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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.
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Articles by Nick Shardey

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
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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
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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
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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
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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
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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
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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
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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
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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
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EV vs Petrol Cost Breakdown Using a Novated Lease Calculator

EV vs Petrol Cost Breakdown Using a Novated Lease Calculator

When comparing an electric vehicle and a petrol vehicle under a novated lease, the monthly deduction alone does not tell the full story. The real difference appears when you analyse tax structure, Fringe Benefits Tax treatment, and bundled running costs together. To compare fairly, you should run your numbers using the same vehicle price, lease … Continued
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Red toy car on top of Calculator

How Much Can You Save With a Novated Lease in 2026?

Many Australians unknowingly miss  between $3,000 and $5,000 each year by paying for their car with after tax income. Fuel/Charing, servicing, insurance, tyres, and even the vehicle itself are often paid for with money that has already been taxed by the ATO. Over time, these costs add up and significantly increase the real cost of … Continued
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Hybrid and Plug-In Hybrid Sales Surge in Australia 2026

Hybrid vs Plug-In Hybrid: What VFACTS 2026 Reveals About What Australians Are Buying

VFACTS data continues to highlight a clear shift in Australian car buying behaviour. In 2026, hybrid and plug-in hybrid vehicles are recording strong year-on-year growth, reflecting changing attitudes around affordability, sustainability, and everyday practicality. Rather than moving straight from petrol to fully electric vehicles, many Australians are choosing hybrids and PHEVs as a flexible, lower-risk … Continued
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