,900$21,275$18,980$8,898$705$2,179

RenaultClioExpressionHatchPULPManual66kW$17,727$21,079$18,273$8,566$711$2,487

KiaRioSHatchULPAuto79kW$16,445$19,627$16,949$7,946$669$2,364

MazdaMazda2Maxx SedanULPAuto81kW$17,900$21,275$18,980$8,898$705$2,179

RenaultClioR.S. 200HatchPULPDCT147kW$27,273$31,947$28,187$13,214$954$2,997

KiaRioSLi HatchULPAuto103kW$20,900$24,674$21,551$10,103$763$2,502

MiniClubmanCooper SWagonULPAuto141kW$39,000$45,234$40,301$18,893$1,227$3,498

SuzukiCelerio

HatchULPCVT50kW$12,718$15,372$13,067$6,126$563$2,106

MazdaMazda2GenkiHatchULPAuto81kW$20,627$24,365$21,553$10,104$759$2,364

RenaultClioDynamiqueHatchPULPDCT88kW$22,727$26,744$23,438$10,988$823$2,673

ToyotaPriusCHatchHybridCVT74kW$21,318$25,149$21,984$10,306$736$2,323


26

Novated Leasing

Guide 2017


MEDIUM


MEDIUM


LIGHT


FordMondeoTitaniumHatchULPAuto177kW$40,264$46,818$38,347$17,977$1,187$4,847

ToyotaYarisZR HatchULPAuto80kW$19,927$23,574$20,548$9,633$745$2,486

AudiA41.4 TFSISedanPULPDCT110kW$50,455$58,427$52,326$24,531$1,454$3,779

FordMondeoTitaniumWagonDieselDCT132kW$44,855$52,109$42,356$19,856$1,214$5,009

ToyotaYarisAscentHatchULPAuto63kW$15,291$18,321$15,759$7,388$650$2,358

CitroenC5ExclusiveSedanDieselAuto120kW$43,627$50,689$45,271$21,223$1,304$3,525

HoldenInsigniaVXR SedanPULPAuto239kW$47,264$54,889$45,732$21,439$1,423$5,518

VolkswagenPoloGTIHatchPULPManual141kW$25,173$29,568$26,018$12,197$886$2,808

FordMondeoAmbienteHatchULPAuto149kW$30,173$35,385$28,920$13,558$973$4,034

HondaAccordV6LSedanULPAuto206kW$47,809$55,519$49,683$23,291$1,445$3,931

VolkswagenPoloComfortlineHatchPULPDCT81kW$19,264$22,873$19,913$9,335$729$2,451

HondaAccordVTiSedanULPAuto129kW$29,991$35,179$31,147$14,602$1,031$3,171


27



MEDIUM


MEDIUM


MEDIUM


Hyundaii40ActiveSedanDieselDCT104kW$30,627$35,900$28,190$13,216$899$4,193

HyundaiSonataEliteSedanULPAuto180kW$34,864$40,701$32,333$15,158$1,042$4,724

MazdaMazda6Atenza SedanDieselAuto129kW$43,855$50,954$42,449$19,900$1,239$4,661

Hyundaii40Tourer ActiveWagonULPAuto121kW$30,082$35,130$27,397$12,844$903$4,315

HyundaiSonataPremiumSedanULPAuto180kW$41,355$48,064$38,769$18,175$1,180$5,068

MazdaMazda6SportSedanULPAuto138kW$29,536$34,512$29,243$13,709$969$3,527

Hyundaii40Tourer PremiumWagonDieselDCT104kW$40,773$47,396$37,742$17,693$1,082$4,801

InfinitiQ50GTSedanDieselAuto125kW$49,909$57,944$51,898$24,330$1,438$3,721

MazdaMazda6Touring WagonULPAuto138kW$35,082$40,795$34,344$16,100$1,072$3,928

HyundaiSonataActiveSedanULPAuto138kW$27,809$32,555$25,127$11,780$873$4,301

KiaOptimaGTSedanULPAuto180kW$40,445$47,024$41,946$19,664$1,239$3,429

Mercedes BenzCLA-ClassCLA 200SedanPULPDCT115kW$47,727$55,272$49,444$23,179$1,435$3,902


