Lamborghini enters the luxury SUV race

Renowned for its supercar status, Lamborghini is the latest brand to enter the luxury SUV market. Powered by a 478kW, twin-turbo V8 engine and hitting 100km/h in 3.6 seconds, the Urus is an SUV track aficionados can be proud of. Here are the specs to take note of.

Braking power

With 440mm front brake discs, the Urus has the biggest brakes of any production car, enabling it to stop its 2.2-tonne mass in 33.7 metres from a 100km/hr speed. At just over five metres long, it’s a beast on the streets, but thanks to all-wheel steering turning the back wheels 3 degrees in and out, it boasts a smaller turning circle than the Huracan sports car.

Adapted to every environment

Size notwithstanding, the design team has worked hard to keep the Urus’ centre of gravity as low as possible, and have added six drive settings, including street, snow, gravel and sand. Steering is as smooth as expected, and gear changes from the eight-speed box are effortless and bump free.

Creature comforts

Driver’s display, eight speakers, a dual screen infotainment system complete with Apple CarPlay, Android Auto, Bluetooth, USB connectivity and DVD player all come as standard. A whopping 616 litres of luggage space expands into 1596 litres while 12-way power-adjustable seats with heating and memory ensure a memorable front seat ride.

Buyers have a choice of exterior paints, interior colours and finishes and additional driver-assist tech like a 360-degree camera system, as well as alloy wheels ranging from 21 to 23 inches.

Prices and availability

Pricing kicks off at $390,000 before on-road costs, with the first Australian deliveries arriving in the fourth quarter of 2018.

Car depreciation – What is it and how can I avoid it?

Did you know your new car loses 10-11% of its value the moment you drive it out of the dealership? In fact, according to consumer watchdog Choice, new cars depreciate by an average of 14% in the first three years of ownership, then up to 8% after that. Thankfully, there are some simple ways you can minimise your rate of depreciation while maximising your resale value. Here’s how to make the most of your four wheels over the long term.

Buy smart

The more desirable a car is, the slower its rate of depreciation. Research shows Australian buyers are more likely to buy silver, grey, white or black cars, while auto transmission models are far more popular than manuals. Brand awareness also plays a key part, so look for more popular brands with an established market presence (e.g. Toyota vs Great Wall).

In the small car market, the Toyota Yaris, Honda Jazz and Mazda2 hold their value well, while Mazda6, Honda Accord and Volkswagen Passat perform well in the family car class. It’s also worth buying old stock at the end of a calendar year, that way the drop in value isn’t quite as steep as with a newly released model.

Drive it like you own it

Taking care of your car pays off over the long term, so keep the interior and exterior in good nick. Take care of any scratches, dings or dents straight away and store it in a garage whenever possible. While you’re at it, stick to the prescribed service schedule and keep detailed records for future resale purposes.

Consider nearly-new

If you’re serious about avoiding depreciation, look for a car that’s already experienced the first sharp drop in value. Own and drive it for the following three to four years, then sell it at the six to seven year mark. That way, it’s still relatively new when you get your hands on it, but if kept in good condition, will remain attractive to prospective buyers when it’s time to on-sell.

Shop around

Whether you’re buying new or nearly new, you want to get the best possible deal. For most buyers, that means getting a good deal on the car itself, as well as the finance required to buy it. The lower your rate, the better off you’ll be, so take the time to speak to the experts (like us) and you’ll lose less over the long term.

Ready to get started but don’t know where to start?

Don’t stress, we’re here to help! Along with helping you select the right make and model for your needs, we can help you sort out the car finance that suits you down to the ground. For more information, give us a call and we’ll help you start sorting through your options today.

Mercedes introduces the new X-Class Ute

With Mercedes releasing their new X-Class line-up, the Australian luxury utility market is in for a serious shake-up. Competing with the likes of the Amrok, Nissan Navara and Ford Ranger Raptor, its 13 variants start at $45,450 and are set to redefine the workhorse of the motoring world as we know it.

Three grades of tough, luxury power

Available across three grades – entry level Pure, mid-spec Progressive and the flagship option Power – the new X-Class comes with a six-speed manual or seven speed auto transmission.

Pure and Progressive grades come in dual-cab form, with a pick-up or cab chassis body style, while the Power is available in pick-up form only. Initial offerings come with two 2.3-litre four-cylinder diesel engines (a single-turbo X220d with 120kW/403Nm or a twin-turbo X250d with 140kW/450Nm), with a 190kW/550Nm 3.00litre turbo-diesel V6 joining the line-up in mid-2018.

Breaking the mould

Rather than starting from scratch, Mercedes have designed the new range around the world’s third best-selling pick-up globally, the Nissan Navara. But don’t be mistaken, the X-Class is no cookie cutter reproduction model.

With a stronger chassis, an extended track and a wider body, the new variants showcase a unique bodywork. A bespoke interior, recalibrated suspension dampers and ventilated disc brakes nudge it into a higher class, while a five-star ANCAP rating, ABS, tyre-pressure monitoring and reversing camera (pick-up only) ensure a safe and reliable ride.

Built for comfort

Thanks to superior noise suppression, the X-Class is the quietest in its class. Superb suspension ensures even bumpy rides level out, while weight in the back provides a seriously car-like drive. A factory bullbar and nudge bar are under development specifically for the Australian market, and it’s hoped their arrival will coincide with the introduction of the six-cylinder option later this year.

Air-con and cruise control are standard, while tech needs are taken care of thanks to a 7.0-inch Audio 20 CD multimedia system with Bluetooth phone and audio streaming, USB connectivity and four speakers.

On the downside, there are no standard accessories for any model, with bed liner/cargo liners, soft tonneau, canopies, hard lid and roller covers all available for extra.

Prices & specs

The X-Class range is available now and starts at $45,450 and goes up to $64,500. All models come with a full-size spare and can tow up to 3500kg and take 7.4L-7.9L of petrol per 100km.

If you are interested in the new X-Class, please contact our consultants today, and your finance can be arranged before you walk into the dealership. If dealerships aren’t your favourite place, ask about our free Car Buying Service to get the best deal from the comfort of your own home.

EOFY – The best time of the year to bag a car bargain!

Thanks to oversupply and stocktakes, EOFY is one of the best times to buy a new car. Here are 3 proven tips and tricks to rely on, along with some of the most common pitfalls to avoid.

1 – Plan ahead

EOFY deals are only on the table until July 1. After that, it’s business as usual, so take the time to do your research and sort out your finance before you hit the showrooms. That way, you’ve got time to consider multiple options without succumbing to the pressure last minute buying can bring. It’s also worth remembering that delivery on new cars can take up to 6 weeks, so getting started sooner rather than later is always a good idea.

2 – Don’t be afraid to bargain

Dealers are in the game to make money, so it pays to remember that as great as that EOFY offer seems, it still contains a built-in margin. With that in mind, don’t be afraid to ask for an even bigger discount. If your dealer can’t (or won’t) go down on price, see which optional extras they’re prepared to throw in to sweeten the deal. Conversely, you can also ask about which optional extras they’d be prepared to discard to bring your costs down.

