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  • Novated Lease | Lexus Financial Services - Lexus of Blackburn
    private and business Decide on a lease term that suits you Consider independent financial advice What is included in a novated lease There are a number of upfront and running costs you can include in a novated lease from Lexus Financial Services Upfront costs Vehicle price and accessories Dealer delivery charges First year registration and CTP insurance Purchase stamp duty Novated lease establishment fee Personal Property Security registration fee Luxury Car Tax if applicable Running costs Mechanical repairs maintenance and servicing Replacement tyres Fuel Roadside assistance Comprehensive insurance Registration CTP renewals Lexus Financial Services also offers novated lease protection insurance as an optional extra That way if you aren t able to work your lease will continue to be paid for up to six months with a hand back option if you don t gain employment within that time Not included Tolls Fines Insurance excess What is FBT By novating a car your lease costs are salary packaged through a combination of pre tax and post tax deductions meaning your taxable income is reduced However because you benefit from this arrangement it is deemed a fringe benefit under taxation law As a result two types of tax apply Income Tax for your cash salary and fringe benefits tax FBT for your car There are two ways to calculate FBT on vehicles The Statutory Method and the Operating Cost Method The Statutory Method uses the value of your car as a basis for calculating the taxable value It doesn t take into account private vs business usage and the amount of FBT doesn t change This method is popular for novated leases as many employees use their car for little or no business use Under the Statutory Method your employer can offset your FBT liability by making after tax contributions towards the vehicle s running costs equivalent to the FBT liability This is called the Employee Contribution Method It means an amount will be set up and deducted from both your pre tax and post tax income to offset the FBT liability This has greater tax benefits if your salary is below 180 000 The Operating Cost Method calculates the FBT liability using the total costs of operating the car over the year FBT is then payable on the portion of private use This means the driver will need a logbook to work out the private vs business use This method is suited to employees who use the car predominantly for business as it can work out cheaper than the Statutory Method Your FBT status may differ if you work in specific industry sectors such as not for profit and medical If you are unsure of your FBT status please contact us to clarify What happens if I change employer If you leave your current employer let us know straight away If the new employer is an existing Lexus Financial Services customer or they re willing to enter into a novation agreement you can maintain all existing lease services and simply

    Original URL path: http://www.lexusofblackburn.com.au/finance/finance/personal/novated-lease/ (2016-04-28)
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  • Business Vehicle Finance | Lexus Financial Services - Lexus of Blackburn
    replace retain or return the vehicle at the end of the term FIND OUT MORE FINANCE LEASE A Finance Lease Car Lease enables a business to have the use of business vehicles while Lexus Financial Services retains ownership of the vehicle during the lease term At the end of the term you have the opportunity to make an offer to purchase the vehicle or vary the lease by extending the term A Finance Lease offers you the following benefits A choice of vehicle lease terms ranging from 1 7 years Fixed payments for the term of the lease with options to extend upgrade or make an offer to buy at the end of your lease Rental payments may be income tax deductible if you use the vehicle for business purposes and to generate income FIND OUT MORE NOVATED LEASE Novated Leasing is a great way for businesses to offer an added incentive to their staff at no extra cost to the employer by offering a vehicle through salary packaging to their employees A Novated Lease offers you the following benefits A simple and convenient way to attract and retain valuable staff great salary package incentive for employees with potential savings on servicing and running costs No residual risk to your business as the residual value and payment obligations always remain with the employees Simple and convenient less administration than maintaining a fleet of company vehicles FIND OUT MORE NEXT STEPS Lexus Financial Services With over 30 years experience in the Australian market and a comprehensive range of products we set a benchmark for vehicle finance Contact Finance Our Network Speak to us about your finance Contact Us Loan Calculator Calculate monthly repayments for your vehicle loan Estimate Finance Footnotes The information provided by Lexus Financial Services a division of Toyota

