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The true cost
of car ownership

Sometimes the more expensive car, is cheaper in the long run

The true cost of car ownership

Although it sounds counter-intuitive, the initial cost of buying a car is not the actual cost of the car. You need to look at purchase price, running costs and disposal costs to get the full picture, and that’s why we developed Total-Lifetime-Cost™. This proprietary system allows you to see the real cost of car ownership, and compare different vehicles from a purely financial perspective. Consider it due diligence before making an investment.

The cost of getting into the car

This is what you actually have to pay to buy the car. If you’re using cash for example, it’s the on-road cost including GST. With a novated lease however, the cost of getting into the car is greatly reduced as there are no upfront payments at all.

The cost of running the car

This is what you have to pay every year to keep the car on the road, and covers items such as insurance and finance payments, servicing, general maintenance, tyres and petrol. Some cars are more expensive to run than others, and when this is taken into consideration a higher purchase price up-front, may end up saving you money in the long run.

The cost of getting out of the car

What’s the car going to be worth at the end of the lease, and are you going to make money, or lose money when you sell it? This is where our vehicle selection advice really comes into its own. We can help steer our drivers away from the worst offenders when it comes to depreciation.

Opportunity cost

We’ll also look at opportunity cost, an aspect of ownership that’s almost always overlooked. What else could you be doing with the money if it wasn’t tied up in a car? What about putting it into your mortgage?


All of this analysis allows us to fine tune your novated lease, making it as profitable as possible. What’s the optimum term for your finance for example, what’s the best tax strategy to use, and should you be buying a new or used car?


We’ll take you through all of this, helping you make the most informed vehicle decision you’ve ever made in your life.

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