28

Novated Leasing

Guide 2017


4x4 UTE†

MakeModelVariantBody typeFuel typeTransmissionPerformanceRecommend retail priceOn road costAmount financedResidual valueMonthly rentalAnnual savings after tax*†

4x4 UTE†


MEDIUM


VolkswagenPassatR-LineWagonPULPDCT206kW$54,536$63,289$56,899$26,674$1,652$4,436

SubaruLevorgGT-SWagonPULPCVT197kW$44,673$51,899$46,377$21,741$1,393$3,916

FordRangerWildtrak 4X4Crew CabDieselAuto147kW$56,173$65,422$52,493$24,609$1,483$6,495

Isuzu UteD-MAX 4X4LS-M Crew CabDieselAuto130kW$42,818$49,997$44,660$20,936$1,342$3,770

SubaruLibertyiSedanULPCVT129kW$27,491$32,348$28,566$13,392$1,003$3,225

FordRangerXL 4X4Crew CabDieselAuto147kW$45,241$52,797$42,882$20,103$1,292$5,431

MazdaBT-50XTR 4X4Dual CabDieselAuto147kW$47,000$54,827$44,909$21,053$1,401$5,784

HoldenColoradoLT 4X4Crew CabDieselAuto147kW$44,718$52,192$43,765$20,517$1,308$4,855

MitsubishiTriton 4X4GLX Double CabDieselManual133kW$33,636$39,552$35,155$16,481$1,105$3,247

VolkswagenPassatComfortlineSedanPULPDCT132kW$32,264$37,602$33,342$15,631$1,039$3,046

HoldenColoradoLTZ 4X4 Crew CabDieselAuto147kW$47,900$55,867$46,647$21,868$1,371$5,164

NissanNavara 4X4RXDual CabDieselAuto120kW$38,627$45,207$36,968$17,331$1,163$4,793


29



PEOPLEMOVER


LARGE


4x4 UTE†


NissanNavara 4X4ST- XDual CabDieselAuto140kW$50,445$58,807$48,295$22,640$1,425$5,750

HoldenCommodoreSS RedlineSedanULPManual304kW$49,991$58,049$51,415$24,103$1,568$4,695

CitroenGrand C4 PicassoExclusiveMPVDieselAuto110kW$40,900$47,387$42,264$19,813$1,267$3,557

ToyotaHilux 4X4SR5Double CabDieselAuto130kW$51,264$59,752$53,570$25,114$1,501$3,923

HyundaiGenesis

SedanULPAuto232kW$55,909$64,874$51,878$24,320$1,464$6,485

HondaOdysseyVTiMPVULPCVT129kW$34,191$39,940$35,488$16,637$1,109$3,247

ToyotaHilux 4X4SR5Double CabPULPAuto175kW$51,264$59,752$53,570$25,114$1,590$4,399

ToyotaAurionAT-XSedanULPAuto200kW$33,173$38,784$34,434$16,142$1,086$3,207

HyundaiIMAX

MPVDieselAuto125kW$42,991$49,954$41,322$19,372$1,230$4,792

VolkswagenAmarok 4X4CanyonDouble CabDieselManual132kW$51,809$60,382$54,146$25,383$1,511$3,932

ToyotaAurionPresaraSedanULPAuto200kW$45,855$53,264$47,623$22,326$1,351$3,594

HyundaiIMAX

MPVULPAuto127kW$37,082$43,213$35,401$16,596$1,142$4,698


30

Novated Leasing

Guide 2017


LUXURY‡

MakeModelVariantBody typeFuel typeTransmissionPerformanceRecommend retail priceOn road costAmount financedResidual valueMonthly rentalAnnual savings after tax*‡

