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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

The Rise of PHEVs

The Rise of PHEVs: Why Plug-In Hybrids Are Becoming Salary Packaging Favourites

Image Source: Edmunds   Why PHEVs Are Surging in Popularity Plug in hybrids are becoming one of Australia’s fastest rising choices for employees exploring salary packaged cars in 2026. They offer a balanced mix of electric efficiency and petrol powered confidence, creating an ideal bridge for drivers who want sustainable motoring without fully committing to … Continued
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Novated Lease Calculator Australia

Novated Lease Calculator Australia: What You Need to Know

A novated lease calculator is one of the most useful tools for Australian employees looking to understand their car finance options. It helps estimate repayments, running costs, and potential savings from salary packaging a vehicle. But to make the most of it, it’s important to understand how Australian tax rules, Fringe Benefits Tax (FBT), and … Continued
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Volkswagen Commercial Vehicles Expands Telematics Capabilities

Volkswagen Commercial Vehicles Expands Telematics Capabilities

Volkswagen Commercial Vehicles has announced a major upgrade to its fleet connectivity systems, enhancing how businesses can manage, track, and maintain their vans. The brand’s new partnership with Danish technology company Connected Cars brings advanced telematics tools to its vehicle lineup, helping fleet operators gain deeper insight into vehicle performance and maintenance needs.   Smarter … Continued
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How a novated lease works in Australia with Fingo

What Is a Novated Lease? A Beginner’s Guide

Thinking about getting a new car but don’t want the full financial burden upfront? A novated lease might be the smart solution you're looking for. It’s a popular vehicle financing option in Australia, especially for employees who want convenience and tax benefits rolled into one. In this beginner’s guide, we’ll break down how a novated … Continued
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Discussing Novated Lease vs. Salary Sacrifice Car Lease

Novated Lease vs. Salary Sacrifice Car Lease: What’s the Difference?

When it comes to saving on car expenses through your salary, two common terms often cause confusion, novated leases and salary sacrifice car leases. At first glance, they may seem interchangeable, but dig deeper and you’ll find important distinctions in structure, tax benefits, and employer involvement. In this guide, Fingo unpacks everything Australian employees need … Continued
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