    Original URL path: http://www.lexusofblackburn.com.au/finance/finance/business/ (2016-04-28)
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  • Business Vehicle Loan | Lexus Financial Services - Lexus of Blackburn
    Extra costs can be included in the amount financed including on roads stamp duty insurance warranty and roadside assistance Opportunities for income tax deductions through depreciation and interest charges Alternative Business Finance Options Ownership Solutions Finance Lease Novated Lease NEXT STEPS Lexus Financial Services With over 30 years experience in the Australian market and a comprehensive range of products we set a benchmark for vehicle finance Contact Finance Our Network Speak to us about your finance Contact Us Loan Calculator Calculate monthly repayments for your vehicle loan Estimate Finance FREQUENTLY ASKED QUESTIONS What types of finance are available from Lexus Financial Services Lexus Financial Services offers a range of financing solutions for both personal and business use vehicles Finance can be conveniently arranged at your local participating Lexus dealership For further details of the types of finance products available visit the Lexus Financial Services section of the Lexus website email us or call 1300 888 840 for more information What is the current interest rate offered by Lexus Financial Sevices Lexus offers fixed interest rates for a fixed term on a range of consumer and commercial products The rate is determined on a number of factors including market conditions Your local Lexus Dealer can assist you with a finance quote How can I get finance with Lexus Financial Services Your Lexus Dealer can assist you with all your finance needs for your next Lexus Simply click here to contact your local Dealer Can I defer a payment Please contact our Customer Solutions Centre on 1300 888 840 to discuss payment arrangements Footnotes Approved applicants only Terms conditions fees and charges apply A minimum loan term of 12 months applies The maximum loan term will vary depending on the finance product selected and will be subject to Lexus Financial Services policy

    Original URL path: http://www.lexusofblackburn.com.au/finance/finance/business/business-vehicle-loan/ (2016-04-28)
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  • Finance Lease | Lexus Financial Services - Lexus of Blackburn
    g on roads stamp duty registration You should check with your accountant or financial adviser to determine whether this finance arrangement best suits your business needs Alternative Business Finance Products Business Vehicle Loan Ownership Solutions Novated Lease NEXT STEPS Lexus Financial Services With over 30 years experience in the Australian market and a comprehensive range of products we set a benchmark for vehicle finance Contact Finance Our Network Speak to us about your finance Contact Us Loan Calculator Calculate monthly repayments for your vehicle loan Estimate Finance FREQUENTLY ASKED QUESTIONS What types of finance are available from Lexus Financial Services Lexus Financial Services offers a range of financing solutions for both personal and business use vehicles Finance can be conveniently arranged at your local participating Lexus dealership For further details of the types of finance products available visit the Lexus Financial Services section of the Lexus website email us or call 1300 888 840 for more information What is the current interest rate offered by Lexus Financial Services Lexus offers fixed interest rates for a fixed term on a range of consumer and commercial products The rate is determined on a number of factors including market conditions Your local Lexus Dealer can assist you with a finance quote Does Lexus Financial Services offer finance for non Lexus vehicles Lexus Financial Services can assist you in the purchase of vehicles other than a Lexus purchased from a licensed motor dealer Please contact the Lexus Customer Solutions Centre on 1300 888 840 Can I defer a payment Please contact our Customer Solutions Centre on 1300 888 840 to discuss payment arrangements Footnotes Approved applicants only Terms conditions fees and charges apply A minimum loan term of 12 months applies The maximum loan term will vary depending on the finance product selected and