LUXURY‡


MICRO


HoldenSparkLTHatchULPCVT73kW$17,264$20,554$17,382$8,149$674$2,529

Fiat500CConvertiblePULPAuto73kW$20,909$24,684$21,560$10,107$810$2,754

Alfa Romeo 4C

CoupePULPDCT177kW$92,068$114,544$107,809$50,541$2,632$4,355

AudiS32.0 TFSIHatchPULPDCT213kW$57,182$66,344$59,954$28,107$1,617$3,925

Fiat500SportHatchPULPManual74kW$17,273$20,564$17,804$8,346$723$2,583

AudiRS32.5 TFSIHatchPULPDCT270kW$68,430$82,850$76,110$35,680$2,007$4,410

BMWX5xDrive30dSUV DieselAuto190kW$91,687$114,179$107,444$50,370$2,584$4,139

AudiRS4AvantWagonPULPDCT331kW$132,773$179,460$172,720$80,971$4,038$4,919

BMWZ4sDrive20iConvertiblePULPManual135kW$59,000$68,292$61,902$29,020$1,658$3,931

MitsubishiMirage

HatchULPCVT57kW$12,955$15,641$14,189$6,652$581$1,750

AudiRS54.2 FSICoupePULPDCT331kW$123,403$165,390$158,650$74,375$3,719$4,719

Chrysler300SRTSedanPULPAuto350kW$65,902$79,049$72,314$33,901$2,137$5,509


31



LUXURY‡


LUXURY‡


LUXURY‡


FordEverestTitaniumSUV DieselAuto143kW$67,094$80,844$62,601$29,347$1,693$8,534

InfinitiQX70GTSUV PULPAuto235kW$66,531$79,994$73,259$34,344$2,054$4,966

JaguarXER-SportSedanPULPAuto177kW$61,437$72,349$65,610$30,758$1,798$4,420

FordMustangGTConvertiblePULPAuto306kW$59,751$69,819$63,079$29,572$1,838$4,906

InfinitiQX70S PremiumSUV PULPAuto235kW$73,524$90,499$83,759$39,266$2,343$5,389

JeepGrand CherokeeSRT SUV PULPAuto344kW$81,286$102,149$95,414$44,730$2,572$5,363

HyundaiGenesisUltimate PackSedanULPAuto232kW$70,797$86,399$67,352$31,575$1,793$8,860

InfinitiQX80

SUV ULPAuto298kW$91,007$117,031$110,296$51,707$2,805$5,013

KiaCarnivalPlatinumMPVDieselAuto147kW$55,718$64,654$58,264$27,314$1,558$3,789

InfinitiQ70GTSedanPULPAuto235kW$61,636$72,644$65,909$30,898$1,858$4,704

JaguarF-PacePrestigeSUV DieselAuto132kW$67,582$78,359$71,969$33,739$1,829$3,772

Land RoverRange RoverSportSUV DieselAuto190kW$88,502$109,399$102,659$48,127$2,525$4,337


32

Novated Leasing

Guide 2017


LUXURY‡


LUXURY‡


LUXURY‡


Lexus IS 300hLuxurySedanHybridCVT164kW$56,264$65,284$58,894$27,610$1,535$3,599

Land RoverRange RoverVogueSUV PULPAuto280kW$148,769$203,474$196,739$92,231$4,470$4,654

Mercedes BenzC-ClassC 200CoupePULPAuto135kW$59,909$69,494$63,104$29,583$1,708$4,073

Mercedes BenzCLS-ClassCLS 250WagonDieselAuto150kW$103,505$131,924$125,189$58,689$2,852$3,670

Lexus ES 300hLuxurySedanHybridCVT151kW$57,955$67,239$60,849$28,526$1,575$3,603

Mercedes BenzC-ClassC 200SedanPULPAuto135kW$55,818$64,617$58,227$27,297$1,581$3,917

Mercedes BenzG-ClassG 350SUV DieselAuto180kW$127,871$172,299$165,559$77,614$3,849$4,675

Mercedes BenzC-ClassC 200WagonPULPAuto135kW$58,091$67,394$61,004$28,599$1,650$3,986

Mercedes BenzGLC-ClassGLC 220SUV DieselAuto125kW$59,991$69,589$63,199$29,628$1,710$4,071

