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Phoebe ledesma

Articles by Phoebe ledesma

Novated Lease vs. Car Loan

Novated Lease vs. Car Loan: How to Time Your 2026 Finance Decision

Choosing how to finance a car is rarely straightforward. Many buyers reach the decision feeling unsure, not because they haven’t done research, but because the information they’ve found hasn’t helped them compare options in a meaningful way. Most car finance decisions are made across weeks or months. Buyers explore vehicles, run repayment estimates, pause, revisit … Continued
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Red car

Why More Australians Are Switching to Novated Leasing in a High-Interest Market

High interest rates have changed the way Australians think about car finance. With borrowing costs remaining elevated and vehicle prices still high, many buyers are realising that the traditional car loan is no longer the default option it once was. Instead, more people are reassessing how they structure vehicle costs and looking for options that … Continued
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New Vehicle Prices Are Up Again: How Aussies Are Reducing Costs Through Salary Packaging

Rising vehicle prices are once again putting pressure on Australian car buyers. Between higher manufacturing costs, ongoing supply constraints, and the rapid rollout of new technology, buying a new car in 2026 is more expensive than many people expected. As a result, more Australians are focusing less on the sticker price and more on how … Continued
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Chinese Car Brands Are Reshaping the Australian Market and How Australians Finance Cars

The Australian new car market is undergoing a major shift. In 2025, Chinese-manufactured vehicles accounted for around 20 percent of all new cars sold, a sharp increase compared to previous years. Brands like BYD, Chery, GWM, and MG are no longer fringe entrants. They are now mainstream choices, reshaping buyer behaviour and expectations. For Australian … Continued
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Are Novated Lease Savings Still Worth It - Woman with new car

Are Novated Lease Savings Still Worth It After Stage 3 Tax Cuts?

With the introduction of the Stage 3 tax cuts, many Australian employees are reassessing their finances and asking whether novated lease savings after Stage 3 tax cuts are still worth considering. Changes to tax brackets have altered marginal tax rates for many income earners, which naturally raises questions about how effective salary packaging remains in … 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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