Novated Leasing Guide

Transcription

1 Novated Guide 2018

2 We don t disguise anything about our novated leases At Toyota Fleet Management, we believe in putting your needs first. And being open and transparent about everything we offer. Why take out a novated lease from Toyota Fleet Management? Could save you money We offer market-leading interest rates and great discount deals on finance, fuel, maintenance and repairs. There are also potential tax savings from paying part of the lease out of your pre-tax salary. You can choose any make or model That s right. Not just Toyota. Though all our models are in the mix, you can choose to lease another make through us. It s easy and convenient Enjoy the peace of mind of knowing that all your lease payments, including maintenance and fuel, are set up in one lump sum, on the same day each month with no hidden fees or charges. To speak with one of our experts, call us on or visit toyotanovated.com.au Toyota Fleet Management is a division of Toyota Finance Australia Limited ABN , Australian Credit Licence No The information provided above is of a general nature and for your information only. It is recommended that you seek appropriate advice from a taxation consultant or financial adviser. TFS1629 (02/18) toyotanovated.com.au NOVATED LEASING TAX-EFFECTIVE FINANCE

3 2018 Novated Guide 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 covers 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 2018 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 Sibbald Fleet News fleetautonews.com.au 1

4 BONUS Enjoy 10c off every litre of fuel, plus half price car washes with your BP fuel card*. The easy road to your new car No matter how much you drive, where you live or what you earn, you could save thousands with a novated lease designed to suit your life. Choose any make and model of car in Australia, including new or used vehicles. Save more with discounted fleet pricing, reduced income tax, and GST savings. Take advantage of 24/7 driver support to answer your questions and offer advice. Bundle your vehicle expenses into a single payment and smooth your budget. VISIT fleetcare.com.au/offers for all our novated vehicle offers Call: Visit: fleetcare.com.au Start your novated lease today! Disclaimer: The information provided does not take into account your personal financial needs and does not constitute legal, taxation or financial advice. GST savings are dependent on your employer s policy and accounting treatment of GST. Before making a decision you should seek independent financial, legal and taxation advice and clarify your employer s willingness to pass on input tax credits. Vehicles cannot be more than 8 years old at the end of the novated lease period. *Terms and conditions can be found at fleetcare.com.au/10cents

5 2018 Novated Guide TOP OF In Australia we re spoilt for choice when it comes to new vehicle options. There s more than 3,000 models from 70 manufacturers. So how do you choose a new car? We reckon your lifestyle, or stage of life, is one thing that would influence your choice. Another is whether you view your car as a mode of transport or part of your image. Then there s the other boring considerations like price, warranty period, running costs etc. With so much choice a novated lease is perfect because you can change your car every three THE LIST years. As your family size or hobbies change, you can always drive the right car for you. At Fleet News we get to drive lots of cars so we have our favourites based on personal preferences, family size and weekend leisure pursuits. We ve asked two of our reviewers to put together a list of recommendations based on the different ways people use their cars. We hope this helps you pick your new car (or at least narrow down some choices for a test drive). Kia Picanto Good build quality and ride. Great fuel economy. Cruise control, reversing camera and Apple Car Play/Android. Even big people can fit in. Low price and seven-year warranty. METRO/CITY CAR DAVID Alternatives RRHolden Spark RR BMW i3 i40 Active Sedan Liked Well appointed, ROD spacious and practical. Vast improvement over the previous model. It just ticks all the boxes. i30 Alternatives Well appointed, spacious and practical. Vast improvement over RR Mazda2 Holden Spark the previous model. It just ticks RRSubaru Impreza all the boxes. BMW i3 fleetautonews.com.au 3

6 Novated Guide 2018 i30 Excellent refined package with enough room and performance for a smooth commute. Low road noise and many features even in base model. Fivestar safety rating but no automatic emergency braking in base models. DAVID Alternatives RR Kia Cerato RRHonda Civic Daily Commute i40 Active Sedan Liked Well appointed, ROD spacious and practical. Vast improvement over the previous model. It just ticks all the boxes. Renualt Koleos Alternatives Comfortable mid-sized SUV, easy to drive and park. Quality RR Mazda3 Holden Spark inclusions, features and best RR Kona blue-tooth system of any car I BMW i3 drove in Land Rover Discovery The just released 5th generation Discovery is brilliant. Lighter, more comfortable but still outstanding in off-road and towing capabilities. Good range of powerful diesel engines with good fuel economy. Adventure Vehicle DAVID Alternatives RRJeep Cherokee RR Ford Everest i40 Active Sedan Liked Well appointed, ROD spacious and practical. Vast improvement over the previous model. It just ticks all the boxes. Ford Ranger Alternatives Tough, rugged, yet very well equipped and comfortable to RRIsuzu D-Max Holden Spark drive. It will take you anywhere RRMazda BT-50 you would want to go. BMW i3 FIND OUT WHAT MAKES US DIFFERENT First. It s How We Treat You. FleetPlus assists with the whole car journey, from start to finish. Simplified Car Buying and Trade-in Test Drives Online Account Management Cost Controlled Maintenance & Tyres Fuel Discounts Dedicated Novated Benefits Team Package your existing car Full Management of Rego & Insurance Sourcing & of New & Used Vehicles enquiries@fleetplus.com.au FLEETPLUS.COM.AU CALL All applications are subject to credit approval criteria. Terms & conditions, fees & charges apply. FleetPlus Pty Ltd ABN fleetautonews.com.au

7 2018 Novated Guide Renault Megane wagon Forget the high sitting SUVs. A station wagon has good, accessible space. The Megane has European flair with some quirky features that you will get used to. DAVID Alternatives RR Audi A4 Avant RR Volvo V40 Pet Lover i40 Active Sedan Liked Well appointed, ROD spacious and practical. Vast improvement over the previous model. It just ticks all the boxes. Subaru Forrester Alternatives or Outback RRNissan X-Trail AWD to get you anywhere you Holden Spark would want to go. Option of rear RR Tucson BMW i3 seat pet protector seat cover. fleetautonews.com.au 5