3 – Read the fine print

Some deals look great on the surface, but when you get down to the details, they don’t always stack up. To ensure you’re not getting taken for a ride, take the time to read the fine print and don’t let slick sales talk lead you astray. Pay particular attention to delivery costs and finance deals and ensure any ‘additional extras’ aren’t reflected in the ultimate purchase price.

Work with the experts

With fleet buying power and financial savvy on our side, we can help you find the EOFY deal that’s the perfect fit for your budget and your lifestyle. We know all the tax time tips that’ll ensure you get maximum bang for your buck and have access to deals you won’t get as an individual buyer. To find out more, get in touch with us today.

Everything you need to know about balloon payments

When you’re navigating the sometimes tricky world of car finance, terms like ‘balloon payment’ can really throw you for a loop. If you’re thinking about getting finance to buy a new car, these are just some of the simple facts you need to know.

What is it?

A balloon payment – also known as a residual payment – is a once off lump sum payable to your financier at the end of your loan term. It’s calculated based on the depreciated value of your asset at the end of your loan and may be represented as a dollar figure or as a percentage of the total amount borrowed.

Why might you want one?

By attaching a balloon/residual payment to your car loan, you decrease the amount payable each month. By reducing your monthly repayments, you can potentially take out a larger loan and upgrade to a vehicle you may not have been able to afford if you were buying outright.

When is it payable?

Balloon payments are due at the end of the loan and must be paid in a lump sum. However, subject to approval, you can also refinance or ‘roll over’ the payment into a new loan, or sell or trade in your vehicle and use the proceeds to pay out the balloon payment and/or refinance a new loan.

What are the limits?

The size of your maximum balloon or residual payment depends on a range of factors and may include the age of the vehicle being purchased, the loan term, the type of loan and the borrower’s financial profile.

Ideally, you want your balloon payment to be less than or equal to the value of the vehicle when the balloon payment is due. That way, if you want to get a new vehicle at the end of the loan, you won’t be left out of pocket (and may even come out with a deposit to put towards your new vehicle).

Want to know more?

At Melbourne Finance, we’re experts in car financing and can tell you everything you need to know about balloon repayments. Browse our website or get in touch to learn more.

Self-driving cars – A safer alternative?

Thanks to Uber’s misadventures, self-driving cars have been hitting the headlines lately. But how much do we know about how they work and are they truly all they’re cracked up to be?

How it works

Self-driving cars are built around a sophisticated combination of three separate technologies – sensors, connectivity and software/control algorithms.

Sensors

We’re already familiar with sensors thanks to advanced safety features like blind-spot monitoring, lane assistance and forward collision warning. Throw in sensors for radar, ultrasonics and cameras and you’ve got all the tech you need for fully autonomous driving.

Connectivity

When it comes to safe self-driving tech, the devil is in the data. Connectivity supplies all the info self-driving cars need to keep us safe on the road – things like the latest traffic, weather, surface conditions, construction, maps and road infrastructure.

Software

Last but not least, software/control algorithms capture the data from sensors and connectivity and make decisions about steering, braking, speed and route guidance on our behalf. Given the unpredictability of the driving environment and the number of scenarios the software must take into account, this is by far the most complex part of the self-driving equation.

Pros

Supporters of self-driving cars argue they’re safer than we humans will ever be. They’re not easily distracted, don’t act on impulse and aren’t unduly affected by stress. Other obvious pros include a reduction in traffic accidents and drunk driving, easy access for older and disabled drivers and more traffic on the road thanks to sensors allowing cars to travel more closely behind one another.

Cons

Besides the legal minefield of who is responsible in the event of an accident, other cons include cost, providing adequate security against potential hackers and weather conditions wreaking havoc on sensors located on the exterior of the car.

Whether you’re in or you’re out, self-driving technology is destined to become part of our future. The only question that remains is how long it’ll take to become our ‘new normal’.

Introducing the Ford Ranger Raptor

The new Ford Ranger Raptor’s covers have been taken off and it’s got everyone’s attention. Like the F-150 Raptor before it, it has been extensively developed, factory-built and factory-warranted. It’s the off-road performance truck you’ve been waiting for and Ford means business.

Looks that thrill

With pumped front and rear guards house wider tracks at both ends and bespoke alloy wheels wrapped in off-road tyres, the new Raptor certainly looks the business. An imposing new grille adds to the rugged look and is set to take everything nature can throw at it. A two-stage powder and grit process on the running boards ensures high-level protection from scratches and stains while extra under-body protection helps to keep expensive components from damage. Colour choices of Conquer Grey, Frozen White, Lightening Blue, Race Red and Shadow Black guarantees everyone’s aesthetics will be satisfied. Throw in lightening blue stitching, leather-accents and a heated leather steering wheel and it’s a beast that won’t be confused for anything else.

Proven performance

The more aggressive look isn’t just for show. Those new alloy wheels hide larger brakes and suspension is now replete with Fox Racing Shox for significantly improved control and capability off road. Ahead of the new 10-speed auto transmission is an equally-new 2.0lt bi-turbo diesel engine, generating 157kW of power and a whopping 500Nm of torque, allowing for improved performance across a greater range of conditions. Driver assist tech like Terrain Management, trailer sway control and roll-over mitigation are all included and recalibrated to help ensure safety.

Intelligent tech

A reverse camera is standard, along with an 8.0-inch touch screen enabled SYNC 3 infotainment system complete with voice control, sat-nav and Bluetooth connectivity. An Intelligent Access key with remote start is included, along with the EZ Lift Tailgate which Ford claims reduces your lifting effort by 66%. According to Ford’s Performance Chief Engineer, Jamal Hameedi, it’s a motorcross bike and ATV rolled into a pick-up truck and will be a unique offering in the Australian market when available in the latter half of 2018.

Coming to a showroom near you

You can expect to see the new Raptor in showrooms late in the second half of 2018. Prices haven’t yet been released but are expected to hover around $80,000. Watch this space for more details.

5 steps to the perfect test drive

A test drive shouldn’t just be an opportunity for sales people to perfect their prattle. Take control and stay firmly in the driver’s seat with this handy guide.

1. Do your research

Whether you’re holding onto it for 5 or 15 years, a new car’s a big investment. To ensure you get maximum bang for your buck, take the time to research your options. Stick to your budget and pay attention to the deals and incentives currently on offer. Sort your ‘must haves’ from your ‘lust haves’ and make sure you only test drive the cars you both want and can afford.

2. Pay attention to first impressions

Unless you’re made of money, your new car’s going to be your main ride for at least the next 3 to 5 years. So pay attention to the little things. How comfy are you in the driver’s seat? How easy is it to get in and out of the car? How heavy are the doors? If you’re ferrying a family around, how easy is it to get everyone in and out of the car? Little niggles can become big ones over time so if your first impressions don’t match up, scratch the car off your list and move on.

