Autopia

Autopia allows you to purchase the ideal car, at the best price, in the most tax efficient way possible.

Even if you already own a car, we can still uncover further tax savings.

- We can help you choose the right car to suit your needs
- We can manage the purchase and negotiate on your behalf
- We’ll organise the finance in the most tax efficient way possible
- We’ll provide ongoing maintenance & support for your vehicle
- We’ll advise on disposal of the car once you’re finished with it

We’re with you every step of the way.

And, we figured out the cheapest way of doing all of this – it’s by salary packaging a car with a novated lease.

What’s a novated lease?

A novated lease is just a regular finance lease, with a separate document attached to it called a novation agreement. This agreement transfers the legal obligation of payment from you, to your employer.

Your employer then pays for this expense out of your salary, before you are taxed, just like your superannuation payments.

It’s the cheapest most tax efficient way of owning a car.

However, as you would expect, the ATO has made the intricacies of the system so complex, that unless you use the services of an expert, it’s virtually impossible to derive the maximum benefit available.

And that’s where we come in.

We’ve done the homework, we know how to work the system.

What’s more, we roll all the other costs of running a car into the payments too, so you’re not only saving money on the actual finance, you’re also saving money on servicing, petrol, tyres, insurance etc…

Who qualifies for a novated lease?

Virtually everyone.
You only have to be employed.

The only situations where a novation agreement is not possible, is if you’re self-employed, or a temporary contractor.

It doesn’t even matter if you already own a car outright, you can still transfer over to a novated lease, and save money with Autopia.

How much money can I save?

Obviously every situation is different, however the average amount of savings achieved by Autopia drivers works out at the equivalent of a $9,000 pay rise.*

Why you should choose Autopia

Because we specialise in novated leases, no other organisation does this
as well as us. We find tax savings where no other salary packaging company can.

What to do now?

Read on for more details, unless you’re already sold on the idea of a $9,000* pay rise, in which case, just give us a call on 1800 288 674.

Before talking to Autopia I was driving an early model Subaru Liberty wishing I could be driving a brand new Forester. After talking to Autopia I found out I could be driving the Forester for no more than it was costing me to run my old car. I have no hesitation in recommending Autopia to help you own the car that you have always wanted to.

Duane A - Epping, NSW

The car I owned before was a 12 year old Ford that was on its last legs. Now I'm in an almost new BMW that's fantastic. I'm now driving a very nice car for really almost no more than what I was paying to run an old bomb. I will certainly be calling on their services again when I upgrade my car.

Justin C - Corinda, QLD

Thousands of dollars to be saved when purchasing a new car... or even on your existing vehicle...

Most people don't know the best way to purchase a car. This is understandable. It's something you generally deal with every few years and it's easy to get caught up in the excitement of the moment. Be careful, the wrong choices could cost you thousands of dollars... purchasing a car is probably the 2nd biggest financial decision you will make.

With 1,603 different new vehicles to choose from (increasing to 18,382 if you include used vehicles from the past 8 years), buying a new car is daunting... so many options and at every step along the way someone is pushing their own agenda to get your business. You may not realise it, but making the right choices at the beginning will allow you to drive a more luxurious car without it costing you a cent more (of course you could also drive the cheaper car and pocket the difference).

You can also save thousands of dollars on your existing car, simply by restructuring it and taking advantage of little known insider strategies.

Who can you turn to for honest expert advice?

Do you ask the dealer for his opinion? You can... but... that would be a bit like asking the barber if you need a haircut.

Perhaps your friend the car enthusiast can offer helpful advice? But how much will they know about the tax implications?

What about your bank? Sure they can offer you finance but what do they know about car running costs?

Your accountant may be able to assist with tax matters but will they be able to help you choose the right car?

So, what are you supposed to do? Who do you turn to? How can you easily compare different cars (and financing methods)?

The formula industry insiders use to pick the RIGHT car...

Whilst it's an important figure, the purchase price of a vehicle is only the tip of the iceberg. Sometimes the cheaper car to buy is actually the more expensive to own. In addition to the purchase price, there are additional costs that add up over time that you need to consider e.g.

Finance
Registration
Insurance
Fuel
Servicing
Tyres
Depreciation

If you've ever owned a car you'll know these add up to thousands and thousands of dollars per year. These expenses don't even take into account all the time you can spend researching vehicles, sourcing the vehicle, arranging finance, getting tax advice, managing vehicle expenses and preparing your tax return each year.

So you need to know not only what the car is going to cost you when you drive out the showroom... but what it is going to cost you up until you sell it! In order to work this out, you need to perform the following calculations:

Any upfront funds you spend; plus
All the finance, registration, insurance, fuel, servicing etc costs over the time you will own the car; less
Any tax benefits you are entitled to on these costs; plus
What you will be able to sell the car for when it's time to get rid of it; less
Any amount you may owe when you sell; plus
The 'Opportunity Cost' of all the above expenses

This is called Total Lifetime Cost (TLC). It is the truest and most accurate indication of how much your car will cost. Once you know the TLC, you can divide it by the number of kilometres you will travel, to work out the Cost Per Km (CPK). The CPK is great for comparing different terms as it takes the time factor out of the equation.

But... there is a problem...

It's not easy to come by this sort of information, making it hard for you to work out how much your car is really going to cost to run over the period you will own it. How can you find out what your car will actually be worth in 3, 4 or 5 years time... The only people that really know how to forecast car values are industry specialists like Redbook, but...

They don't make the information available to the public!

Without compiling these figures, you have no real indication of what a car is really going to cost you all the way up to selling it.

The TLC and CPK allow you to make an informed decision, without it you could quite easily make a poor decision that could cost you thousands of dollars. More importantly, knowing this information means you could be driving the car you REALLY want for less than you ever thought possible.