8 Novated Guide 2018 Jaguar F-Pace SUV Other luxury brand SUVs are often bland and are quite common on the road. Jaguar and its F-Pace says that you are prepared to be part of a small, stylish luxury fraternity. Has design hints of the old E-type. Brand Statement DAVID Alternatives RR Tesla X RR Alfa Romeo Giulia i40 Active Sedan Liked Well appointed, ROD spacious and practical. Vast improvement over the previous model. It just ticks all the boxes. Subaru WRX STi Alternatives The car that says it all about you. It s heritage, it s status and all RRGenesis G80 Holden Spark in a car that absolutely takes no RR Tesla prisoners. BMW S P100D i3 Tesla P100D Stunning, unbelievable acceleration. s a statement that you are modern and keen to embrace new technology. The grandchildren will love the huge screen and the things it can do. Spend the inheritance DAVID Alternatives RR Range Rover Sport SDV8 RR Maserati Quattro Porte i40 Active Sedan Liked Well appointed, ROD spacious and practical. Vast improvement over the previous model. It just ticks all the boxes. Ford Mustang Alternatives One of the most iconic cars ever. The legendary muscle car with RR BMW M3 Holden Spark a rich history that has defined RR Lexus RC F generations. BMW i3 Kia Sorento New model just out. Seven-seater SUV with comfort. or diesel and eight-speed automatic gearbox. Good safety features across the range. More style than a people mover more seats than a station wagon. DAVID Alternatives RR Mazda CX-9 RR Sante-Fe Mum s Taxi i40 Active Sedan Liked Well appointed, ROD spacious and practical. Vast improvement over the previous model. It just ticks all the boxes. Mazda CX-5 Alternatives Practical, versatile and a pleasure to drive. The 2017 RR Holden Spark model took Australia s bestselling SUV and made it better. Santa-Fe R BMW RNissan i3 Qashqai 6 fleetautonews.com.au

9 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

10 Our Fleet Programme provides Business Solutions for your company. Extensive range of vehicles Preferential fleet pricing ^ Competitive total cost of ownership 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 or visit ^ Preferential pricing may not be applicable to all models.

11 2018 Novated Guide A Corporate Program gives you more There are many reasons to consider a novated lease and the number one benefit is the financial savings compared to other finance options. If you are looking at buying a luxury car there may be additional benefits available through the range of Corporate Programs on offer. All the major luxury brands including Mercedes-Benz, Land Rover and Lexus run Corporate Programs. And like salary packaging, many employers use their membership of these programs as a way to recruit and reward staff. These programs effectively offer employees of large companies and industry associations free, or discounted, incentives to purchase a new luxury vehicle. And many of the benefits are not available if you are a private buyer. Over the years the benefits may change though they are all aimed at reducing your running costs and enhancing your overall ownership experience. Each luxury manufacturer has a number of ways that they can make owners feel special and part of an exclusive club. And when you re choosing a luxury car as a reward for yourself, a few extras make it even better. Servicing and maintenance costs are often the thing that worries people when they start to consider purchasing their first luxury European vehicle. A Corporate Program is a good way to ease your concerns because you ll have access to an account manager to help you understand the total cost of ownership rather than focusing on one aspect. A survey conducted by Mercedes- Benz in 2014 revealed that the complimentary servicing and free roadside assistance are considered the biggest benefits by the members of their Corporate Program. So why not get more from your novated lease by purchasing a luxury vehicle from a manufacturer that offers a Corporate Program? fleetautonews.com.au 9

12 Helping to deal with this could benefit your business. Minimising environmental impact is now a prime consideration for any Australian transport business and fleet manager. Responsible disposal of used tyres is very much part of that agenda. Free participation in the TSA industry cooperative initiative, supported by all levels of government, is a great place to start. It could help to build your bottom line and support the sustainability credentials of your business. Apply for TSA Accreditation at tyrestewardship.org.au or info@tyrestewardship.org.au TRP TSA 0225

13 2018 Novated Guide >>>>HOW A NOVATED LEASE WORKS It s simple really. You pick a car and then save some money by using pre-tax dollars. Not quite getting it? That s OK. It takes a while because it seems too good to be true. If you re planning to buy a car (new or used) using finance, and work for an employer that offers salary packaging benefits, you should spend some time to find out about novated leasing. It may sound complicated. And it will take you some time to understand if it s your first time. But isn t that the case with most things to do with money? Select a new or used vehicle of your choice Once you get your head around the finance part and tax savings, the extra benefits that make car ownership easy are more than worth it. For example, the cost of fuel, rego and servicing are all included in the monthly rental. This means you won t get the high petrol price blues or preservice financial anxiety attack. Your budgeting is taken care of as part of the novated lease. With a novated lease most people can save some money compared to financing a new car using their post-tax salary. And if you work in a government role like health, law enforcement or education you can take advantage of the extra benefits on offer. There are also extra benefits for people that work in the Not for Profit sector. Lease company sends invoices for running costs and repayments to employer Choose a finance and leasing company Employer deducts lease charges from pre-tax salary Then at the end of the lease term (normally three years) you have several options. If you love the car you can own it. If your circumstances change you can sell it. Or if you just want to change your look you can with a new novated lease. fleetautonews.com.au 11

14 Your Ride? Your Rules! TM Motor Vehicle Employee Benefits Through Summit Fleet Have you recently purchased a vehicle? Proud Supporters of the Sydney Sixers Are you in the market to buy a new car? Do you own your car? 1800 FLEETLEASE novated@summitfleet.com.au Contact us, you could save thousands with one of our Novated Leases!

15 2018 Novated Guide WHAT CAR TYPE BEST SUITS YOUR LIFESTYLE ADVENTURE FAMILY PETS COUPLES LUGGAGE POWER TOWING COMMUTE SMALL SUV Medium SUV Large SUV Small LIGHT 4x4 UTE LARGE PEOPLE MOVER MICRO LUXURY SPORTS fleetautonews.com.au 13

16 THE ALL NEW MITSUBISHI HERE NOW FOR WHEREVER NEXT The all new Mitsubishi Eclipse Cross has arrived. Combining the latest styling design with incredible driving dynamics and innovative, intuitive safety technology, Eclipse Cross brings the SUV into the modern age. With a new direct-injection turbo-charged petrol engine, 8-speed auto transmission and a host of standard features like Smartphone Link Display Audio (SDA^) with Touchpad Controller*, One Touch Start system, 18 alloy wheels, Forward Collision Mitigation (FCM) 1, Lane Departure Warning (LDW) 1 and more. Designed to impress, built to drive, the stunning Eclipse Cross is engineered to shine in every department every time you get behind the wheel. The all new Mitsubishi Eclipse Cross. Here now for wherever next. MOTORS.COM.AU ^ Smartphone Link Display Audio (SDA) supports Android 5.0 or higher/ios 8.0 or higher for use with Android /ApplePlay. Smartphone Link Display Audio will not operate in areas with no service signal and may not operate in supported areas where the signal is weak. Users are responsible for all charges incurred using smartphones and iphones to connect to Android and CarPlay respectively. Some functions may not be available for use depending on the user s location. *Android is not available through Touchpad Controller function. Only compatible Apps can be used. Android and Android are trademarks of Google Inc. Apple CarPlay and iphone are trademarks of Apple Inc., registered in the US and other countries. 1. Please drive safely and never rely solely on these systems while driving. Please read the operation manual carefully and be aware of these limitations.