    Original URL path: http://www.lexusofblackburn.com.au/finance/finance/business/finance-lease/ (2016-04-28)
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  • Finance Lease | Lexus Financial Services - Lexus of Blackburn
    only available on new Lexus vehicles How does it work At the time of purchase Select your new or approved demonstrator Lexus Nominate the deposit you d like to pay if any Choose your term and number of kilometres you expect the vehicle to travel over the term Lexus Financial Services will calculate the Guaranteed Future Value of your new Lexus Lexus Financial Services will then calculate your monthly repayments with a final payment equal to your Guaranteed Future Value At the end of your term You ll have the assurance of several options to choose from Replace or sell your Lexus use the trade in value or sale price to pay the remaining balance of your vehicle loan Retain your Lexus simply pay the outstanding balance including the final payment We can help you refinance your vehicle loan if you don t have the cash on hand conditions apply Return your Lexus We ll pay you the Guaranteed Future Value we agreed at the start of your term and put it towards the remaining balance owing on your vehicle loan subject to Fair Wear and Tear conditions and agreed kilometres being met For more information about the Ownership Solutions Returns Process and to download a brochure click here Find out more about Ownership Solutions http www lexus com au ownershipsolutions Alternative Business Finance Products Business Vehicle Loan Finance Lease Novated Lease NEXT STEPS Lexus Financial Services With over 30 years experience in the Australian market and a comprehensive range of products we set a benchmark for vehicle finance Contact Finance Our Network Speak to us about your finance Contact Us Loan Calculator Calculate monthly repayments for your vehicle loan Estimate Finance FREQUENTLY ASKED QUESTIONS What types of finance are available from Lexus Financial Services Lexus Financial Services offers a range of financing solutions for both personal and business use vehicles Finance can be conveniently arranged at your local participating Lexus dealership For further details of the types of finance products available visit the Lexus Financial Services section of the Lexus website email us or call 1300 888 840 for more information What is the current interest rate offered by Lexus Financial Services Lexus offers fixed interest rates for a fixed term on a range of consumer and commercial products The rate is determined on a number of factors including market conditions Your local Lexus Dealer can assist you with a finance quote Does Lexus Financial Services offer finance for non Lexus vehicles Lexus Financial Services can assist you in the purchase of vehicles other than a Lexus purchased from a licensed motor dealer Please contact the Lexus Customer Solutions Centre on 1300 888 840 Can I defer a payment Please contact our Customer Solutions Centre on 1300 888 840 to discuss payment arrangements Footnotes Approved applicants only Terms conditions fees and charges apply A minimum loan term of 12 months applies The maximum loan term will vary depending on the finance product selected and will be subject to Lexus

    Original URL path: http://www.lexusofblackburn.com.au/finance/finance/business/ownership-solutions/ (2016-04-28)
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  • Novated Lease : Lexus Financial Services - Lexus of Blackburn
    the residual value obligations always remain with the employee Off the balance sheet accounting for the employer Employers don t get lumbered with excess vehicles if an employee leaves as they take the vehicle with them The ability to offer a more attractive salary package and attract employees Reduced admin time and costs in comparison to company vehicles We can arrange Novated Leases for your employees saving you time and money Vehicle finance only available on a single vehicle If the employee changes their employment during the term of the Novated Lease payment obligations are transferred to the employee The employee may however be able to novate the lease to their new employer or take over the full repayments by refinancing under an alternative finance contract with us or another financier This means an employer won t be left with unwanted vehicles if an employee moves on Alternative Business Finance Options Business Vehicle Loan Ownership Solutions Finance Lease NEXT STEPS Lexus Financial Services With over 30 years experience in the Australian market and a comprehensive range of products we set a benchmark for vehicle finance Contact Finance Our Network Speak to us about your finance Contact Us Loan Calculator Calculate monthly repayments for your vehicle loan Estimate Finance Footnotes The information provided by Lexus Financial Services a division of Toyota Finance Australia Limited ABN 48 002 435 181 AFSL and Australian Credit Licence 392536 is of a general nature and for information only Nothing on this website constitutes or should be considered to constitute legal taxation or financial advice Before making a decision about any of the products and services featured on this website you should consult with your own independent legal taxation and financial advisors who can advise you about your personal circumstances The Lexus Financial Services Novated Lease