3. Put the pedal to the metal

Driving around the burbs might make up the majority of your driving experience, but it pays to know how your potential new car performs at speed. So don’t restrict your test drive to the 60 km/hr zones. While you’re at it, try out the side streets, car parks and less than optimal road surfaces to ensure you get a feel for how the car performs on a range of terrains.

4. Press the buttons (all the buttons)

How easy is it to use your phone, crank up the tunes and access your GPS while driving? Are the controls for air-con within easy reach? How do you operate the fancier tech like lane assist and how the heck do you turn on the lights? Is the car a European model with the indicators and windscreen wipers the opposite way around? If taking care of the ordinary stuff like indicating and defrosting your windscreen is too hard, it might be time to go back to the drawing board.

5. Resist the sales pressure

We don’t always like to admit it, but buying a new car is an emotional experience. Sales people know this and will try every trick in the book to get you to buy while you’re on a post test driving high. Resist the lure of FOMO and take your time to consider your options. Restrict your impulse buys to chocolate at the checkout counter and you’ll be better off in the long-term.

If you loved the test drive but bargaining with dealerships isn’t your thing, leave the negotiating to us. We offer a professional Car Buying Service that could save you thousands off the purchase price with our tendering process and fleet discounts. Contact us for information today.

Novated leasing – how does it work?

Whether you’re an employee or an employer, novated leasing is one of the most tax effective and flexible ways to finance your next car, saving you considerable money on tax and GST. Here’s how it works and why it’s worth considering.

If you’re an employee

Fleet discounts on the price of the car, servicing and tyres are just some of the benefits on offer with a novated lease. A novated lease allows you to use some of your pre-tax dollars to pay for running costs, allowing you to save an average of $4,132 per year, making a novated lease one of the most financially sound ways to purchase and run your next car.

So how does it work?

It’s simple: you choose your dream car and our sister-company, beCarWise does the rest. They tailor a quote for you and once you’re approved they take care of the details and the setup with your employer; payment of the lease and running costs is done with a simple, regular payroll deduction.

As a beCarWise customer, you’ll also benefit from:

• Savings on GST payable on the purchase price, repayments and running costs of your new car;
• Discounts on servicing, tyres and batteries, along with an easy-to-use fuel card;
• Monthly driver reports allowing you to keep track of how your budgets are going with at-a-glance ease.

Choices, choices, choices

Under a novated lease, you have the flexibility of a new, used or existing car and a choice of term from 12 to 60 months. Additionally, when your lease is up you can choose to keep and re-novate for an additional term, pay out and keep your vehicle, or trade up to the latest and greatest.

You can also have more than one lease at a time, use your new car for business or personal purposes and often don’t need to drive a set number of kilometres over the life of the lease.

How does it work for employers?

It’s easy as 1, 2, 3…

Step 1. beCarWise procures the employee’s car of choice at fleet discounts not available to individual buyers. They work with them to tailor a package that suits their needs.

Step 2. They work with your payroll department to create the payroll deductions and assist your business with the setup process. They handle the setup, determine the deductions and supply you with easy-to-understand information to get things underway and they’re always on hand to answer questions you may have.

Step 3. You reduce your company tax, reward your employees and become an employer of choice with greater staff retention and reduced turnover costs. With employees saving an average of $4,132 on average per year, it’s one of the easiest ways to keep your employees happy.

Want to know more?

beCarWise is a nationally recognised expert in novated leasing, they have the knowledge and experience you need to make an informed decision. Give them a call on 1300 734 500 to learn more, or visit www.becarwise.com.au to calculate your savings today.

The new ZB Commodore – how does it stack up?  

With the closure of Australian manufacturing plants and the move to becoming a fully-imported brand, Holden lovers could be forgiven for feeling slightly nervous about the release of the new Commodore ZB. The new model represents a big change, becoming a European-sourced car for the first time in the nameplate’s 30-year history and available with a turbo-diesel engine for the first time ever.

Expanded range and new engine options

The new Commodore is available in three new body styles – a liftback, station wagon (Sportwagon), or high-riding station wagon (Tourer). The range encompasses a 2.0-litre turbocharged four-cylinder engines (petrol and diesel) or a 3.6-litre naturally aspirated V6 engine (petrol only). Petrol-powered versions now enjoy a 9-speed automatic transmission aiding performance and economy, whilst turbo-diesel versions receive an 8-speed auto.

Never seen before tech

Keen to keep the punters happy, Holden has added a host of new tech to the range including Autonomous Emergency Braking (AEB), lane keep assist and Apple CarPlay and Android Auto. Features on higher models include a 360-degree camera, heated and cooled massage seats, matrix LED lights and wireless phone charging.

On RS and RSV Sportwagon models, you’ll also get a power tailgate and, thanks to an LED light that projects the Holden logo onto the ground, you’ll always know where to put your foot to open the boot.

Impressive interior

The Commodore has long enjoyed a reputation as a spacious car and the new model delivers on old promises, but with a few compromises. Dimensionally, the new model sits somewhere between the VT and VE Commodore. Although head and shoulder room has reduced slightly over its VF predecessor, ZB Commodore delivers the same amount of knee room, helping to deliver that all-important sense of space and comfort.

The cabin is airy and spacious with a slew of storage options, while the quality of materials and finish ensure an upmarket, luxury feel in keeping with the new car’s European origins. Roomy enough to still be considered a large car, it remains an excellent choice for families and those not looking to slot into an SUV.

Availability

The new Commodore is in showrooms across the country now. Prices begin at $33,690 for the LT 2.0-litre turbocharged petrol option and go up to $55,990 for the VXR V6 AWD. And remember, if you’re in the market for a new car, give us a buzz. Our dedicated team of car enthusiasts can hook you up with the right finance and deals you won’t get walking in off the street.

Driving to make a difference – Electric & Hybrid cars

Previously the realm of science fiction, electric and hybrid cars are now an everyday reality. But how exactly do they work? What’s the difference between the two, and which one should you buy? We’ve got your basic breakdown right here.

Electric cars

Just as the name suggests, electric cars are powered by an electric motor (or two). Rather than being powered by petrol or diesel, they use energy stored in rechargeable batteries which are recharged can be charged by household power point, though some manufacturers offer higher-capacity chargers that can be installed in your home or in the case of Tesla, their Superchargers for even faster charge times. Being electric, they don’t produce any tailpipe emissions, reduce our ongoing dependence on oil, and can be cheaper to run. They’re also especially quiet to drive, with substantial performance to boot.

Hybrid cars

Combining a petrol or diesel engine with an electric motor and a battery, hybrid cars are precisely that. More efficient than their conventional counterparts, they require less petrol or diesel to run and subsequently produce less emissions. There are currently 3 different types of hybrids on the market – parallel, range extender and plug-in hybrids. Although they all work slightly differently, they drive much the same as a conventional car. They also come with a range of power modes, enabling drivers to choose either maximum efficiency or performance, depending on the driving conditions.