17 2018 Novated Guide OPTIONAL ACCESSORIES When you get a novated lease you can pick the car you really want and it s a great time to Pimp Your Ride with some great accessories. These days there s a long list of genuine accessories from the dealership which will be covered by the manufacturer s warranty and have been engineered specifically for your car. There will also be a range of aftermarket options. And the great thing about including accessories in a lease is the way the cost is spread over the lease term. For example, an accessory that costs $720 is only $20 a month over three years. Then after tax it s even less! So don t skimp on the accessories and load up your car with all the things you ve always wanted. INTERIOR Go for leather. The smell. The feel. It s a small price to pay for luxury. ROOF RACKS It s amazing how useful these can be. Obviously not for every car or every driver, so think about the look as well as the practicality. WINDOW TINT It should be a standard feature. Not only does it look great it keeps your car cool. METALLIC PAINT The colour of your car is as important as the brand you choose. Don t skimp on this. TYRES Big wheels doesn t mean cheap tyres. Stick to a quality brand or the manufacturer recommendation. Or maybe you want an All Terrain pattern for your off-road adventures. Remember - there s only one hand print between you and the road. BIGGER WHEELS They look great don t they? More rim, less tyre is the golden rule. TOW BAR If you think there s a chance that you might tow something one day (or even use a bike rack), get it fitted at the start. SAFETY PACK If you re buying a family car then tick every option. Even if you re not, the safety features hold their value when it s time to sell. fleetautonews.com.au 15

18 Novated Guide 2018 QA+ 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. 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 onroad 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. 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. 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. Novated Lease management software in the cloud Salary sacrifice quotations Full leasing life cycle management Finance interfaces Fuel and maintenance interfaces ATO compliant FBT reporting Driver portal Online claims for reimbursements ISO compliant REQUEST AN ONLINE DEMO sales@catch-e.com.au 16 fleetautonews.com.au

19 Many modern vehicles are now equipped with Advanced Driver Assistance Systems, which require recalibration after windscreen replacement. At O Brien, we believe the safest option is to recalibrate in accordance with the manufacturer s instructions. We offer recalibration for many vehicle types with our Cal-Tech system. Exclusive to O Brien, this innovative solution is available in selected branches across Australia. To book or find out more, call our Experts on obrien.com.au

20 Vehicle Fuel and Oil Only Vehicle Fuel and Repairs One Card. One Invoice. Accepted at over 90% of fuel sites Custom co-branded vehicle expense card program with an integrated fuel data solution to suit your Fleet Management requirements. Card acceptance at over 90% of nationwide fuel sites, across all major and independent brands. Receive savings across all Fleet Card accepting sites. Increase cash flow, with up to 49 days of interest free credit terms. Call Martin Cislo on or to discuss your Fleet Management solution.

21 2018 Novated Guide CHOOSE US FOR YOUR FLEET REQUIREMENTS BECAUSE WE ARE.. FOR SERVICE Bob Jane T-Marts staff are highly trained and recognised industry specialists in providing friendly, professional advice with a commitment to customer service and client satisfaction. FOR PRICING National Fleet Pricing ensures all products and services are invoiced according to the agreed pricing structure within all Bob Jane T-Marts locations. Our group buying power delivers highly competitive Fleet tyre prices across all the leading brands, therefore maximising available maintenance budgets. FOR BRANDS We source and sell quality tyres, wheels and batteries from leading global brands, for Australian motorists and Australian driving conditions. FOR COVERAGE With an ever expanding network of Bob Jane T-Marts stores nationally. We are well placed to provide the solution to service the needs of your Fleet s tyre replacement policy. REPORTING Invoices provide point of purchase, product descriptions, odometer readings, vehicle registration, vehicle make/ model and order numbers Customised reporting to suit your business requirements National consolidated billing account with 30-day payment terms Work performed to your specific Fleet replacement policy Unique Account Management service For more info contact or fleet@bobjane.com.au & many more brands. EXPLANATION OF HEADINGS The manufacturer of the vehicle. The model of the vehicle. The vehicle specification within the model range. Describes the shape of the car. The fuel used in the vehicle. How you change the gears. Engine power output. Recommended Retail Price The manufacturer s Recommended Retail Price. The total cost to get the vehicle on the road in NSW including registration, stamp duty and dealer delivery. Also known as drive away price. This is the amount you will borrow from the novated leasing company in your lease. The amount that you will need to pay at the end of the lease term. 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. This is the estimated financial benefit of a novated lease compared to owning and financing the car yourself from posttax salary. fleetautonews.com.au 19

22 Novated Guide 2018 SUV Medium Ford Escape Titanium (AWD) 132 $47,490 $50,017 $45,699 $20,564 $1,295 $2,747 Ford Escape Trend (AWD) 178 $35,990 $38,122 $34,850 $15,682 $1,124 $2,762 Holden Captiva 7 LS (FWD) 123 $30,490 $32,457 $29,685 $13,358 $1,023 $2,670 Holden Captiva 7 LTZ (AWD) 190 $40,490 $42,757 $39,076 $17,584 $1,225 $2,937 SUV Medium Holden Captiva 7 LTZ (AWD) 135 $41,490 $43,787 $40,015 $18,006 $1,206 $2,754 Holden Equinox LS (FWD) 127 $29,990 $31,942 $29,215 $13,147 $977 $2,462 Holden Equinox LTZ (AWD) 103 $47,290 $49,807 $45,507 $20,478 $1,292 $2,744 Honda CR-V VTi (2WD) 140 $30,690 $32,663 $29,873 $13,442 $990 $2,473 SUV Medium Honda CR-V VTi-L7 (2WD) 140 $38,990 $41,212 $37,667 $16,950 $1,141 $2,612 Tucson Active X (FWD) 121 $33,650 $35,713 $32,653 $14,694 $1,062 $2,623 Tucson Elite (FWD) 121 $36,250 $38,391 $35,095 $15,792 $1,110 $2,667 Tucson Active R-Series (AWD) 136 $35,090 $37,195 $34,005 $15,302 $1,070 $2, Data supplied by

