Runout Sales: Are you actually buying a brand new car?

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It’s that time of year, the run out sales are on and you pop down to the car yard to nab yourself a bargain on a runout deal. And rightly so, it’s a great time of year to purchase, if you’re careful. But not every car is such a great bargain with these deals, below are some tips to keep an eye out for.

1. Has the car been pre-registered?

Has the selling dealer already registered the motor vehicle, if so you may be missing some of your new car warranty. If the car was registered back in September, for example, you could be missing 3-4 months warranty before you even left the driveway. It’s not a problem now, but in 3-5 years as your warranty expires and the warranty doesn’t match your annual service cycle, you could be in for a nasty shock, or bill.

2. Where has the car been stored?

So, that car you have been looking at purchasing, have you considered where it has been stored the whole time? It hasn’t been “sitting” on the showroom floor the whole time as the salesperson has said. It has either been sitting on the wharf next to the ocean for six months or sitting in a “holding pen” that could either be a grass paddock or a massive car park baking in the sun, day in day out, covered in dirt and dust and who knows what else!


The oldest trick in the book, the fear of missing out. The salesman turns to you and warns, “this is the last one left, buy it now before it goes”. Is this car really the last one of these left at a huge discount? More than likely, no, it’s not. There’s probably another 10 at another dealer or even a few still left at the wharf, remember that informed decisions help make the best decisions. A rushed purchased without rational and logic will end up in possibly being a regret in 12- 24 months down the track.

4. The Build plate

When was the car actually built? The build plate is the date that the vehicle rolled off the production line, not when it was compiled and brought off the wharf “into” Australia. So, the important question to ask is, when did the vehicle leave the factory? Because a 3-month difference, for example, September to December, would be seen as acceptable, however, a 8-9 month gap isn’t. This difference can hurt or be detrimental to the resale of your vehicle and with good reason.

Cars that are popular and coming in from major manufacturing centres, such as Japan or Thailand, can often be built and compiled in a month. But take a minute and think about that car that is on special, it was built in March, compiled in December, and then left to sit around for 9 odd months which means that either the colour, engine transmission combination or specification level could now potentially be unpopular, leaving you in pickle in 4 years’ time wondering why nobody wants to buy your car.

The solution is easy, speak to an expert that deals with car dealers on a daily basis. They know every trick in the car salesmen book and know what to look out for so that you don’t get caught out 3, 4 or 5 years down the track. If five minutes on the phone saves you heartache, frustration, and headaches, it’s a simple option.

Speak to SPA to make the car buying process easier. We can put together a tailored quote customised to your situation. If you would like more information, our staff at SPA are available for you to ask a question on our chat service or simply give us a call on 1300 786 664.

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What is Salary Packaging?

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What is Salary Packaging?

Salary packaging is an Australian Tax Office (ATO) approved way of receiving benefits, such as motor vehicles, self-education expenses, airport lounge membership and many more, by way of a pre-tax deduction. You pay for these benefits before you get taxed and then get taxed on your remaining income. This means you pay less tax!

Dependent on your employer and location, you may be able to Salary Package these benefits:

Salary Packaging Benefits





Work Equipment








How does Salary Packaging work?

Salary packaging allows you to pay for certain benefit items with pre-tax dollars. You pay for these items BEFORE you get taxed. You then get taxed on your remaining income; therefore you will pay LESS tax!

By salary packaging you are restructuring the way you get paid to maximise your income and pay less tax.

When you commence salary packaging, your payroll department sends the nominated funds to SPA for disbursement to pay for your benefit item/s.


What is a Novated Lease?

A Novated lease is a tax effective way to purchase your next car. A Novated lease allows you to pay for a proportion of the lease and running costs with PRE-TAX dollars. This means you can make significant savings on your next vehicle purchase. These running costs include:

Running costs included in my Novated Lease






Roadside Assist

Novated Lease Frequently Asked Questions

How much can I save by Salary Packaging?

Your individual circumstances will determine how much you can save when salary packaging. An average tax saving for a novated lease is about $2500 per year compared to privately financing the vehicle.

To find out how much you can save call SPA today on
1300 786 664 for an obligation free quote.

I only drive a small amount of kilometres per year, is a novated lease for me?