3 options to consider

Hyundai Ioniq

Arriving in Australia soon, the Hyundai’s Ioniq will have the Toyota Prius firmly in its sights. However, unlike its Japanese competitor, Hyundai is hoping the Ioniq will be available in Australia with regular hybrid, plug-in Hybrid (PHEV) and pure electric versions to appeal to more customers. Hyundai’s eco offering will also come with a dual-clutch gearbox (hybrid models only), promising a sharper drive without the “rubber band” feeling that comes with the CVT transmissions that are typical of the hybrid breed. Pricing is expected to open Around $35,000 for the regular hybrid, rising to almost $50,000 for the pure electric model.

Toyota Prius

The darling of the eco and Hollywood set, the Toyota Prius is now in its fourth generation and maintains its position as the world’s best-selling hybrid vehicle. The value proposition and driving dynamics have been improved over its predecessor and sharp and distinctive styling ensures it won’t go unnoticed. It comes with a suite of technology, a fresh interior design and proven reliability. With lots of mod cons you’d expect like active cruise control, pre-collision safety system and LED headlights, those after an eco-focused driving should have the Prius on their shopping list.

Tesla Model 3

Set to land in Australia in early 2019, the Model 3 will bring Tesla into the most hotly-contested luxury segment – the compact sedan segment currently dominated by BMW’s 3 Series and Mercedes-Benz’s C-Class. Pricing is expected to be comparable to those competitors, starting around the early $50,000 mark, plus on-road costs. However, whilst the pricing is similar, the performance is in another league. Even in the base spec, this sexy looking sedan dispatches the 0-100km/h sprint in only 5.6 seconds, humbling all but focused performance machines.

7-step guide to caring for your car

Cleaning your car doesn’t just keep it looking good, it also makes it easier to maintain and, later on down the line, easier to sell. Here are the 7 steps you need to follow to keep your ride looking super slick.

Step 1 – Always read the label

Before you get busy with your car cleaning chemicals, read the label. Application methods vary from brand to brand and car to car and using the wrong product (or using the right product the wrong way) could cause some serious damage. We also recommend you invest in some microfibre cloths – keep separate ones for paint, wheels and windows and give them a wash after every use.

Step 2 – Rinse

Before you put pad to paint, it’s a good idea to park your car in a shady spot and give it a top-down rinse first. Rinsing your vehicle first with a high-pressure hose (or a high-pressure washer if you have one) helps to remove dirt and contaminants that can get caught up in your sponge or wash mitt and scratch the paint.

Step 3 – Wash

Next you want to grab a good quality car was detergent (household detergents can often contain harsh chemicals that can damage your vehicle’s paintwork) and start working from the top of the car down in sections and rinsing as you go. We also suggest a separate cloth or to clean door sills and exhaust tips as these can be especially dirty. Once you’ve washed and rinsed the vehicle, use a chamois to dry the vehicle off to help avoid water spots.

Step 4 – Prep your surface

After your car has had a good clean, you may notice scratches, swirls and oxidation in the paint that washing can’t remove. A clay bar is an effective, gentle way to remove more stubborn contaminates from the paint surface, restoring smoothness to the finish. For scratches and etching under the surface, you can use a compound applied by hand with applicator pads or a dual-action polisher, being careful to follow all instructions.

Step 5 – Polish

Polishing is an optional extra and can be done by hand or with a dual-action polisher. For dark coloured vehicles, it’s particularly effective as the conditioning oils add depth of colour and maximum gloss before waxing.

Step 6 – Wax on, wax off

Waxing protects your car from UV rays that can fade your finish, as well as anything that may land on the paint. You can go with a carnauba or polymer wax – both perform the same way but a polymer wax can usually be wiped off soon after application and won’t haze as it dries.

Step 7 – Windows and wheels

Steer clear of Windex and other household glass cleaners as they can damage your window tint. Instead, use an auto window cleaner, wiping down twice to ensure the cleaner is properly removed. For your wheels, use the cleaner formulated for your type of wheel. If you’re not sure, pick the least powerful version which can be used on all types of wheels.

And that’s it, you’re done!

Volvo’s XC60 – 2018 Wheels Car of the Year

Zooming past a field of 22 contenders, the new Volvo XC60 has scooped the coveted Wheels Car of the Year Award for 2018. Employing Volvo’s latest design language, the XC60 is Scandinavian design through and through with clean, chiselled lines that are unmistakably Volvo and propel its mid-size SUV into a true stand-out. Sporting Volvo’s latest range of turbo petrol and diesel engines, the XC60 is both easier to drive and kinder to the environment. The clean-sheet and contemporary design carries through to the lush interior with outstanding materials and quality that give an air of sophisticated luxury that’s easily a match for its German rivals, whilst remaining distinctly Swedish.

Power to the people

In keeping with Volvo’s drive for efficiency, the XC60’s powertrain options borrow from its big brother, the XC90. Gone are the days of thirsty six-cylinder engines and in come Volvo’s latest family of petrol, diesel and hybrid powerplants that opens with the D4 (diesel) and T5 (petrol) twins, moving up to the flagship T8 hybrid, which promises 100km/h from a standing start in a hot hatch-humbling 5.3 seconds. At the same time Volvo claims a miserly 2.1 litres per 100km’s for the hybrid powerplant.

Confidence, comfort and connection

The XC60 has been designed to be a family SUV that puts comfort ahead of dynamism. Whilst the offerings from Audi, BMW and Mercedes-Benz offer a relatively sporting drive, the Volvo seeks to pamper its occupants with a ride that’s more prestige than hot hatch. The result is a family vehicle that puts the family front and centre, with excellent refinement complimenting the lovely interior to help create a serene environment. Thoughtful touches abound inside and it shows it’s a family vehicle that was designed by people who have families of their own.

Terrific tech

The new XC60 shares much of its tech with the larger XC90, including seats, dash, materials and the tablet-style touchscreen media system (complete with sat-nav, Bluetooth phone and audio streaming, Apple CarPlay and Android Auto). A cinch to operate, the touchscreen works much the same as a smartphone, providing total driver control whilst also affording a clean dash design that’s also intuitive. The screen controls all the in-car safety elements including the lane-keeping assist system, semi-automated parking system and blind-spot monitoring.

Massaging front seats and three-zone climate control with rear heating/cooling and a fan control panel ensure passengers ride in ultimate comfort, while the spacious second row has enough room for two tall adults or a clutch of kids. Whilst not as capacious as some rivals, the boot boasts a 505L capacity and on models with air suspension, the load area can be raised or lowered, making it easy as to get all your gear in.

Availability and pricing

Australian pricing starts at $59,990 (plus on-road costs) for the Momentum D4. The Inscription D4 comes onto the stage at $66,990 (plus on-road costs). If the flagship is calling you, the R-Design T8 comes in at $92,990 (plus on-road costs).

And if you’re ready to buy, we’re ready to help you get behind the wheel. Our car buying service can secure you a fantastic deal without any fancy footwork – contact us and see how easy buying your next car can be.