23 2018 Novated Guide SUV Medium Tucson Highlander (AWD) DCT 130 $45,450 $47,877 $43,745 $19,685 $1,295 $2,910 Jeep Cherokee Trailhawk (4X4) 200 $49,950 $52,602 $48,061 $21,627 $1,416 $3,194 Kia Sportage SLi (FWD) 114 $34,690 $36,783 $33,629 $15,133 $1,081 $2,640 Kia Sportage SLi (AWD) 136 $39,690 $41,933 $38,324 $17,246 $1,154 $2,624 SUV Medium Land Rover Discovery Sport TD4 SE 110 $56,700 $59,687 $54,532 $24,539 $1,449 $2,820 Lexus NX300 Luxury (FWD) 175 $54,800 $57,692 $52,710 $23,719 $1,469 $3,085 Mazda CX-5 Maxx (4X2) 114 $30,690 $32,663 $29,873 $13,442 $990 $2,473 Mazda CX-5 Akera (4X4) 140 $46,990 $49,492 $45,220 $20,349 $1,324 $2,938 SUV Medium Mitsubishi Outlander Exceed 7 Seat (AWD) 110 $44,500 $46,887 $42,841 $19,278 $1,240 $2,692 Nissan X-Trail ST (2WD) 126 $30,990 $32,972 $30,154 $13,569 $1,014 $2,579 Nissan X-Trail ST (4WD) 126 $32,990 $35,032 $32,032 $14,414 $1,050 $2,612 Nissan X-Trail ST-L (2WD) 126 $37,090 $39,255 $35,883 $16,147 $1,125 $2,680 Data supplied by 21

24 Novated Guide 2018 SUV Medium Nissan X-Trail ST-L (4WD) 126 $39,090 $41,315 $37,761 $16,992 $1,162 $2,714 Range Rover Evoque TD4 Pure 5D Wagon 110 $59,500 $62,627 $57,392 $25,826 $1,504 $2,891 Renault Koleos Life (4X2) 126 $29,990 $31,942 $29,215 $13,147 $996 $2,562 Renault Koleos Intens (4X4) 126 $44,490 $46,877 $42,832 $19,274 $1,277 $2,892 SUV Medium Subaru Forester 2.0XT Premium 177 $48,240 $50,807 $46,421 $20,889 $1,347 $2,962 Subaru Forester 2.0D-L 108 $35,740 $37,866 $34,616 $15,577 $1,063 $2,458 Suzuki Grand Vitara Navigator (4X4) 2D Wagon 122 $26,990 $28,852 $26,398 $11,879 $978 $2,712 Volkswagen Tiguan 110 TSI Comfortline DSG 110 $36,990 $39,152 $35,789 $16,105 $1,086 $2,479 4x4 UTE Ford Ranger XL 2.2 (4X4) Crew Cab Utility 118 $45,890 $48,337 $44,165 $19,874 $1,303 $2,918 Ford Ranger Wildtrak 3.2 (4X4) Dual Cab P/Up 147 $60,090 $63,247 $58,012 $26,105 $1,591 $3,308 Holden Colorado LT (4X4) Crew Cab P/Up 147 $49,190 $51,802 $47,330 $21,298 $1,383 $3,080 Holden Colorado LTZ (4X4) Crew Cab P/Up 147 $52,690 $55,477 $50,687 $22,809 $1,449 $3, Data supplied by

25 2018 Novated Guide 4x4 UTE Isuzu D-Max LS-M Hi-Ride (4X4) Crew Cab Utility 130 $48,500 $51,077 $46,667 $21,000 $1,352 $2,967 Mazda BT-50 XTR (4X4) Dual Cab Utility 147 $52,490 $55,267 $50,495 $22,722 $1,445 $3,142 Mitsubishi Triton GLX (4X4) Dual Cab Utility 133 $37,000 $39,162 $35,798 $16,109 $1,105 $2,579 Nissan Navara RX (4X4) Double Cab Utility 120 $42,490 $44,817 $40,954 $18,429 $1,222 $2,759 4x4 UTE Nissan Navara ST-X (4X4) Dual Cab Utility 140 $54,490 $57,367 $52,413 $23,586 $1,445 $2,979 Toyota Hilux SR5 (4X4) Dual Cab Utility 130 $56,440 $59,417 $54,286 $24,428 $1,500 $3,116 Volkswagen Amarok TDI420 Core Plus (4X4) Dual Cab Utility 132 $50,490 $53,167 $48,577 $21,859 $1,389 $3,004 Volkswagen Amarok V6 TDI 550 Highline Dual Cab Utility 165 $59,990 $63,142 $57,907 $26,058 $1,571 $3,205 SUV Small Audi Q3 2.0 TDI Quattro DCT 110 $49,000 $51,602 $47,147 $21,216 $1,305 $2,676 BMW X1 sdrive 20i 141 $51,600 $54,332 $49,641 $22,338 $1,372 $2,825 Ford Ecosport Trend 82 $24,290 $26,071 $23,862 $10,738 $854 $2,267 Holden Trax LTZ 103 $30,490 $32,457 $29,685 $13,358 $986 $2,470 Data supplied by 23

26 Novated Guide 2018 SUV Small Honda HR-V VTi-L 105 $33,340 $35,394 $32,363 $14,563 $1,038 $2,518 Kona Active 110 $24,500 $26,287 $24,059 $10,826 $876 $2,370 Kona Highlander 110 $33,000 $35,042 $32,042 $14,418 $1,032 $2,512 Jeep Compass Limited (4X4) 129 $41,250 $43,541 $39,791 $17,905 $1,239 $2,950 SUV Small Jeep Renegade Sport DCT 103 $28,000 $29,892 $27,346 $12,305 $922 $2,328 Mazda CX-3 Akari (FWD) 109 $33,490 $35,547 $32,502 $14,626 $1,022 $2,420 Mercedes-Benz GLA 220d DCT 130 $51,200 $53,912 $49,257 $22,165 $1,327 $2,617 Mitsubishi Eclipse Cross LS (2WD) 110 $30,500 $32,467 $29,694 $13,362 $986 $2,470 SUV Small Mitsubishi Eclipse Cross Exceed (AWD) 110 $38,500 $40,707 $37,207 $16,743 $1,151 $2,704 Nissan Juke N-Sport 140 $36,990 $39,152 $35,789 $16,105 $1,086 $2,479 Nissan Juke ST N-Tec (FWD) 86 $27,990 $29,882 $27,337 $12,301 $921 $2,328 Nissan Qashqai ST 106 $28,990 $30,912 $28,276 $12,724 $959 $2, Data supplied by

