Trustpilot
Fingo
1300 134 646
nick shardey

Nick Shardey

Senior Finance Specialist | 25+ Years Years Experience
Nick Shardey is a Senior Finance Specialist with over 25 years’ experience in mortgage and asset finance. He focuses on clear financial structuring and helping clients understand lending options with confidence and transparency.
LinkedIn Profile 🡢

Articles by Nick Shardey

7 EV Novated Lease Facts for Australian

7 EV Novated Lease Facts for Australian Beginners

If you're considering an electric vehicle through a novated lease, understanding how the arrangement works can make the decision much easier. An EV novated lease combines vehicle finance with salary packaging, allowing eligible employees to pay for their car and certain running costs through their pre and post tax salary. Eligible electric vehicles may also … Continued
read more
Australia’s Best-Selling Cars in 2026

Australia’s Best-Selling Cars in 2026: What Buyers Are Choosing

Australia’s new-car market is changing quickly in 2026. June delivered a record 140,058 new-vehicle sales, while July followed with the strongest July result on record. Battery-electric vehicles also accounted for 21.7% of the July market, showing that electrified vehicles are no longer a niche part of Australian car buying. So what are Australians actually buying? … Continued
read more
Tesla Model Y 7-Seater

Tesla Model Y 7-Seater Approved for Australia: What Families Should Know

Tesla's popular Model Y could soon become even more appealing for families. The long-awaited seven-seat version has now received Australian government approval, clearing an important step before local deliveries can begin. For buyers who have wanted extra seating without moving to a much larger SUV, this is one of the biggest EV announcements of the … Continued
read more
Ford Ranger Super Duty Review

Ford Ranger Super Duty Review: Is It a Good Vehicle for a Novated Lease?

Australia has no shortage of capable utes, but the Ford Ranger Super Duty has been engineered for people who need more than just an everyday work vehicle. Designed to tackle demanding job sites, tow heavy loads and perform reliably in some of Australia's toughest conditions, it offers a significant step up in capability from the … Continued
read more
Suzuki's New Vitara Hybrid

Suzuki’s New Vitara Hybrid Costs More Than Ever. Is It Worth It?

Suzuki has officially launched the new Vitara Turbo Hybrid, introducing electrified technology across the entire Vitara range. On paper, the update sounds like a step forward. The challenge is that buyers now face a much higher entry price than before. The new Vitara Turbo Hybrid starts from $39,990 driveaway, while the all-wheel-drive AllGrip variant is … Continued
read more
Geely EX5 Gets a Major Upgrade

The 510HP Lotus Built for Bathurst Is Already Creating FOMO

Most limited-edition vehicles rely on unique paint colours and a commemorative badge. The new Lotus Emira Bathurst Edition takes a very different approach. Built exclusively for enthusiasts, this ultra-limited performance car combines serious engineering upgrades with one of the most iconic names in motorsport. With just 15 examples planned, it's already generating significant attention among … Continued
read more
Denza D9 Arrives

Denza D9 Arrives: The Luxury Electric People Mover That Could Shake Up the Market

The EV market continues to evolve rapidly, and one of the latest arrivals is attracting attention for a very different reason. The new Denza D9 is not a traditional SUV, sedan or ute. Instead, it enters the market as a premium seven-seat electric people mover designed to challenge established luxury transport options. Launched locally in … Continued
read more
VESR emissions ratings are now visible in Australia

What Is VESR? Understanding Australia’s Emissions Rating System

Car buyers in Australia now have access to more detailed information when comparing vehicles. The Vehicle Emissions Star Rating introduces a clearer way to assess emissions performance across different models.   What VESR Shows VESR provides: a star-based emissions rating standardised comparison across vehicles greater transparency for buyers This makes emissions a visible factor alongside … Continued
read more

NVES Explained: Why Ute Demand Remains Strong in Australia

Australia’s emissions landscape is evolving, but one thing remains clear in 2026. Ute demand is still strong. Despite increasing regulatory pressure, buyers continue to prioritise functionality and capability.   What NVES Means for the Market The New Vehicle Efficiency Standard is designed to reduce emissions across the vehicle market. It works by encouraging: lower-emission vehicles … Continued
read more
EV FBT Exemption Changes

EV FBT Exemption Changes: What the 2026 Federal Budget Means for Australian Employees

The Australian government has confirmed a major wind-back of electric vehicle tax incentives in the May 2026 Federal Budget, and for employees considering an EV through salary packaging, the message is becoming clear:   Waiting could cost you thousands. The government’s decision to reduce EV Fringe Benefits Tax (FBT) exemptions is expected to save $1.7 … Continued
read more
Best Year to Start a Novated Lease

Is 2026 the Best Year to Start a Novated Lease? What’s Changed

If you have been thinking about starting a novated lease, 2026 may feel like a turning point. Several tax changes, electric vehicle incentives and market trends have reshaped how salary packaging works in Australia. But the key question remains: is 2026 actually the best year to start a novated lease? To answer that, you need … Continued
read more
Why EV Novated Leases Are Cheaper in 2026

Why EV Novated Leases Are Cheaper in 2026

More Australians are asking whether an EV novated lease is cheaper than a petrol or hybrid vehicle in 2026. In many cases, the answer is yes. The reason is not just lower charging costs. It is primarily driven by tax treatment and salary packaging structure. Electric vehicle salary packaging interacts differently with Fringe Benefits Tax … Continued
read more