Intrepid Wealth

🔎 When comparing novated lease quotes, don't just look at the headline rate. Ask for the effective rate, including all fees and charges, so you can understand the true cost and compare your options properly.

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🚗 A novated lease doesn't have to be for a work car. It can be your everyday family vehicle, with eligible running costs packaged through your salary, while your partner or other insured family members can still drive it.

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🚗 With a novated lease, eligible vehicle running costs can come from pre-tax income and may also receive GST benefits, helping the savings add up. The vehicle doesn’t need to be used for work either—it can simply be your everyday family car.

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🚗 Changing jobs doesn’t mean losing your car, and reaching the end of a novated lease doesn’t mean giving it back—you can re-lease it or pay the residual and keep it. And when comparing providers, the lowest monthly payment doesn’t always mean you’re getting the cheapest overall deal.

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🚗 You don’t need to use your car for work to have a novated lease, and the car is still owned and registered in your name. The financier simply holds an interest in the vehicle, as is standard across the industry.

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🚗 Novated leases aren’t just for high-income earners or brand-new cars—used vehicles can also be eligible. Vehicle age requirements vary between financiers, while EVs need to meet specific build-date requirements to qualify for the FBT exemption.

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💼 Novated leasing can offer employees meaningful income tax and cost savings, while requiring very little administration from the employer. With cost-of-living pressures continuing, it can be a practical employee benefit that makes a real difference at home.

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🏠 Proposed negative gearing changes may treat different property structures differently, with new residential properties, SMSF-held investments, company-owned properties and commercial assets potentially subject to different rules. Understanding how an investment is owned and structured could therefore become increasingly important when assessing available deductions and future tax outcomes.

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🏠 Many property investors may be missing out on depreciation deductions simply because they assume their property is too old or there’s nothing left to claim. Understanding what depreciation benefits are available can help investors make the most of legitimate tax deductions throughout their property investment journey.

Book a free call with PJ Patterson: https://intrepidwealth.com.au/book-a-call