Changes to FBT legislation mean that there is one flat rate of FBT applied to a novated lease. This means that just about everyone can benefit from a novated lease now.

What if I change jobs during my lease?

Your lease can be transferred to your new employer. Your new employer is eligible to offer salary packaging to its employees. If they don’t already offer salary packaging, SPA can help them set it up.

What happens at the end of the lease?

1. Keep the car
Pay out the residual

2. Sell the car privately
Sell the car and keep any of the profits and start a new lease

3. Trade in the car
Trade in the car and start a new lease

4. Extend the lease
Continue to lease the car with a new residual and lease repayments

 Are you really getting the best deal for your Novated Lease?

Compare your existing Novated Lease quote and see how much more you can save with SPA. When it comes to getting the best deal on your next salary packaged vehicle, speak to your local SPA Business Relationship Manager today. SPA can provide you with an obligation free Novated Lease quote and finance options for your next salary packaged vehicle. With our extensive car dealer network, you get the best possible deal on a new car and the benefits of saving tax while you pay for it! It pays to compare your quote with SPA!


Why Choose Salary Packaging Australia?

Experience counts

With over 15 years experience in the salary packaging industry, you can trust SPA to provide you with a complete explanation of how salary packaging will potentially benefit you.

Our experience has proven that salary packaging is not a one size fits all benefit which is why we have dedicated Business Relationship Managers to answer any of your questions.

Our team can provide information sessions or conduct individual appointments to discuss your salary packaging requirements. Call 1300 786 664 to book an appointment with one of our Business Relationship Managers.

SPA specialise in providing simple salary packaging solutions for employees and employers. We can manage the salary packaging for your employer and can provide the following service to you:

• Manage the set up and explanation of salary packaging for all employees.

• Process any reimbursements and expense claims for employees

• Provide account balances for employees

• A dedicated BRM and Accounts team to answer any of your questions

Contact SPA today to find out how much you can save!


Beat high fuel prices today – Save up to 60c per litre with a Novated Lease

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So, you just pulled into your local service station. The price of fuel is extortion, to say the least. At 168.9 cents per litre and that’s for 91 unleaded, if you want premium or need premium for your vehicle, there is another 10c per litre! If this keeps up, you will either have to start looking for other methods to power your vehicle or start walking everywhere.

Get a 30-60 cent a litre discount on fuel every time regardless of the exorbitant price, day or even the location.

Now, if you could in effect get a 30-60 cent a litre discount every time regardless of the exorbitant price, day or even the location, would you think it’s too good to be true? A novated lease allows this to happen, for unleaded, premium and diesel fuel.

Here’s a quick calculation:

Billy Smith fills up his Nissan Xtrail with 48 litres at a cost of 168.9 cents per litre, totalling $81.07. As part of the lease program, the GST on the lease is credited back to the employee, thereby reducing the effective cost of the fuel by 15 cents per litre or $7.20 on the tank. Because Billy is paying for the petrol under a novated agreement he also gets to pay using pre-tax income, meaning that another 32.5% is saved given the marginal tax rate saving based upon his $68,000 salary. This means another 49.9 cents saving. This, in turn, has taken his fuel cost from a bowser price of 168.9 cents to 104 cents, and a total saving of 64.9 cents per litre effectively.

When was the last time you saw fuel cost 104 cents per litre?

104c per litre was last seen 15 years ago when the Penrith Panthers actually won a footy comp, Shannon Noll was the top of the ARIA charts and Ray Martin was still hosting A Current Affair. So, next time you’re at the bowser and you’re watching those numbers spiral out of control, stop and think about spending 5 minutes on the phone to discuss your potential savings or use our online calculator, you could actually save yourself $31.15 just like Billy.


Considering fuel costs is the most significant cost of owning a car, a Novated Lease helps you save on fuel costs. Speak to SPA and put together a tailored quote customised to your situation and usage and make sure that you aren’t overpaying at the bowser. If you would like more information, our staff at SPA are available for you to ask a question on our chat service or simply give us a call on 1300 786 664.

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Kia Rio Car Review: Built to last

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Are you looking for a low-cost option as a second runabout car for the family? Or maybe a first car for your son or daughter?