MazdaCX-9Azami AWDSUV ULPAuto170kW$57,627$66,859$57,968$27,176$1,606$5,017

Mercedes BenzC-ClassAMG C 63CoupePULPAuto375kW$126,822$170,525$163,785$76,783$3,714$4,141

Nissan370Z

ConvertiblePULPManual245kW$59,559$69,529$62,789$29,436$1,925$5,400


33



SPORTS


LUXURY‡


LUXURY‡


NissanPathfinder 4X4Ti SUV HybridCVT188kW$61,839$72,949$59,707$27,991$1,641$6,667

ToyotaLandcruiser 200GXLSUV ULPAuto227kW$71,748$88,028$81,293$38,110$2,150$4,618

Abarth500

HatchPULPManual103kW$25,000$29,319$25,786$12,088$897$2,887

NissanPathfinder 4X4Ti SUV ULPCVT190kW$59,741$69,799$57,501$26,956$1,621$6,434

ToyotaLandcruiser 200SaharaSUV DieselAuto200kW$97,783$127,118$120,383$56,436$2,866$4,260

BMW2 Series220iConvertiblePULPAuto135kW$53,000$61,514$55,159$25,858$1,502$3,813

NissanPatrolTi-LSUV PULPAuto298kW$74,286$91,926$85,191$39,938$2,318$5,099

ToyotaLandcruiser PradoKakaduSUV DieselAuto130kW$73,524$90,499$83,759$39,266$2,089$4,029

FordMustangEcoboostConvertibleULPAuto233kW$49,991$58,039$51,985$24,370$1,487$3,980

PorscheMacanGTSSUV PULPDCT265kW$89,818$114,959$108,224$50,736$2,907$5,778

VolkswagenTouaregWolfsburg EditionSUV DieselAuto180kW$75,685$93,739$87,004$40,788$2,199$4,270

FordMustangEcoboostCoupeULPManual233kW$41,809$48,589$43,355$20,325$1,299$3,645


34

Novated Leasing

Guide 2017


SPORTS


SPORTS


SPORTS


HoldenCascadaTurboConvertiblePULPAuto125kW$39,082$45,479$38,472$18,036$1,200$4,347

FordMustangGTCoupePULPManual306kW$52,264$60,664$54,382$25,495$1,721$5,043

MazdaMX-5

ConvertiblePULPManual96kW$29,082$33,944$28,683$13,446$953$3,498

SubaruWRXSTISedanPULPManual221kW$50,855$59,039$52,898$24,799$1,566$4,329

Nissan370Z

CoupePULPManual245kW$51,755$60,079$53,848$25,244$1,733$5,144

SubaruWRXPremiumSedanPULPManual197kW$41,036$47,547$42,406$19,880$1,324$3,852

HyundaiVeloster

HatchULPManual103kW$26,900$31,525$25,271$11,847$856$3,749

RenaultMéganeGT HatchPULPDCT151kW$34,991$40,692$36,160$16,952$1,104$3,170

Toyota86GTSCoupePULPManual152kW$33,173$38,632$34,282$16,071$1,077$3,175

HyundaiVelosterSRHatchULPManual150kW$27,864$32,618$26,189$12,278$883$3,854

SubaruBRZ

CoupePULPManual152kW$29,991$35,027$30,995$14,530$1,021$3,133

VolkswagenSciroccoWolfsburgHatchPULPDCT188kW$47,264$54,737$48,955$22,950$1,406$3,786


Our Fleet Programme provides Business Solutions for your company.• Extensive range of vehicles

• Preferential fleet pricing ^

• Competitive total cost of ownership

^ Preferential pricing may not be applicable to all models.

Mercedes-Benz is renowned for quality, safety, luxury and performance. That’s why vehicles with the Mercedes-Benz three-pointed star are seen as the marque for people who echo the famous words of Gottlieb Daimler, “The best or nothing.” We know every business has different needs, from comfort and duty of care to the right financing for your vehicles, and our Corporate Sales Consultants at authorised Mercedes-Benz dealerships can provide you the solutions.