Australia’s favourite small cars under $40K

Although SUVs were Australia’s top selling vehicles in 2017, the small car class remains one of the most sought-after and hotly-contested segments in the market. Whether you need a family car or a smaller sized runabout, there’s a huge range of options to choose from. Here are our top 5 under $40k.

Subaru Impreza

From $24,990 drive-away, the new Subaru Impreza offers improved space, drivability and better value-for-money than ever before. An extensive list of standard equipment headlines the Impreza’s proposition and is the only vehicle in its class to offer the security and sure-footedness of all-wheel drive. A choice of sedan and hatch are available and all come with Apple CarPlay™ and Android Auto™. Stepping up to the 2.0i-L also brings Subaru’s advanced EyeSight® system, which adds adaptive cruise, lane departure warning and collision-avoidance assistance.

Hyundai i30

A multi award-winner and one of the strongest-selling vehicles on the market for good reason, the i30 has won the hearts of many buyers and kicks off from only $20,990 drive-away for the Go manual. A choice of three engines (including diesel) and two transmissions, as well as a broad range means there’s an i30 variant to suit everyone. Australian-developed ride and handling means a vehicle tuned to our conditions for improved drivability, whilst inclusions like Sat-Nav (Active variant up) ensure a relaxing drive every time. Five years warranty offers peace of mind.

Volkswagen Golf

Long considered the category benchmark with awards around the globe, the Golf is a perennial favourite. It can be had with a choice of body styles, engines and transmissions. The Golf is replete with excellent all-round capabilities across all areas and strong build quality. From $23,990 drive-away, the Golf offers a very polished and refined driving experience wrapped up in a European package, complete with an all-digital dash. Safety features such as autonomous city braking help to avoid accidents.

Honda Civic

Firing out of the blocks with bold and sporty styling, Honda’s all-new (and greatly-improved) Civic has shot up to the pointy end of the class. Opening from $24,990 drive-away, the Honda Civic offers a comfortable ride, plenty of equipment and a five-year, unlimited-kilometre warranty. Available as a hatch or sedan it’s a sure-fire winner for those who want to make a statement. Couple this with large cargo space and Honda’s legendary reliability and you have a car that’s hard to go past.

Holden Astra

The Astra marks a return to a European offering from Holden and represents excellent value for money. Opening at just $21,990 drive-away, the turbocharged Astra range can be had in stylish hatch, sedan and even wagon body styles. The latest Astra vaults up the desirability ladder, with accomplished driving dynamics and engines that stand out from the crowd. High quality and refinement see it become one of the highest-reviewed cars in its class. One for the enthusiast drivers out there.

Need a car or equipment for your business? We’ve got the loans for you

When you’re a business owner, finding the cash for new cars or equipment can be tricky. Lucky for you, we have finance options built specifically for businesses like yours. Here’s just a taste of what’s on offer.

Chattel Mortgage

Like any loan, under a chattel mortgage, your financier provides the funds you need to purchase a new vehicle. However, unlike a normal loan, once you’ve taken ownership of your new vehicle, your financier takes a ‘mortgage’ over the vehicle. This mortgage is then held as security for the loan and is registered with the PPSR (Personal Property Security Register). Once the loan contract is complete, the security interest is removed, giving you clear title to the vehicle.

Benefits

• Chattel mortgages are generally very flexible, and offer a range of loan repayment periods, ranging from two to five years
• To reduce your monthly repayments, you also have the option of setting a final balance (also known as a residual value) payment of between 0 and 60% of the full loan amount
• If your car is used for business purposes, you can claim your repayments on tax and, if registered for GST, claim input tax credits
• Fixed interest rates for the term of the loan
• Deposit and trade-in availability

Equipment Finance

Need finance for new business equipment? We’ve got you covered. With a network of over 30 finance providers, we can help you cherry pick the best deals and get the loan that perfectly suits your needs.

Our equipment finance options cover everything from the office to the paddock and include finance for:

• Computers
• Earthmoving equipment
• Farm equipment
• Medical equipment
• Office equipment
• Truck finance

We also want to make the application as simple and stress free as possible, which is why we’re available online and over the phone, as well as in person. All you need to do to get started is pick up the phone and give us a call on 03 9429 3000 or fill out our enquiry form. One of our loan specialists will give you the lowdown on your options and get you started right away.

Self-employed? A low-doc car loan might be the answer

Whether you’re self-employed or simply low on documentation, a low-doc loan might be the answer to your new car dreams. Here’s a brief rundown on who they’re for and how they work.

What is a low-doc loan?

A low-doc loan is precisely what it says on the tin – a loan requiring low or little documentation. Designed primarily for ABN holders and the self-employed, it’s a great option when you may not have filed a tax return for the previous financial year and/or can’t provide pay slips as proof of regular income.

How does it work?

Low-doc loans use ‘alternative verifications’ to verify income. This allows potential borrowers (most commonly new business owners) to use documents like bank, credit card and BAS statements to support an application for car finance.

Things to keep in mind

• You’ll often find one of the conditions of the loan is that the vehicle must be used primarily for business purposes, but if you’re self-employed, that’s generally not a hassle.
• You’ll also need to supply the requisite proof of ID, along with trust deeds or partnership agreements if applicable to your business.
• Most lenders will require you to have held an ABN for a minimum of 12 months and depending on your financer, you may also need to have been registered for GST for a similar period.
• A clear and positive credit history is also a bonus, and if you’re a property owner and mortgage holder you may find the wheels move more smoothly.
• It also pays to remember that your lender may require an asset as security for the loan (this may be the vehicle itself).

At the end of the day, a low-doc loan is like any other loan in that requirements differ from lender to lender, so contact one of our loan experts before committing to anything. We can find the best lender to suit your situation. A new business shouldn’t preclude you from investing in your very own set of wheels, so don’t be surprised if you find yours is waiting just around the corner.

SUVs and utes are the top sellers for 2017

Thanks to intense competition and lower interest rates, 2017 was a bumper year for vehicle sales. Surpassing 2016’s record by 0.9%, 2017 saw a staggering 1,189,116 new cars, SUVS and commercial vehicles registered across our great wide land. Here’s a quick review of the motoring year that was.

The year of the SUV

With a 39.2% market share, SUVs remain top of the pops for Australian drivers. Outselling all other passenger vehicles combined for the first time in a calendar year, 2017’s sales figures are proof our love affair with big cars shows no signs of waning. Kudos go to the Mazda CX-5 and Hyundai Tucson in particular, with sales growth of 5.2% and 18.4% respectively.

Light commercial vehicles in the spotlight

With a 19.9% piece of the market (or one in five vehicles sold), 2017 saw ute sales soar into double digits. The Toyota HiLux took out the spot for top selling vehicle for the second year in a row with 10.5% growth, while the Ford Ranger revved up by 13.7% to win second place. Also making the top ten was the Mitsubishi Triton, with 23,605 vehicles sold.