27 2018 Novated Guide SUV Small Nissan Qashqai ST-L 106 $32,990 $35,032 $32,032 $14,414 $1,032 $2,512 Nissan Qashqai Ti 106 $37,990 $40,182 $36,728 $16,527 $1,123 $2,595 Renault Captur Intens DCT 88 $28,990 $30,912 $28,276 $12,724 $940 $2,345 Suzuki Vitara RT-X (4WD) DCT 88 $35,990 $38,122 $34,850 $15,682 $1,049 $2,362 LARGE Genesis 232 $61,500 $64,727 $59,492 $26,771 $1,658 $3,548 Kia Stinger 200S 182 $45,990 $48,442 $44,261 $19,917 $1,324 $3,020 Kia Stinger GT 272 $59,990 $63,142 $57,907 $26,058 $1,608 $3,405 Skoda Superb 140 TDI DSG 140 $44,690 $47,083 $43,020 $19,359 $1,225 $2,595 LIGHT Audi A1 Sportback 1.4 TFSI DSG 92 $30,800 $32,776 $29,976 $13,489 $954 $2,275 Audi S1 Sportback 2.0 TFSI 170 $50,400 $53,072 $48,490 $21,820 $1,369 $2,902 Ford Fiesta Ambiente 82 $17,825 $19,414 $17,793 $8,007 $718 $2,066 Ford Fiesta Trend 82 $19,825 $21,474 $19,671 $8,852 $772 $2,192 Data supplied by 25

28 Novated Guide 2018 LIGHT Holden Barina LS 85 $17,190 $18,758 $17,195 $7,737 $725 $2,155 Honda Jazz VTi 88 $14,990 $16,492 $15,129 $6,808 $666 $2,018 Accent Sport 103 $17,490 $19,067 $17,477 $7,864 $731 $2,160 Accent Sport 103 $17,490 $19,067 $17,477 $7,864 $731 $2,160 LIGHT Accent Sport 103 $15,490 $17,007 $15,598 $7,019 $676 $2,027 Kia Rio S 74 $19,090 $20,715 $18,979 $8,540 $759 $2,180 Kia Rio SLi 74 $22,990 $24,732 $22,642 $10,188 $830 $2,245 Mazda Mazda2 Maxx 81 $19,690 $21,333 $19,543 $8,794 $751 $2,090 LIGHT Mazda Mazda2 Genki 81 $22,690 $24,423 $22,360 $10,062 $806 $2,140 Mini Clubman Cooper 100 $36,900 $39,059 $35,704 $16,067 $1,066 $2,377 Mini Clubman Cooper S 141 $44,900 $47,299 $43,217 $19,447 $1,247 $2,699 Renault Clio Life DCT 88 $18,990 $20,612 $18,885 $8,498 $740 $2, Data supplied by

29 2018 Novated Guide LIGHT Renault Clio Intens DCT 88 $22,990 $24,732 $22,642 $10,188 $830 $2,245 Renault Clio RS 200 Sport DCT 147 $30,990 $32,972 $30,154 $13,569 $976 $2,378 Suzuki Celerio 50 $13,990 $15,462 $14,190 $6,385 $629 $1,902 Toyota Prius Hybrid 73 $35,690 $37,813 $34,568 $15,555 $1,006 $2,156 LIGHT Toyota Yaris Ascent 63 $16,920 $18,482 $16,943 $7,624 $702 $2,051 Toyota Yaris ZR 80 $22,570 $24,300 $22,248 $10,011 $822 $2,238 Volkswagen Polo GTi 141 $27,690 $29,573 $27,055 $12,175 $916 $2,323 Volkswagen Polo Urban+ DSG 81 $21,990 $23,702 $21,702 $9,766 $793 $2,128 MEDIUM Audi A4 1.4 TFSI S tronic DCT 110 $56,100 $59,057 $53,957 $24,280 $1,456 $2,909 Citroen C5 Exclusive Hdi 120 $47,990 $50,542 $46,179 $20,780 $1,305 $2,757 Ford Mondeo Titanium TDCi 132 $49,840 $52,487 $47,956 $21,580 $1,321 $2,692 Ford Mondeo Titanium 177 $44,790 $47,186 $43,114 $19,401 $1,283 $2,897 Data supplied by 27

30 Novated Guide 2018 MEDIUM Ford Mondeo Ambiente 132 $37,190 $39,358 $35,977 $16,189 $1,071 $2,382 Holden Insignia VXR 239 $51,990 $54,742 $50,015 $22,507 $1,473 $3,333 Honda Accord VTi-L 129 $43,990 $46,362 $42,362 $19,063 $1,268 $2,884 Honda Accord V6-L 206 $52,990 $55,792 $50,974 $22,938 $1,454 $3,151 MEDIUM i40 Active DCT 104 $33,690 $35,753 $32,690 $14,710 $1,007 $2,323 Sonata Active 138 $30,990 $32,972 $30,154 $13,569 $1,014 $2,579 Sonata Premium 180 $45,490 $47,917 $43,781 $19,701 $1,296 $2,910 Infiniti Q50 2.0t GT 155 $54,900 $57,797 $52,806 $23,762 $1,453 $2,987 MEDIUM Kia Optima GT 180 $44,490 $46,877 $42,832 $19,274 $1,277 $2,892 Mazda Mazda6 Atenza 129 $48,240 $50,807 $46,421 $20,889 $1,291 $2,662 Mazda Mazda6 Touring 138 $38,590 $40,800 $37,291 $16,781 $1,134 $2,605 Mercedes-Benz CLA 200 4D Coupe 115 $52,990 $55,792 $50,974 $22,938 $1,398 $2, Data supplied by