For full details call 1800 888 170 or visit www.mercedes-benz.com.au/fleet

36

Novated Leasing

Guide 2017


IndexAAbarth

500 33

Alfa Romeo4C 30Giulietta 14

AudiA1 24A3 14A4 26Q3 22RS3 30RS4 30RS5 30S1 24S3 30

BBMW

1 Series 142 Series 14, 33X1 22X5 30Z4 30

CChrysler

300 30

CitroenC4 14C4 Cactus 14C5 26DS4 14Grand C4 Picasso 29

DDodge

Journey 21

FFiat

500 30

FordEcosport 22Escape 18Everest 31Fiesta 24Focus 14Mondeo 26Mustang 31, 33, 34Ranger 28

Disclaimer

While every effort has been made to verify the information in this guide, Fleet Auto News takes no responsibility for the accuracy or authenticity of the content. Fleet Auto News does not accept any liability to any person or entity for any information or any advice which is provided in this guide or incorporated into it by reference. The information provided is on the basis that anyone reading it undertakes the responsibility for assessing the relevance and accuracy of its content. The data and figures provided in this guide are not intended as financial or taxation advice. People reading the guide should obtain a formal quotation from a novated leasing provider and seek independent financial advice before entering into a novated lease agreement. All efforts have been made to display the right images for each model variant but they may not be correct for each vehicle. The images are to be used as a guide only.

* The calculations were obtained from http://www.orix.com.au/novated-leasing/calculator.html during December 2016 and January 2017. For more details information on the assumptions used during the calculations visit http://www.orix.com.au/novated-leasing/calculator-terms-and-conditions.html Using the ORIX Novated Calculator Fleet Auto News applied the following assumptions. A three year lease term travelling at 15,000 kilometres per annum for an employee earning $80,000 annually. † 4X4 UTE. Novated leases are for cars. Station wagons, panel vans and utilities are considered cars by the ATO if they are goods-carrying vehicles designed to carry less than one tonne. If a vehicle is designed to carry a load of one tonne or more it may not be eligible for a novated lease. This will impact some of the calculations and the potential savings available when salary packaging a vehicle. Readers should seek independent financial advice. Also some employers may not allow 4X4 Utes in a novated lease. ‡ Luxury Vehicles. When the Amount Financed is greater than the 2016/17 annual vehicle depreciation limit of $57,581 it will be regarded as a loan instead of a lease. So the depreciation and interest will be tax deductible rather than lease payments. This will impact some of the calculations and the potential savings available when salary packaging a vehicle. Readers should seek independent financial advice. Also some employers may not allow luxury vehicles in a novated lease.

HHolden

Astra 14, 15Barina 24Captiva 18, 19Cascada 34Colorado 28Commodore 29Cruze 15Insignia 26Spark 30Trailblazer 21Trax 23

HondaAccord 26Civic 15CR-V 19HR-V 23Jazz 24Odyssey 29

HyundaiAccent 24, 25Elantra 15Genesis 29, 31i30 16i40 27IMAX 29Santa Fe 21Sonata 27Tucson 19Veloster 34

IInfiniti

Q30 16Q50 27Q70 31QX30 16QX70 31QX80 31

Isuzu UteD-MAX 4X4 28MU-X 21

JJaguar

F-Pace 31XE 31

JeepCherokee 19Compass 23Grand Cherokee 31Renegade 23

KKia

Carnival 31Cerato 16Optima 27Rio 25Sorento 21Sportage 19

LLand Rover

Discovery Sport 19Evoque 20Range Rover 31, 32

LexusCT 200h 16ES 300h 32IS 300h 32NX 200t 20

MMazda

BT-50 28CX-3 23CX-5 20CX-9 22, 32Mazda2 25Mazda3 16Mazda6 27MX-5 34

MercedesBenzA-Class 16, 17C-Class 32CLA-Class 27CLS-Class 32G-Class 32GLA-Class 23GLC-Class 32