Top brands of 2017

With an 18.2% market share, Toyota was by far and away the shining star of 2017. Smashing Mazda, Hyundai, Holden and Mitsubishi, Ford, Volkswagen, Nissan, Kia and Subaru (phew!), its sales figures have the rare distinction of growing faster than the market average. Honourable mentions go to Mitsubishi, Kia, Subaru, Honda and Isuzu Ute up 10, 28, 12, 15 and 10 % respectively.

Underperformers

Thanks to ageing product, lacklustre marketing and reputation issues, Nissan, BMW and Audi didn’t have the greatest year. Hyundai, Holden and Ford were also down with sales dropping by around 4%, while Fiat, Jaguar and Volvo Car are also glad to call 2017 the year that was with sales reduced by 17, 17.5 and 20%.

The nitty gritty

Want a serious breakdown? Find the 2018 sales figures you need to know below.

TOP 10 BRANDS

Toyota 216,566
Mazda 116,349
Hyundai 97,013
Holden 90,306
Mitsubishi 80,654
Ford 78,161
Volkswagen 58,004
Nissan 56,594
Kia 54,737
Subaru 52,511

TOP 10 MODELS 2017

Toyota Hi-Lux 47,093
Ford Ranger 42,728
Toyota Corolla, 37,353
Mazda3 32,690
Hyundai i30 28,780
Mazda CX-5 25,831
Hyundai Tucson 23,828
Holden Commodore 23,676
Toyota Camry 23,620
Mitsubishi Triton 23,604

Get revved up for the new Range Rover

It’s official, there’s a new Range Rover about to hit the streets. Arriving in Australia in March, it’s sexier, smoother to drive and more energy efficient than ever. Here’s a sneak peek at what’s to come.

“Don’t change it, just make it better”

And that’s precisely what Range Rover have done. A new gloss black surround grille design, LED head and tail lights and a longer bonnet mean the new Range Rover doesn’t look markedly different, but savvy, snazzy changes mean it’s an entirely different beast.

Front brakes get more air thanks to a revised lower bumper, allowing for new, minimal dust producing hardware, while six new aluminium wheel designs help things look cleaner for longer. On the engine side of things, the 5.0 litre V-8 gains some grunt with a shift to eight horsepower (375kW to 386kW), and diesel will be available in both 190kW 3.0 litre TDV6 and 250kW 4.4 litre TDV8.

Energy efficient features

New energy efficient headlights are designed to last the lifetime of the vehicle and will be standard in all models. However, the big highlight is the new P400e variant, a plug-in hybrid (PHEV) that will replace the previous model’s diesel-electric hybrid offering. Using as little as 2.8L per 100km and with an all-electric range of up to 51 kilometres from the 13.1kWh lithium-ion battery pack, it can be charged in as little as two hours, 45 minutes with a dedicated 32-amp wall box. Two driving modes also allow for a combination of petrol and electric power or electric power only.

Terrific new tech

Interior changes across the range include a reconfigured 12.0-inch instrument cluster with more customisable displays and five mode massage (including simulated hot stones) built into thicker, wider backrests. And if that’s not comfortable enough, Remote Intelligent Seat Fold Technology allows passengers to fold their seats via a smartphone app.

To ensure you travel in serious comfort, LED ambient lighting creates three separate ceiling, door and footwell zones, while 4G LTE Wi-Fi connectivity, a 10-inch rear entertainment system and thicker window glass ensure a driving and passenger experience like no other.

Autonomous emergency braking (AEB), rear-view camera, lane departure warning and rear parking sensors will also be fitted as standard.

Australian arrival

2018 Range Rovers will be available from March 2018 and will be priced from $190,000 plus on-road costs. However, full pricing and specifications are yet to be finalised so keep your eye out for updates closer to the release date.

Worried about a write-off? Value Protect Insurance has your finance covered

Think comprehensive car insurance will completely cover your back in the event of an accident? Think again. If your car is declared a write off, comprehensive cover may not bridge the gap between what your old car is worth, and what your new car will cost.

Sobering thought right?

But there is a solution.

If you’re unlucky enough to have your car written off, Value Protect Insurance provides the additional coverage you need. An add on to your comprehensive insurance, it’ll kick in if your comprehensive insurer makes a total loss payment for an accident that occurs during the period of your finance/contract.

So, what actually gets paid out?

Great question. VPI will pay the greater of the following:

• The loan settlement amount you owe your car financier, less the total loss payment

OR

• The replacement vehicle value less the total loss payment. This should cover the gap between the vehicle that’s been written off and the one you’ll purchase to replace it. The replacement vehicle value is set when you apply for your VPI, however, the replacement value can’t be more than the value of your vehicle at the date the policy comes into force.

There’s also the added bonus that if you have new for old replacement cover and you don’t redeem your VPI, you’ll get your premium (less minimal administration costs) back.

Are there any restrictions?

There are some limits to VPI. Your vehicle must not be:

• More than 10 years old when the cover is taken out
• A motorcycle
• Used as a taxi or a courier, delivery or any other vehicle used to transport goods for hire, fare or reward

Can VPI be part of my car finance package?

When you take out VPI with us, yep, it absolutely can. A lot of financiers don’t offer this option, but as your one-stop auto shop, we’re more than happy to help you out. Alternatively, you can pay via monthly instalments or one up-front payment.

Easy right?

Things to keep in mind

As with any kind of insurance, it’s your responsibility to determine whether VPI coverage is right for you. That’s why we recommend you take the time to consider the Product Disclosure Statement and ensure the level of coverage provided is suitable for your needs. When making your decision, you should consider:

• The amount you’ve borrowed under your loan contract
• The amount your comprehensive insurer will potentially pay out in the event of a total loss payout
• The potential difference between the amount payable under your loan contract or the likely replacement cost for a new car and the total loss payment

You should also consider how much you can afford to be out of pocket if the worst happens and a total loss occurs.

Questions?

WWe’re here to help, so bring it on! For more information on VPI and how it can provide added protection in the event of a serious bingle, contact us.

Say hello to the new Toyota LandCruiser Prado

It’s been a long time coming, but the new Toyota LandCruiser Prado has finally arrived. Revealed at the Frankfurt motor show in November and now available in Australia, it boasts a raft of new features sure to impress even the most discerning 4-wheel driver. Here’s the lowdown you need.

A fresh new exterior

There’s not a lot you can do to change the look of a 4-wheel drive, but Toyota have given it a good crack. Noticeable styling changes include a sculpted bonnet for increased downward visibility, re-profiled fenders and a revised grille and restyled headlamps. The rear has also undergone a re-design with new lamp clusters and a smaller rear garnish plate, while the front and rear bumpers have also been lowered for increased off-road manoeuvrability.

Advanced safety features

When it comes to safety, Toyota’s covered all the bases. Automated emergency braking, previously reserved for upscale VX and Kakadu models, is now standard across GX and GXL variants and includes pedestrian detection. Lane departure alert, adaptive cruise control, auto high beam and forward collision warning will also be standard across the entire Prado line up.