31 2018 Novated Guide MEDIUM Subaru Liberty 2.5i 129 $30,240 $32,201 $29,451 $13,253 $981 $2,466 Subaru Levorg 2.0GT-S 197 $49,140 $51,752 $47,284 $21,278 $1,383 $3,079 Volkswagen Passat 132 TSI Comfortline DSG 132 $41,490 $43,787 $40,015 $18,006 $1,168 $2,554 Volkswagen Passat 206 TSI R-Line DSG 206 $59,990 $63,142 $57,907 $26,058 $1,552 $3,105 MICRO Fiat 500 Pop 3D Hatchback 51 $19,490 $21,127 $19,355 $8,709 $747 $2,086 Fiat 500 Lounge 3D Hatchback 74 $21,000 $22,682 $20,772 $9,347 $794 $2,212 Holden Spark LT 73 $18,990 $20,612 $18,885 $8,498 $740 $2,085 Mitsubishi Mirage ES 57 $14,250 $15,731 $14,435 $6,495 $634 $1,906 PEOPLE MOVER Citroen Grand C4 Picasso Exclusive 110 $45,400 $47,822 $43,694 $19,662 $1,219 $2,508 Honda Odyssey VTi 129 $37,610 $39,793 $36,373 $16,368 $1,135 $2,689 imax 125 $47,290 $49,807 $45,507 $20,478 $1,348 $3,044 Kia Rondo Si 122 $31,490 $33,487 $30,624 $13,780 $1,023 $2,587 Data supplied by 29

32 Novated Guide 2018 SMALL Alfa Romeo Giulietta Veloce TCT DCT 177 $41,990 $44,302 $40,484 $18,218 $1,196 $2,662 Audi A3 1.4 TFSI S tronic COD 2D Cabriolet 110 $49,400 $52,022 $47,531 $21,388 $1,312 $2,683 BMW 2 20i Sport Line 2D Convertible 135 $58,300 $61,367 $56,132 $25,259 $1,498 $2,957 BMW 2 20i Active Tourer 141 $51,600 $54,332 $49,641 $22,338 $1,372 $2,825 SMALL BMW 1 25i M-Sport 165 $49,990 $52,642 $48,097 $21,643 $1,342 $2,794 Citroen C4 Picasso Exclusive 121 $39,450 $41,687 $38,100 $17,145 $1,131 $2,520 Citroen C4 Cactus Exclusive 1.6 E-Hdi 68 $29,990 $31,942 $29,215 $13,147 $921 $2,161 Citroen DS4 DSport Hdi 120 $40,490 $42,757 $39,076 $17,584 $1,150 $2,537 SMALL Ford Focus Trend 132 $24,390 $26,174 $23,956 $10,780 $856 $2,268 Ford Focus ST2 184 $38,990 $41,212 $37,667 $16,950 $1,141 $2,612 Ford Focus RS 257 $50,990 $53,692 $49,056 $22,075 $1,398 $3,013 Holden Astra VXR 3D Hatchback 206 $39,990 $42,242 $38,606 $17,372 $1,178 $2, Data supplied by

33 2018 Novated Guide SMALL Holden Astra R 110 $22,490 $24,217 $22,172 $9,977 $821 $2,236 Holden Astra RS 147 $27,240 $29,111 $26,634 $11,985 $908 $2,316 Honda Civic VTi-LX 127 $33,590 $35,650 $32,596 $14,668 $1,024 $2,422 i30 Active 4D Hatchback 120 $20,950 $22,632 $20,727 $9,327 $812 $2,311 SMALL i30 Active 1.6 CRDi 4D Hatchback 100 $23,450 $25,207 $23,075 $10,383 $801 $2,052 i30 SR Premium 4D Hatchback DCT 150 $33,950 $36,022 $32,935 $14,821 $1,068 $2,628 Elantra Elite 2.0 MPI 112 $26,990 $28,852 $26,398 $11,879 $922 $2,412 Elantra Active 2.0 MPI 112 $21,950 $23,662 $21,666 $9,749 $830 $2,328 SMALL Elantra SR Turbo DCT 150 $31,290 $33,281 $30,436 $13,696 $1,001 $2,484 Infiniti QX30 GT 2.0t DCT 155 $48,900 $51,497 $47,051 $21,173 $1,340 $2,874 Infiniti Q30 Sport Premium 2.2d DCT 125 $54,900 $57,797 $52,806 $23,762 $1,415 $2,786 Kia Cerato S Premium 112 $24,990 $26,792 $24,520 $11,034 $885 $2,378 Data supplied by 31

34 Novated Guide 2018 SMALL Kia Cerato SLi 112 $32,490 $34,517 $31,563 $14,203 $1,022 $2,504 Lexus CT 200h Hybrid Luxury 73 $40,900 $43,179 $39,460 $17,757 $1,120 $2,344 Mazda Mazda3 Neo 114 $22,490 $24,217 $22,172 $9,977 $821 $2,236 Mazda Mazda3 SP25 Astina 138 $35,490 $37,607 $34,380 $15,471 $1,059 $2,454 SMALL Mercedes-Benz A $44,300 $46,681 $42,653 $19,194 $1,236 $2,689 Mercedes-Benz A250 Sport 4Matic 160 $55,200 $58,112 $53,093 $23,892 $1,458 $2,992 Mitsubishi Lancer ES Sport 107 $21,000 $22,682 $20,772 $9,347 $812 $2,312 Mitsubishi Lancer GSR Sportback 121 $24,000 $25,772 $23,590 $10,615 $905 $2,562 SMALL Nissan Pulsar ST 96 $22,290 $24,011 $21,984 $9,893 $836 $2,333 Renault Megane Life DCT 97 $24,990 $26,792 $24,520 $11,034 $867 $2,278 Subaru Impreza 2.0i (AWD) 115 $24,990 $26,792 $24,520 $11,034 $885 $2,378 Subaru Impreza 2.0i-S (AWD) 115 $33,250 $35,301 $32,278 $14,525 $1,036 $2, Data supplied by