MiniClubman 25Paceman 17

MitsubishiASX 23Lancer 17Lancer Sportback 17Mirage 30Outlander 20Pajero 22Triton 4X4 28

NNissan

370Z 32, 34Juke 23Juke AWD 23Leaf 17

Navara 4X4 28, 29Pathfinder 22Pathfinder 4X4 33Patrol 33Pulsar 17Qashqai 23, 24X-Trail 20X-Trail 4X4 20

PPorsche

Macan 33

RRenault

Captur 24Clio 25Koleos 20Mégane 17, 34

SSubaru

BRZ 34Forester 20, 21Impreza 17Levorg 28Liberty 28Outback 22WRX 34

SuzukiCelerio 25Grand Vitara 4X4 21Vitara 4X4 24

TToyota

86 34Aurion 29Corolla 17, 18Fortuner 22Hilux 4X4 29Kluger AWD 22Landcruiser 200 33Landcruiser Prado 22, 33Prius 18, 25Yaris 26

VVolkswagen

Amarok 4X4 29Golf 18Jetta 18Passat 28Polo 26Scirocco 34Tiguan 21Touareg 33


Exclusive Corporate Program Invitation

Renault

Renault corporate programRenault Australia has launched our new corporate program and we would like to invite you to register your company. • Do you have 25 vehicles in your fleet?• Do you work at a company with more than 10 employees?• Are you part of a professional association?• You may be entitled to exclusive Renault Corporate Program

offers.

About the program The Renault Corporate Program is designed for corporate customers and their employees to enjoy all benefits of the Renault Brand.

The benefitsThe Renault Corporate Program provides a comprehensive range of features and benefits for qualifying corporate members including:• National fleet pricing on new vehicles plus access to retail offers• Capped Price Servicing (first 3 services)• Renault range to choose from – including the versatile

Koleos SUV, the exciting new Clio 5-door compact hatch, the adaptable Captur and the all sensational Megane range

• Renault ‘Our Quality – Your Peace of Mind’ warranty and servicing promise

*Recommended Renault Corporate Program drive away price for Megane life and Koleos Life CVT 4x2 with non-metallic paint valid for vehicles ordered between 04/01/2017 and 02/04/2017 and delivered by 30/04/2017 or while stocks last. Cannot be used in conjunction with any other retail or fleet offer. Offer is available to eligible Renault Corporate Program customers only, and subject to proof of eligibility being provided to Renault’s satisfaction. Renault reserves the right to vary, extend or withdraw this offer. †5 years unlimited km warranty applies to all new Renault passenger vehicles. Demonstrator vehicles receive balance of new vehicle warranty. Roadside Assistance terms and conditions apply. Call our Customer Service Team on 1800 009 008 or view the Terms and Conditions statement at www.renault.com.au/corporate-program for details. ^ First 3 scheduled maintenance services capped at $299 per service on new or demonstrator Megane life Koleos II models only, based on standard scheduled servicing from new and on normal operating conditions. Scheduled maintenance services required every twelve (12) months or up to 30,000km (whichever occurs first). However, Megane life KOLEOS II is subject to adaptive servicing requirements, as determined by the Oil Condition Sensor, and may require servicing prior to the standard twelve (12) months or 30,000km service interval. If vehicle is not presented within three (3) months of when the scheduled service is required, right to that capped-price service under the program is forfeited.

Enrol now to be a part of these exclusive offers To register please visit: renault.com.au/corporateprogram/registration Or for more information call 1300 622 014

Renault KOLEOS Life Corporate Programfrom

$31,590* drive away

+ 2.5L Petrol engine+ Class leading rear leg room+ 2,000kg towing capacity

Renault MEGANE Life Corporate Programfrom

$22,490* drive away

+ Custom media system with 7” touchscreen+ Rear parking sensors with reversing camera+ Front airbags with front and rear curtain airbags

Documents

Novated Leasing Guide - Fleet Auto News · Hyundai i30 we’ve had our eye on. HEy Babe... My new employer is offering salary packaging. It means we can get our new car. LATER THAT