Look no further, at only 15k, the Kia Rio is the battlers bargain. While the Kia’s price range used to be synonymous with the bare basics, the new Rio gives it’s low-cost rivals something to be worried about. Head into your local Kia Showroom, there is a Kia Rio waiting for you to get behind the wheel.


Total Confidence with Kia Rio’s 7 Year Warranty

Before you scoff or spit your tea and coffee across the kitchen table, consider warranty. On a Novated lease, this car on road for an automatic with 7 years warranty is under 15k. Now think about what you would get second hand for 15k? A 3-year-old Corolla, albeit slightly larger, but it will have 60,000kms on the clock or the similar in a Mazda 3. In the hands of a gentle adult who will caress the transmission and make sure the engine doesn’t redline, this car will last a number of years. However, put your 18-year-old son in the driver’s seat, leaping tall gutters in a single bound, suddenly that 7-year warranty is your saviour.


More knee room than you expect

Considering the Rio’s small capacity, the Rio is spirited drive and it’s road handling and manners equal anything coming out of Japan that cost 5-10k more. The boot and seating arrangement will easily take to fully grown adults in the passenger and driver seats and a few small children in the back.

Whilst it might not be the fastest drive or best looker on the market, it is tough and reliable and built to last, otherwise, the manufacturer wouldn’t put an 84-month warranty on it. Just take a second to think about it, what were you doing seven years ago?  Clearly, this car has been designed to last. So, take a peek, maybe even a second look at the Kia Rio, it may just be the next car you buy.


Do you want to get a deal on a Kia Rio? Click on one of the buttons below to check out our deals or to see your tax savings with our online novated lease calculator. If you would like more information, our staff at SPA are available for you to ask a question on our chat service or simply give us a call on 1300 786 664.

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Hyundai i30 Elite Review: Perfect balance of simplicity, comfort and responsiveness

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Hyundai, pure and simple, I take my hat off to you.

I drove your i30 Elite for 24 hours and almost fell in love. And this from someone who normally only drives a car if it has a minimum of 300hp.

Your car was easy to use, it was well equipped and got the job done. There was no need for a 5 minute Google on how to use the sat nav. All that was involved was for me to plug in the Apple CarPlay and away I went. The simplicity was refreshing.

The i30 has every feature a new first car buyer wants from sat nav to folding electrical mirrors.

It’s on-road handling for a Korean car is immaculate and gives enough feedback to let the driver know there is an issue or poor surface below. A far cry from some of the Japanese built and supplied products, such as the Corolla, which is as vague as Alan Bond on the witness stand.

The boot easily took two suitcases and still had plenty of room for rear passengers who had no need to practice backseat yoga.

With all the latest reports about a dying large sector, it’s easy to see why. The i30 had room, enough get up and go and a price tag that is 15k cheaper than the full-size large sedan which has been going through an ongoing slow death that some manufacturers have been trying to revive and resuscitate for a decade. Carmakers take note, 15k is 15k. This price means less depreciation, less risk, the cost per month on finance is less, and more than likely, better resale value over the life of the car.

Are you in the market for a new car or a second car as the daily driver from work and back? This car won’t disappoint. So much so, that I might just head down for another test drive this weekend!

Click on one of the buttons below to check out our Hyundai i30 deal on our Novated Lease page or the great deals that we have arranged with one of our prime lenders. If you would like more information, our staff at SPA are available for you to ask a question on our chat service or simply give us a call on 1300 786 664.

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Regional & Remote Area Employees: Avoid Payment Summary Shock

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Wow, the year has gone by fast, with only another twenty-four Tuesday’s till Christmas. Apart from the cold weather, the Origin and the lack of motivation to go outside and get moving, there is one thing on everybody’s radar, Tax time. And therefore, with this comes Payment Summary Shock, or PSS, as it’s known in accountant circles. Symptoms usually seen or associated with this conundrum are bewilderment, the occasional piece of blue language and ultimately, frustration.

Most people take their Payment Summary into the accountant to file a return and are often met with the accountant shaking their head and being told that there is nothing they can do about the hideous amount of tax they have just donated to Scott Morrison and Uncle Malcolm.