35 2018 Novated Guide SMALL Toyota Prius V Hybrid 73 $35,400 $37,514 $34,295 $15,433 $1,019 $2,252 Toyota Corolla Hybrid 73 $27,530 $29,410 $26,907 $12,108 $876 $2,121 Toyota Corolla Ascent 103 $22,230 $23,951 $21,930 $9,868 $816 $2,232 Toyota Corolla ZR 103 $30,020 $31,975 $29,245 $13,160 $959 $2,362 SMALL Toyota Prius C Hybrid 54 $24,040 $25,815 $23,629 $10,633 $812 $2,062 Volkswagen Jetta 118 TSI Highline DSG 118 $34,290 $36,371 $33,253 $14,964 $1,037 $2,433 Volkswagen Golf Alltrack 132 TSI DSG 132 $34,490 $36,577 $33,441 $15,048 $1,059 $2,537 Volkswagen Golf 110 TSI Comfortline DSG 110 $26,490 $28,337 $25,928 $11,667 $875 $2,203 SUV Large Holden Trailblazer LTZ (4X4) 147 $52,490 $55,267 $50,495 $22,722 $1,445 $3,142 Santa Fe Elite CRDi (4X4) 147 $51,990 $54,742 $50,015 $22,507 $1,417 $3,032 Santa Fe Highlander CRDi (4X4) 147 $57,090 $60,097 $54,907 $24,708 $1,512 $3,128 Santa Fe Active (4X4) 138 $41,850 $44,159 $40,354 $18,159 $1,231 $2,860 Data supplied by 33

36 Novated Guide 2018 SUV Large Isuzu MU-X LS-U (4x2) 130 $45,100 $47,507 $43,407 $19,533 $1,288 $2,903 Kia Sorento GT-LINE (4X4) 147 $58,990 $62,092 $56,857 $25,585 $1,531 $3,077 Mazda CX-9 Sport (FWD) 170 $43,890 $46,259 $42,269 $19,021 $1,266 $2,882 Mitsubishi Pajero Sport GLX (4X4) 5 Seat 133 $45,000 $47,402 $43,311 $19,489 $1,286 $2,901 SUV Large Nissan Pathfinder ST (4x2) 202 $41,990 $44,302 $40,484 $18,218 $1,252 $2,963 Nissan Pathfinder ST-L (4x2) 202 $53,690 $56,527 $51,646 $23,240 $1,486 $3,264 Skoda Kodiaq 132 TSI (4X4) DSG 132 $42,990 $45,332 $41,423 $18,640 $1,250 $2,867 Skoda Kodiaq 140 TDI (4X4) DSG 140 $48,990 $51,592 $47,138 $21,212 $1,342 $2,876 SUV Large Subaru Outback 2.5i Premium 129 $42,240 $44,561 $40,721 $18,324 $1,217 $2,755 Toyota Fortuner GX 130 $44,590 $46,980 $42,926 $19,316 $1,298 $2,994 Toyota Kluger GXL (4X4) 218 $57,550 $60,582 $55,350 $24,907 $1,558 $3,337 Toyota Landcruiser Prado GX (4X4) 130 $56,490 $59,467 $54,331 $24,449 $1,501 $3, Data supplied by

37 2018 Novated Guide LUXURY Alfa Romeo 4C Coupe 2D Coupe DCT 177 $89,000 $93,602 $88,367 $39,765 $2,157 $3,987 Audi RS 4 Avant Quattro DSG 331 $170,626 $179,313 $174,078 $78,335 $4,164 $8,100 BMW X5 xdrive 30d 190 $102,855 $108,152 $102,917 $46,312 $2,473 $4,556 Chrysler 300 SRT Core 350 $65,000 $68,402 $63,167 $28,425 $1,767 $3,847 LUXURY Ford Mustang GT 5.0 V8 2D Convertible 306 $65,916 $69,368 $64,133 $28,860 $1,785 $3,873 Ford Everest Titanium (4WD) 143 $74,701 $78,593 $73,358 $33,011 $1,883 $3,684 Genesis (Ultimate Pack) 232 $82,000 $86,252 $81,017 $36,457 $2,088 $4,190 Infiniti Q GT 235 $68,900 $72,497 $67,262 $30,268 $1,790 $3,657 LUXURY Infiniti QX70 3.0d GT 175 $77,900 $81,947 $76,712 $34,520 $1,967 $3,874 Infiniti QX S Premium 235 $85,900 $90,347 $85,112 $38,300 $2,187 $4,400 Infiniti QX80 S Premium 298 $110,900 $116,597 $111,362 $50,113 $2,831 $5,818 Jaguar XE 20t R-Sport 147 $62,000 $65,252 $60,017 $27,007 $1,574 $3,062 Data supplied by 35

38 Novated Guide 2018 LUXURY Jaguar F-Pace 20d Prestige RWD 132 $72,510 $76,292 $71,057 $31,975 $1,782 $3,322 Jeep Grand Cherokee SRT (4X4) 344 $91,000 $95,702 $90,467 $40,710 $2,329 $4,744 Lexus ES300h Luxury Hybrid 118 $62,500 $65,777 $60,542 $27,244 $1,584 $3,076 Lexus IS300h Luxury Hybrid 133 $61,890 $65,137 $59,902 $26,956 $1,553 $2,958 LUXURY Mercedes-Benz C200 2D Coupe 135 $66,400 $69,872 $64,637 $29,086 $1,664 $3,186 Mercedes-Benz C63 AMG Edition 507 2D Coupe 372 $159,117 $167,229 $161,994 $72,897 $3,911 $7,684 Mercedes-Benz GLC 220d 4D Coupe 125 $78,500 $82,577 $77,342 $34,804 $1,923 $3,591 Mercedes-Benz C200 4D Estate 135 $64,400 $67,772 $62,537 $28,141 $1,623 $3,129 LUXURY Mercedes-Benz C $61,900 $65,147 $59,912 $26,960 $1,572 $3,059 Mercedes-Benz CLS 250d 150 $125,400 $131,822 $126,587 $56,964 $3,004 $5,568 Mercedes-Benz G 350d 180 $164,611 $172,998 $167,763 $75,493 $4,003 $7,730 Nissan 370Z 2D Coupe 245 $56,930 $59,932 $54,756 $24,640 $1,547 $3, Data supplied by