Consider the following example of an employee earning $80,000 who purchases a Holden Commodore for $41,582 and travels 25,000km per annum.

Had they salary packaged the vehicle on a 3 year term with a 46.88% residual (a common structure), it would have cost them $49,329 to run over the 3 years.

Now consider the same employee with one difference... some advice from Autopia.

Using our vehicle selection assistance, we might have suggested a Subaru Liberty at roughly the same price - $40,078. This vehicle would have cost $41,373 over 3 years.

That’s a difference of $7,956 over the period, thanks to Autopia.

Why the lower cost? Well amongst other things, it's because we’re the only salary packaging company that takes vehicle resale value and depreciation into consideration.

Where does this leave you? Well, if you want the best possible results and options that fully maximise salary packaging, you need to speak to the experts.

That's us.

Introducing Autopia!

Autopia provides a unique service that makes the entire process of purchasing and owning a car, quick and easy (we can also help you save money on your existing vehicle).

Autopia's AutoPackage product (with the help of our consultants) can give you the answers you need at the click of a button. In fact, with our web-based interface we can take you through a quote live online!

Here's how it works:

We discuss what you want and need in a car. Based on that information we will recommend vehicle and finance options to you.

Autopia Can Compare All The Options (Including Used Vehicles) and We'll Tell You The TLC! (plus the CPK)!

And the list goes on...

With Autopia, you can actually view the different quotes, for your own personal situation, live online! You can see for yourself the various options that are available to you and how much each really costs you.

If you want to save on your existing car, Autopia can show you exactly what your options are.

Our quotes lay the information out in a way that is simple and easy to understand. A consultant will talk you through the quote while you're looking at it, so if you have any questions we can answer them on the spot. We'll guide you through the entire process!

If you like what you see, we can go into bat for you and negotiate a great deal on your car. Our bulk buying power ensures the best price and fleet discount as appropriate (this won't apply if you want to keep your current vehicle).

We organise the funds to pay for the vehicle (or refinance as required). Our streamlined systems allow documents to be settled by fax and guarantees nothing gets lost. Plus, same day pickup is the norm.

You will get all the tax benefits... upfront... with nothing left to spend on the car you never have to open up your wallet. We make budgeting easy for you by paying your car expenses as they fall due. You pay us the same amount every month and the rest becomes our problem.

You don't have to worry about insurance. You're automatically covered by our fleet policy... you get a low flat rate (no matter where you live or how old you are).

Once you've got your car the only thing you have to worry about is getting it serviced on time... and... putting fuel in. You will have access to over 6,500 service stations and 9,000 workshops across the country. Anytime you get your vehicle serviced a maintenance controller ensures your car has been serviced properly and that you're not charged for something you don't need. Plus, you get all parts and labour at fleet rates, saving you up to 30-50%!

When the term is drawing to an end, we'll help you weigh up whether it's best for you to keep your car or swap it for another one. If you choose to swap it, we'll even help you get the most for it without having to try and sell it privately yourself!

With Autopia you can:

Get a more luxurious car for the same (or even lower) cost

Maximise your tax benefits (we have proprietary strategies to help you take advantage of every tax benefit possible)

Save thousands on your existing car (and use the extra money you'll have each month for something else you'll enjoy)

Get great discounts on servicing and maintenance (between 30-50%)

Never have to pay anything out of your pocket

Forget about wasting time organising your insurance... plus... you save lots of $$$ because you're covered by our fleet policy

Take it easy knowing that you have done the research and chosen the right car and structure

And when it comes time to sell, we'll even help you get the best resale price for you car!

What could be easier? We do all the work for you... and... save you thousands of dollars. Autopia makes the entire process of buying and owning a car simple.

Whether you're buying new... or want to save on your existing vehicle, Autopia can help you.

!!! Free Consultation !!!

We'll be happy to speak to you on the phone and tailor make a solution specific to your situation. We'll offer you options that you can put to use immediately, whether or not you decide to follow through with Autopia!

How much is this consultation valued at? If you were to ask your accountant to review the relevant laws (FBT, Income Tax, Luxury Car Tax, GST etc etc) ... purchase Redbook data... develop a streamlined database... program the complicated formulae and so forth, it would take him (or her) months (if not years) of work... you are talking about tens (and probably hundreds) of thousands of dollars in costs to give you the answers you need.

The reality is that accountants don't have the time to be so specialised in just one area. They won't have access to the information (or the specialised systems) required to deliver the best results. Even to do some basic calculations would be a few hours work as they would have to start from scratch... if your accountant bills at a conservative $100 per hour, you could be out of pocket $300 (or more).

When you call Autopia, we give you the specialised advice on the spot. In fact we'll be able to take you through a live quote online!

And the best part, it's a free consultation.

Your Next Step

So if you're thinking about purchasing a car (or want to save money on your current vehicle) it makes sense... to at least give us a call. We'll answer all of your questions. And there is no obligation to proceed. No ties. No commitments.

All you have to do is call our office on 1800 288 674 right now (that is 1800 AUTOPIA if it makes it easier to remember).

Regards,

The Autopia Team

PS Remember, bad advice can cost you thousands of dollars. You could overpay for your car... you may purchase a lemon... and... you may be unnecessarily paying too much in tax to the ATO. As industry insiders we see people losing lots of money everyday, only because they didn't make the simple effort of phoning an expert first.

Don't make the same mistake.

PPS To ensure we really do have ALL the answers, we consult (and have always been a client of) the leading accounting firm in the country, Ernst & Young. So when you receive advice from Autopia, just know all our methods have been screened and reviewed by Ernst & Young.

* gross pay rise based on FBT 0910 - $9,441.39