And under the bonnet…

The Petrol V6 variant has been given the heave-ho, but thanks to consistently high local sales, the 2.8-litre four-cylinder turbo diesel engine remains. It’ll generate 130kW and 45Nm when mated with a six-speed transmission (or 420Nm when tied to the six-speed manual).

Want to know more?

Then get in touch. We can provide you with new Prado pricing and a full list of features, as well as getting your finance sorted. Pre-approval can be sorted in as little as 24 hours, so if you want to get on the road in a hurry, give us a call today.

Refer a friend and get a Free $100 Fuel voucher

There are two things we love more than anything else.

The first is helping customers get the best deal on a new car. And thanks to our free car buying service, quick and easy finance pre-approval and a range of insurance options, that’s exactly what they get.

Throw in independent, expert advice on your finance and motoring options and a choice of over 30 lenders for business or consumer loans and it’s obvious you’d be crazy to go it alone.

And the second thing we love?

Rewarding people for helping us out.

That’s why, when you refer a friend or family member to us, we’ll reward you with $100 WORTH OF FREE FUEL. Just our way of saying “Thank You” for your support.

To claim your reward, simply email us at [email protected]. Include the subject line ‘Refer a friend to Melbourne Finance’ and one of our expert consultants will be in touch to get the ball rolling. Once your friend’s loan is settled, we’ll pop a fuel card of your choice in the post (choose from BP, Caltex or Shell) and you’ll be fuelling up on us in no time.

For more information, email us at [email protected]

Happy driving!

How to bag a bargain in the end of year car sales

Think end of financial year sales are the only way to bag a new car bargain? Think again. Thanks to stock run outs, the end of the calendar year is one of the best times to buy a new car. Here’s why, and what to do to ensure maximum bang for your end of year buck.

Get ready to wheel and deal

So why December?

Dealerships are keen to move old stock, making December a great time to snap up a 2017 plated vehicle before the arrival of new models in 2018. Dealers are also keen to hit their sales targets, giving you even greater negotiating power.

To show you mean business, follow these four simple steps:

• Go in with your finance sorted (we can help you with this)
• Visit on a (literally) rainy day or a quiet weekday when most folks are at home or work
• Play down your interest and insist you’re not in a hurry to buy
• Get independent advice before signing on the bottom line

Want to make it seriously easy for yourself?

Then contact us. By using our car buying service, you’ll get access to fleet discounts and savings not available to private buyers. We can also negotiate trade-ins and delivery on your behalf, making the entire experience easy as. Just let us know the make and model you’re after and our expert team can help you hunt down the best deal. But you’d better be quick, the sun’s about to set on 2017 and end of year deals are rushing out the door. Give us a call today and bag yourself a bargain.

0% finance deals – Too good to be true?

0% finance deals may sound like a great idea, but they’re not always everything they’re cracked up to be. Here are some of the common catches to be on the lookout for.

Sales bait

Let’s keep it real – 0% finance deals are designed to get you into a showroom, not to give you a great deal. So you shouldn’t be surprised to find they often only apply to less popular models or those about to be replaced by a newer version. They’re also usually only available for a limited time, allowing salespeople to pile on the pressure while restricting your freedom of choice.

Less flexibility

Although 0% finance deals state they’re ‘interest free’, the reality is somewhat different. Finance providers still need to make money, so instead of spreading the interest over a set number of repayments, they factor it into the upfront cost of the car. Consequently, you’ll find dealers won’t be flexible on the price of the vehicle or provide a particularly generous trade-in, meaning you pay more than you need to.

Restrictive terms

As well as being available for a ‘limited time’, 0% finance deals are often spread over a shorter period (3 years is pretty average). The result? Your monthly repayments may be higher than they’d be with a longer-term loan and higher interest rate. The structure of the finance may also be less flexible, giving you little (if any) room to move when it comes to loan terms and balloon payments.

Talk to the experts

To avoid finding yourself in a sticky financial situation, talk to us first. With access to over 30 reputable lenders, we can have your pre-approval done and dusted within 24 hours. Whether you’re buying through a dealer or private sale, we can find the finance that’s perfectly suited to your needs, giving you more time to find your dream car, and less time worrying about how to pay for it. Give us a call today to get started.

Toyota HiLux range gets a revamp

A new lease on life for Australia’s best-selling vehicle range

A favourite of tradies, families and fleet buyers alike, the revamped Toyota HiLux range is ready to hit the streets. With 10 new auto variants available, here are just some of the reasons it might be high time to consider a HiLux.

10 new variants

Sales records have proven the HiLux a reliable best-seller for years now and with the removal of V6 petrol variants and the addition of 10 new ones to fill the gap, Toyota is hoping to continue the trend. According to Toyota Australia’s Executive Director of Sales and Marketing, Tony Cramb, the changes are designed to strengthen the sales potential of HiLux and are “the result of detailed analysis of buyer trends and feedback from dealers over the past two years”.

Autos and two-wheel-drive

According to Toyota, HiLux drivers want three things – diesel, auto transmission and two-wheel drive. So they’re giving the people what they want. To meet demand, the new range includes 17 self-shifters, up from 12 previously, along with 2 new two-wheel-drive Hi-Riders, growing the range from 3 models to 5. An affordable option for buyers who don’t need full-on off-road capability but want the looks and superior ground clearance of a HiLux 4×4, they’re sure to be top-sellers.

SR changes

SR buyers have also been vocal about what they want in a set of wheels, and it doesn’t include carpet. Hard wearing, durable PVC floor coverings are now standard in all models, and the SR extra cab-chassis in manual also makes a reappearance, along with a newly added automatic version.

There’s something for everyone

All in all, there are still 31 HiLux variants on the market, including 23 genuine one-tonners. Fuel economy varies from 7.1 to 7.7 litres per 100 kilometres for manuals and 8.3 to 8.5 per 100 kilometres for 6 speed autos. And a further benefit for the budget conscious, the entire new range is covered by Toyota Service Advantage capped-price servicing, ensuring a flat $180 per service for petrol and $240 per service for diesel.

Time for a new set of wheels?

With the new line now on sale, there’s never been a better time to consider a HiLux. Get in touch and our expert team can help you find the right deal at the right price, without the dramas of a dealership.

Can I sell my car while it’s still under finance?

Thanks to the digital revolution, selling your car is easier than ever. But when it’s still under finance, co-ordinating a sale can be trickier than expected. Here’s how to get over the hurdles, sell your car and keep your buyer and lender happy in the process.

What’s the big deal with a financed car?

When you take out a standard car loan, your car is held as security against that loan. That way, if you default, the lender can repossess your car and sell it to recover the outstanding amount. So far, so simple right?

Mmm, not quite. The problem is that the loan is attached to the car itself, not you as the owner. So if the car is transferred from one owner to another, the loan (and any outstanding loan balance) goes with it.

So how do I sell my car?