39 2018 Novated Guide LUXURY Nissan 370Z 2D Roadster 245 $65,930 $69,382 $64,147 $28,866 $1,748 $3,673 Nissan Pathfinder Ti (4X4) 202 $66,190 $69,652 $64,417 $28,987 $1,735 $3,580 Nissan Pathfinder Ti Hybrid (4X4) 188 $69,190 $72,802 $67,567 $30,405 $1,777 $3,565 Nissan Patrol Ti-L (4X4) 298 $88,990 $93,592 $88,357 $39,760 $2,288 $4,688 LUXURY Porsche Macan GTS DCT 265 $114,000 $119,852 $114,617 $51,577 $2,792 $5,357 Range Rover Range Rover Vogue TDV6 190 $190,000 $199,652 $194,417 $87,487 $4,545 $8,569 Toyota Landcruiser Prado Kakadu (4X4) 130 $84,490 $88,867 $83,632 $37,634 $2,083 $3,960 Toyota Landcruiser Sahara (4X4) 200 $120,590 $126,772 $121,537 $54,691 $2,966 $5,753 SPORTS Abarth 595 3D Hatchback 107 $28,990 $30,912 $28,276 $12,724 $940 $2,345 Ford Mustang 2.3 GTDi 2D Convertible 233 $54,990 $57,892 $52,892 $23,801 $1,492 $3,189 Ford Mustang Fastback 2.3 GTDi 2D Coupe 233 $48,490 $51,067 $46,658 $20,996 $1,370 $3,067 Ford Mustang Fastback GT 5.0 V8 2D Coupe 306 $57,490 $60,517 $55,290 $24,880 $1,613 $3,822 Data supplied by 37

40 Novated Guide 2018 SPORTS Holden Cascada 2D Convertible 125 $42,990 $46,332 $41,423 $18,640 $1,250 $2,867 Veloster 3D Coupe 103 $29,590 $31,530 $28,840 $12,978 $969 $2,455 Veloster SR Turbo 3D Coupe 150 $30,650 $32,623 $29,836 $13,426 $989 $2,473 Mazda MX-5 Roadster 2D Convertible 96 $33,340 $35,394 $32,363 $14,563 $1,019 $2,418 SPORTS Nissan Pulsar SSS 140 $29,290 $31,221 $28,558 $12,851 $983 $2,550 Renault Megane GT DCT 151 $39,990 $42,242 $38,606 $17,372 $1,141 $2,529 Subaru BRZ 2D Coupe 152 $33,990 $36,062 $32,972 $14,837 $1,069 $2,629 Subaru WRX STi 221 $50,890 $53,587 $48,960 $22,032 $1,434 $3,212 SPORTS Subaru WRX STi Premium 221 $55,640 $58,577 $53,518 $24,083 $1,523 $3,301 Toyota 86 GTS 2D Coupe 152 $36,640 $38,793 $35,462 $15,957 $1,117 $2,673 Volkswagen Golf GTi DSG 169 $43,990 $46,362 $42,362 $19,063 $1,249 $2,784 Volkswagen Golf R 213 $52,990 $55,792 $50,974 $22,938 $1,417 $2, Data supplied by

41

42 Novated Guide 2018 Index A Abarth Alfa Romeo 4C 35 Giulietta 30 Audi A1 25 A3 30 A4 27 Q3 23 RS 4 35 S1 25 B BMW X1 23 X5 35 C Chrysler Citroen C4 30 C4 Cactus 30 C5 27 DS4 30 Grand C4 29 F Fiat Ford Ecosport 23 Escape 20 Everest 35 Fiesta 25 Focus 30 Mondeo 27, 28 Mustang 35, 37 Ranger 22 H Holden Astra 30, 31 Barina 26 Captiva 20 Cascada 38 Colorado 22 Equinox 20 Insignia 28 Spark 29 Trailblazer 33 Trax 23 Honda Accord 28 Civic 31 CR-V 20 HR-V 24 Jazz 26 Odyssey 29 Accent 26 Elantra 31 Genesis 25, 35 i30 31 i40 28 imax 29 Kona 24 Santa Fe 33 Sonata 28 Tucson 20, 21 Veloster 38 I Infiniti Q30 31 Q50 28 Q70 35 QX30 31 QX70 35 QX80 35 Isuzu D-Max 23 MU-X 34 J Jaguar F-Pace 36 XE 35 Jeep Cherokee 21 Compass 24 Grand Cherokee 36 Renegade 24 K Kia Cerato 31, 32 Optima 28 Rio 26 Rondo 29 Sorento 34 Sportage 21 Stinger 25 L Land Rover Discovery Sport 21 Lexus CT 200h Hybrid 32 ES300h 36 IS300h 36 NX M Mazda BT CX-3 24 CX-5 21 CX-9 34 Mazda2 26 Mazda3 32 Mazda6 28 MX-5 38 Mercedes-Benz A A C63 36 C CLA 28 CLS 36 G 36 GLA 24 GLC 36 Mini Clubman 26 Mitsubishi ASX 24 Lancer 32 Mirage 29 Outlander 21 Pajero Sport 34 Triton 23 N Nissan 370Z 36, 37 Juke 24 Navara 23 Pathfinder 34, 37 Patrol 37 Pulsar 32, 38 Qashqai 24, 25 X-Trail 21, 22 P Porsche Macan 37 R Range Rover Evoque 22 Range Rover 37 Renault Captur 25 Clio 26, 27 Koleos 22 Megane 32, 38 S Skoda Kodiaq 34 Superb 25 Subaru BRZ 38 Forester 22 Impreza 32 Levorg 29 Liberty 29 Outback 34 WRX 38 Suzuki Celerio 27 Grand Vitara 22 Vitara 25 T Toyota Corolla 33 Fortuner 34 Hilux 23 Kluger 34 Landcruiser 34, 37 Prius 27 Prius C 33 Prius V 33 Yaris 27 V Volkswagen Amarok 23 Golf 33, 38 Jetta 33 Passat 29 Polo 27 Tiguan 22 Disclaimer While every effort has been made to verify the information in this guide, Fleet News takes no responsibility for the accuracy or authenticity of the content. Fleet 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 calculation data provided by Fleetcare Pty Ltd during January Calculations were made using Fleetcare s proprietary quoting system. All vehicle calculations from Fleetcare Pty Ltd using the following assumptions: A 36 month 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 2017/18 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. 40 fleetautonews.com.au

43 Renault Corporate Program Invitation Did you know that when you enter into a novated Lease on a new Renault you can qualify for exclusive discounts and offers through the Renault Corporate Program? The Renault Corporate program provides qualifying members access to National fleet pricing on new vehicles. For further information on the Renault Corporate program can be found at: UNLIMITED KM WARRANTY # #5 years unlimited km warranty applies to all new Renault passenger vehicles. Demonstrator vehicles receive balance of new vehicle warranty.

44 Australia s most widely accepted fuel card