Strangely enough, there is something you can do to change this and this time of year can be a great time to motivate yourself. Don’t let Payment Summary Shock strike again, find out about the various tax saving benefits that employees all over the country could utilise to reduce the amount of income tax you pay. The type of benefits that could be available to you is dependent of the industry you work in and your employer but that is where we, a full-service Salary Package provider, come in to help you through the process.

Are you taking advantage of the extra incentives on offer by working in regional Australia?

You may have the ability to pay your housing and electricity costs in your gross income and, therefore, potentially reduce your taxable income.

Have you had to move location for your work?

You could potentially save on all the selling costs of your home, including the pesky real estate commission, and get up to 12 months rent tax-free.

Did you live away from home during the year for work? Did you claim all of your living costs and rent tax-free? Did you use your own car to get to the mine site camp, or worse, paid for your own flights out of your own pocket?

These are just some of the ways that can help you avoid the dreaded PSS. You have missed out on potentially thousands of dollars that could have been unlocked and instead used for better things, like your family or your next holiday. That’s right, there is no gimmick here, no shonky investment loan schemes. These are genuine ways to save on items that you are already paying for, you’re just missing out on the opportunity to maximise your take-home pay. All that can change today.


Our staff at SPA help you sensibly and legally minimise your tax so you don’t pay more than you should. To find out your potential benefits click on one of the savings calculators, ask a question on our chat service or give us a call on 1300 786 664 and find out how you can stop donating money to those who don’t understand how hard it is to make in the real world. Best of all, you may even significantly reduce your Payment Summary Shock next financial year.


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Can YOU get the best deal at End Of Financial Year sale time?

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It’s almost June and all the car dealers and manufacturers are out spruiking their wares and dangling incentives to get you into the showroom.

But are you able to get the best deal when you’re up against a seasoned car salesman?

with can you get the best deal when you the is it really the best time of year to buy that new car or is it all just hype?

As an industry insider with access to all the info, we know it can also be a time when car dealers rub their hands together and try to shake down the average punter for everything they’re worth. Yes, you are more likely to get a better deal during this time as car dealers are frantically trying to meet yearly sales targets and clear outdated stock but really, do you stand a chance against a seasoned car salesman to get the best possible deal?

Let’s take David as an example:
He is 32 years old, he bought his first car at 18 and now he’s onto his 5th car. The second child is on the way and he needs a bigger car. David’s first new car was at the age of 28 after that first big promotion and now it’s time to update it so he can fit the whole family. In theory, David has done the driveway dance with other unskilled negotiators for his first few cars and a fifth time if you include the house he bought last year, but don’t get me started on that industry!

The new car salesman at the dealership, Terry, is 52 and as per most typical salespeople, he has a bad haircut, a little too much aftershave and is slightly condescending. Realistically, Terry has probably sold on average 15 cars per month for the last ten odd years, which is approximately 1800 over his career.

What chance does David have against Terry of truly getting the best deal? Zip, buckley’s, nada or none is the correct answer. It could be compared to the QLD origin team playing a local park footy team and losing. Even without Cam, JT and Cooper, the locals wouldn’t stand a chance.

There are some genuinely great people in the motor industry, but as always, they are out to do a job and get a cheque. Sometimes it makes sense to hand some of life’s tasks over to a professional. You wouldn’t do your own electrical work in your house unless you were qualified, so why the hell would you look at spending 30, 50 or even 80k at a dealership without enlisting a professional.

If it could save you a few hundred or thousand, 10 minutes and a second opinion is well worth the investment.


If the idea of going head to head with the dealers is daunting and you’re ready to get a great deal, call Salary Packaging Australia on 1300 786 664 and we can do the hard work for you. Our team of Novated Leasing experts are available to answer any questions about your choice of vehicle and how to keep more money in your wallet.

Do I have to work in government to take up a Novated lease?

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A common question we get at SPA is “Do I have to work in government to take up a Novated lease?” We want take a moment to clear up this misconception.

Novated leasing has been favoured by many levels of government for the last 15 years. But unbeknownst to many people, all companies can set up novated leasing for their staff. Many in payroll find the task daunting when trying to run the program internally, due to remembering to pay a staff members rego or re-imbursement of fuel receipts etc. Most payroll officers simply don’t have time for a cup of tea let alone another 5 hours of work every week.

