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Fringe Benefits Tax (FBT) is the piece of a novated lease that confuses most people — but the mechanics are straightforward once you see them. Because your employer provides the car as part of your salary package, the ATO treats it as a fringe benefit, and FBT is the tax that applies to that benefit....

A horse float is a big-ticket purchase — and financing one works much like financing a caravan or trailer, with a loan secured against the float itself. Whether you’re buying a straight-load two-horse float or a large gooseneck angle-load, horse float finance spreads the cost over a manageable term so you keep cash free for...

Quick answer: A novated lease is a three-way agreement between you, your employer and a lease/finance provider. Your employer pays the car’s lease and running costs out of your salary — part from your pre-tax pay — which can reduce your taxable income. You get the use of the car; the provider owns/finances it; your...

Quick answer: Caravan finance is a loan used to buy a new or used caravan, usually structured as a secured consumer loan with the caravan as security. Terms commonly run 2 to 7 years, and you can finance through a dealer or a private sale. What you are offered depends on the caravan’s age and...

A jet ski is one of the easier ways onto the water — and financing one works much like financing a car. Whether you’re buying a new Sea-Doo, Yamaha WaveRunner or Kawasaki, or a good used personal watercraft (PWC), a secured leisure loan spreads the cost over a set term so you can ride this...

Compare motorbike finance options in Australia - secured vs unsecured bike loans, typical rates and terms, deposit and licence requirements, and how to get approved.

Finance a new or used camper trailer, on-road or off-road, with a secured loan. Compare terms and repayment options, then estimate and apply. General information only.

A novated lease can be one of the most tax-effective ways to get into a car when you’re employed — but the numbers behind it confuse almost everyone, because your car is paid for out of a mix of your pre-tax and post-tax salary. This page shows you exactly what a novated lease calculator works...

How long does car finance approval take? It depends on the lender, the type of loan and your circumstances. Applications with complete, consistent documents move through assessment most smoothly, while private sales, self-employed income or credit issues involve extra checks and can take longer. Your broker or lender can give you a realistic expectation for...

A novated lease can be one of the most tax-effective ways to get into a car, but it is not the right fit for everyone. This guide lays out the genuine pros and cons of a novated lease in Australia so you can weigh it against a normal car loan before you commit. Alpha390 arranges...