    Original URL path: http://www.lexusofblackburn.com.au/finance/finance/business/novated-lease/ (2016-04-28)
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  • Insurance and Warranty: Lexus Financial Services - Lexus of Blackburn
    off work for a length of time due to serious illness or accidental injury or following involuntary redundancy our Finance Protection Insurance policy is designed to help It assists you in meeting your finance contract repayments up to the maximum cover amount you ve chosen Depending upon your circumstances Finance Protection Insurance can help you to Make your vehicle repayments Reduce your financial burden Keep your vehicle or Return your vehicle to exit your loan FIND OUT MORE EXTENDED WARRANTY INSURANCE Factory Approved Extended Warranty Insurance is available to Lexus owners only and can be purchased any time after you purchase your vehicle up to 4 years old and have travelled less than 90 000 kms Any Lexus component found to be defective in materials or workmanship under normal use and operating conditions within Australia will be repaired or replaced at no cost to you subject to policy conditions FIND OUT MORE NEXT STEPS Lexus Financial Services With over 30 years experience in the Australian market and a comprehensive range of products we set a benchmark for vehicle finance Contact Finance Our Network Speak to us about your finance Contact Us Loan Calculator Calculate monthly repayments for your vehicle loan Estimate Finance Footnotes Terms and conditions apply This advice is general in nature and does not take into account your objectives financial situation or needs Before making a decision to purchase any of the insurance products you should consider the appropriateness of the advice taking into account your own objectives financial situation and needs and refer to the current PDS for the relevant product available from participating Dealers via our website or by calling 1300 888 840 Lexus Insurance is issued by Toyota Finance Australia Limited ABN 48 002 435 181 AFSL and Australian Credit Licence 392536 The insurer is

    Original URL path: http://www.lexusofblackburn.com.au/finance/finance/insurance-and-warranty/ (2016-04-28)
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  • Comprehensive Motor Vehicle Insurance | Lexus Insurance - Lexus of Blackburn
    NEXT STEPS Lexus Financial Services With over 30 years experience in the Australian market and a comprehensive range of products we set a benchmark for vehicle finance Contact Finance Our Network Speak to us about your finance Contact Us Loan Calculator Calculate monthly repayments for your vehicle loan Estimate Finance FREQUENTLY ASKED QUESTIONS What types of insurance are available from Lexus Financial Services Lexus Insurance provide a range of insurance solutions which can be arranged at your participating Lexus dealership Comprehensive Motor Vehicle Insurance Imagine the inconvenience of being without your vehicle Could you afford costly repairs or to replace your vehicle altogether Our Comprehensive Motor Vehicle policy includes cover for accidental loss damage and liability for property damage providing peace of mind motoring and confidence throughout your Lexus ownership For further details on the insurance options available for your Lexus visit the Motor Vehicle Insurance section of the Lexus website email us or call 1300 888 840 for more information Finance Gap Insurance If you ve financed your vehicle and it is written off as a result of an accident or theft there may be a gap between the amount your motor vehicle insurer pays you and the outstanding balance on your vehicle finance contract In this situation Finance Gap Insurance helps to protect you from experiencing significant financial loss and personal inconvenience and also provides cover for extra costs associated with your purchase of a replacement vehicleFor further details on the features and benefits visit the Finance Gap Insurance section of the Lexus website email us or call 1300 888 840 for more information Finance Protection Insurance It s always better to have options no matter what your circumstance So if you re unable to work due to serious illness accidental injury or following involuntary redundancy our Finance Protection Insurance policy provides cover for your car loan repayments for up to six months subject to the maximum cover amount you ve chosen For further details on the features and benefits visit the Finance Protection Insurance section of the Lexus website email us or call 1300 888 840 for more information Extended Warranty Insurance Factory Approved Extended Warranty Insurance offers you protection that continues beyond your Lexus new vehicle warranty cover You can take out this policy on vehicles up to 3 years old that have travelled less than 90 000km For further details on the features and benefits visit the Warranty Insurance section of the Lexus website email us or call 1300 888 840 for more information How can I purchase Lexus Financial Services Insurance Products Please contact our Lexus Customer Solutions Centre on 1300 888 840 for a quote How do I make an insurance claim For Motor Vehicle Finance Gap and Finance Protection Insurance policies you can lodge your claim over the phone by calling us on 1300 658 067 For Factory Approved Extended Warranty Insurance and Extended Warranty Insurance claims you will need to contact the Administrator and advise them that you wish to make

    Original URL path: http://www.lexusofblackburn.com.au/finance/finance/insurance-and-warranty/comprehensive-motor-vehicle-insurance/ (2016-04-28)
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