SPA is an outsourced fleet management and accounting service for your employees. In layman’s terms, your payroll team only need to follow up a few basic steps and SPA can do the rest. The steps are:

1.      Payroll will set up deductions for each payroll cycle.
2.      SPA sends a deduction request sheet
3.      Payroll send deduction amounts to accounts payable who then sends funds to SPA
4.      SPA takes care of everything else!

Only 4 steps to step up novated leasing for your staff – it’s as simple as that! If your payroll team can’t fulfil these sorts of tasks, it might be time to look for a new payroll officer.

There is nothing tricky, hidden or secretive. All the reporting and spreadsheets are done for you. It is really that easy.

Most employers should be able set up and run this for their staff, whether you are in mining, education, financial service or hospitality industries. These are simple items and do not take a great deal or effort per pay cycle and can even be set up as an automated deduction at the employer’s request to make it even less time consuming.

So, ask your yourself. Is your employer doing the best for you?


In the meantime, you can get an instant online quote and see our current vehicle deals by clicking the button below. If you have any questions about novated leasing, talk to the team at SPA by calling 1300 786 664 .



WIN State Of Origin Game 3 Tickets with Salary Packaging Australia

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Why watch game 3 on TV at home when you can win a STATE OF ORIGIN Game 3 package and be a part of the action at Brisbane’s Suncorp Stadium on 11th July, 2018. All you have to do to go into the draw is submit a quote request via phone, email or in person for any SPA provided benefit and if you are a QLD resident, you could win!!

This STATE OF ORIGIN prize package includes:

  • Two Platinum Tickets to State of Origin Game 3 in Brisbane
  • Return Flights to Brisbane*
  • 1 Night accommodation at Rydges Southbank
  • Limo transfer from Brisbane Airport to the hotel
  • $300 spending money

QLDers look after QLDers!! The team at SPA has your back, helping you save and pay less per week. Don’t send your money South of the border, get a novated lease from a local, Brisbane based company. Get your quote now to be in the running for this great STATE OF ORIGIN package.




Competition runs from 4/5/2018 at 8am until 22/6/2018 at 2pm (AESDT). To enter the competition, a participant must submit a valid quote request via phone, email or in person for any SPA provided benefit and provide legitimate contact details, including name, phone and email. This competition is only eligible to QLD residents. The prize winner will be drawn by random selection by the General Manager of SPA at 3pm on 22nd June 2018. The prizes include 2 x platinum tickets to State of Origin Game 3, 1 night accommodation at Rydges South Bank, return flights within Queensland* (if flights are not required, SPA will negotiate an additional prize), limo transfer to and from the airport and $300 spending money. SPA appreciates the importance of confidentiality and the individual’s right to privacy. We are committed to protecting one’s personal information in accordance with the National Privacy Principles. For further information regarding our policy visit

Salary Packaging Australia Pty Ltd ABN 53 009 643 485

Salary package your bus fare for travel to and from work

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Have you ever wondered why we have to pay to get ourselves to work? That extra $90-100 per week is an absolute killer. But did you know that you can Salary Package your bus fare that gets you to and from work?

With SPA’s bus travel benefit, you can pay for your bus fare using your pre-tax gross income.

It works just like a go card and is loaded up with cash using pre-tax dollars from your salary. The Bus Travel Benefit has no limit to the amount you can salary package, as long as the journey is to and from your work and the card is automatically topped up, again, with pre-tax dollars, to help you stretch your salary that much further.

Here’s an example:

Sally makes approximately $85,000 a year and pays bus fares of around $39.00 a week travelling between her home at Chermside and work in Brisbane CBD. Using the SPA bus travel benefit, she can save almost $25.00 a week, which is $1,300 a year! Imagine what you could do with that money. Sally could put that $25.00 a week to her coffee budget, Christmas presents, or it could go towards the power bills. Over the course of 3 years, Sally could be $3,900 richer!

So, while you’re on that dreaded bus ride to and from work, think about how much you save and I promise your ride will be much more enjoyable.


The bus travel benefit is eligible to any employee whose employer offers this benefit to them. Talk to SPA to find out if you are eligible for the Bus Travel Benefit card. To calculate what your savings will be when salary packaging your bus fare, click the button below to use our online calculator.