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A Novated Lease is an arrangement between an employer, an employee and a finance company. The vehicle is purchased by the novated lease provider and leased to you, for set repayments over a predetermined term. The employer will take over responsibility for the 'remitting' these repayments to the novated lease provider on your behalf. The lease repayments and any FBT liability (Fringe Benefits Tax) will be deducted from your pre-tax or gross salary. This will reduce your taxable income and the amount of income tax you have to pay.
A Novated Lease doesn't transfer the liability of the loan to your employer if you leave work the car and the loan repayments will become your responsibility. You may renovate the lease to a new employer or come to another arrangement with the lease provider
A Fully Maintained Lease can be used to finance vehicles and trucks that have business use. It enables the lease holder to make one simple payment which covers the full costs associated with owning and operating the vehicle. These repayments can cover all Vehicle Servicing, Fuel, Insurances, Tolls and Registration etc..
A Fully Maintained Novated Lease is also available. It shares all the attributes of a novated lease and fully maintained lease.
A Commercial Hire Purchase can present an ideal finance option for those businesses that use the Accrual method of accounting, as for tax purposes it provides this type of business with ownership.
A Commercial Hire Purchase provides such businesses the ability to claim the full Tax Input Credits for the GST portion of the purchase when the business lodges its next BAS
A Chattel Mortgage can present an ideal finance option for those businesses that use the cash method of accounting. It provides the business or individual financing the goods with ownership.
A Chattel Mortgage provides such businesses the ability to claim the full Tax Input Credits for the GST portion of the purchase when the business lodges its next BAS
A Finance Lease also referred to as a lease or business lease, it may suit those businesses who wish to have an Off Balance Sheet style of funding. You are not the owner of the goods so the value of the goods will not be entered on your balance sheet so neither the contingent liability.
The Finance Lease Provider will buy the goods on your behalf, and you will lease (rent) the goods back from them for a predetermined term, monthly repayment and residual.
A Sale, Hire or Lease Back occurs when a finance provider supplies money for goods you have purchased and paid for either in part or full. These loans can take the form of a Chattel Mortgage, Commercial Hire Purchase or Lease and subsequently are respectively called a Sale Back, Hire back or Lease Back.
Many Finance Providers will have a set time limit with regard to the amount of time you have owned the goods. This is normally 3-6 months from the date of purchase if you wish to fund the full amount you paid for the goods, otherwise depreciation comes into play and financing the the full purchase price may not be an option. However refinancing or financing options may be available if you wish to raise money against goods you have owned for longer than this.