Long story short – if you still owe money on a secured car loan, you must pay it off in full before you can sell the car. To get the ball rolling, you’ll need to call your lender and confirm how much is outstanding. And remember, if you’re paying out the loan before the end of the loan period, you may also have to pay additional fees like a break fee, a cost-recovery fee and/or an admin fee. Costs differ between lenders so make sure you take everything into account before taking action.

If you don’t have the cash to pay out the loan before you sell the car, you can use some or all of the money from the sale itself. However, you’ll need to square this up with your lender beforehand, so make sure you check with them first.

Be honest with your buyer

Smart prospective buyers will do a public search for your car on the Personal Property Securities Register, so if you have any thoughts about hiding the encumbrance (i.e. the fact that it’s under finance), don’t. Instead, let them know right away the car is under finance, and explain how you’re planning to pay it off. That way, everyone knows where they stand from the very beginning.

Need more help?

If you’re thinking about selling a car you’ve purchased with a loan from Platinum Direct Finance, get in touch. Our expert team can provide you with obligation free advice designed to take the stress out of the sales process, ensuring you and your buyer walk away smiling.

Top 10 celebrity rides

They’ve got money, they’ve got fame, and they’ve got some seriously cool cars. Here are the 10 celebrity rides getting us hot under the bonnet.

Kim Kardashian

They say money can’t buy you class, but it can buy you a seriously slick set of wheels. Going from 0 to 60 miles per hour in 3.3 seconds, Kimmy K’s Ferrari 458 Italia provides the perfect escape from the paparazzi and comes with an equally fast price tag of $325,000.

Steven Tyler

What better ride for rock royalty than a Hennessey Venom GT? Taking the title rights from Bugatti as the fastest car in the world, the Aerosmith frontman’s wheels tops out at 270 miles per hour and zooms past us mere mortals at the speedy sum of $1.1 million.

Jay Z

He’s known for flashing his cash and his car is no exception. Beyonce’s other half dropped a cool $8 million for this Maybach Exelero. Weighing a whopping 2.6 tonnes, it has a 700HP V12 engine but still manages to reach a maximum speed of 220 mph.

Jerry Seinfeld

Originally costing more to build than to buy, the Porsche 959 is just one of the cars in the funny man’s garage. One of the rarest Porsches out there, its 2.85L engine can reach top speeds of over 200 mph, a feat unheard of when it was produced in the late 80s.

David Beckham

Not quite as fast on the road as he was on the soccer field, Beckham tools around LA in a luxury Rolls Royce Phantom Drophead Coupe. Powered by a 6.75L V12 engine, it costs a cool $407,000 and has an average top speed of 150 mph .

Floyd Mayweather

He’s nicknamed ‘Money’ so the fact that he drives a car worth an eye watering $4.8 million shouldn’t come as a big surprise. Mayweather’s Koenigsegg CCXR Trevita is the third model of its kind made in the world, making it one of the rarest and most expensive celebrity cars on the road.

Beyonce Knowles

Jay Z’s missus isn’t exactly short of a dollar, so dropping $1 million on a 1959 Silver Cloud Rolls Royce convertible should be considered par for the course. A 1959 model with lush leather seats and a 6.2 L engine, it’s a carriage fit for a Queen (Bey that is ).

Simon Cowell

For proof there’s serious money to be made in music, look no further than Simon Cowell’s Bugatti Veyron. The runner up to the world’s fastest car, it goes from 0 to 60 mph in 2.5 seconds and set the 1D impresario back $1.7 million.

Kanye West

A present from his wife Kim, Yeezy’s custom Lamborghini Aventador was a bargain at just $750,000. Zooming from 0 to 60 mph in less than 3 seconds, it’s only just faster than his mouth…

P Diddy

What’s better than being a wealthy celebrity? Being a wealthy celebrity’s son. The soon to be renamed P Diddy supposedly dropped $360,000 on this chauffeur driven Maybach for his 16 year old son. Not bad work if you can get it…

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The end of an era – Australian Holden production shuts down

They say all good things must come to an end, and so it was with the closure of Holden’s last Australian factory. Workers and fans looked on as a red, manual VFII Redline V8 Holden Commodore – the very last to be produced in Australia – rolled off the production line in Holden’s Elizabeth Factory in Adelaide on October 20. The 7,687,675th vehicle produced by the company, it’s destined for a life on show at corporate headquarters in Melbourne, and was a fitting closure to an iconic period in Australian history.

The end of an era

Holden production began in Australia in 1948, with the first fully Australian made car – the 48-215 – the first off the line. Production soon swelled, and the Australian automotive industry took its first tentative steps into a bold new mechanised world. By the 1970s, local manufacturers were producing close to half a million vehicles a year, with 8 out of 10 cars sold in Australia also made in Australia.

However, the boom times weren’t to last, with production dropping to 5 in 10 by the late 90s and further still to 2 in 10 by 2006. Manufacturers blamed prohibitive local production costs, a breakaway Aussie dollar and low import tariffs for the downturn, which has led in turn to the shutting down of Australia’s once proud car manufacturing industry.

Silver linings

Although the shutting down of production has led to widescale job losses and the culling of 30 dealerships, the President of General Motors, Dan Ammann, assures Holden aficionados that the decision to end manufacturing “was made in the best interest of the business for the long term and we’re committed to making sure Holden is incredibly successful in the future”.

200 showrooms will continue to operate across Australia, making it second only in number to Toyota. Drivers can also expect the same reliable, high quality range of vehicles, with the next-gen German manufactured Commodores set to hit showrooms in early 2018. V8 enthusiasts need not despair either, with plans to import the Chevrolet Camaro V8 by the end of 2018, slightly ahead of the Corvette sports car, due in 2020.

Looking for your next new car?

Whether you’re after a Holden, a Hyundai or a Honda, our team of experts can help you find the right wheels, at the right price. Give us a call to learn how we can help you bag a bargain and potentially save thousands in the process.

Contact Us

Harnessing the power of hydrogen – The future of green motoring

Quiet to drive, quick to refuel and with a longer range than electric options, hydrogen cars are fast becoming a big deal on the green motoring scene. Here’s your quick guide to what they are, who’s making them and why you might want to drive one.

How do they work?

As far as technology goes, it’s actually pretty simple. Hydrogen passes through a fuel cell stack where it mixes with oxygen, producing an electric current which is used to power the car. Highly efficient, these hydrogen fuel cells can be adapted to cars and SUVS, as well as more powerful vehicles like trucks and buses.

Who’s making them?

Toyota, Hyundai and Honda are all investing heavily in hydrogen technology, with some passenger vehicles already available overseas.

Locally, Australian government and industry are actively exploring their options with Moreland City Council in Melbourne planning to build a commercial refuelling station and convert some of its diesel trucks to hydrogen. Also in on the action are South Australia with plans for an $8.2 million hydrogen bus fleet and refuelling station trial, and the ACT which will take delivery of Hyundai’s first 20 Australian fuel cell vehicles in 2018 as part of the Hinsdale Windfarm Stage 3 project.

Why drive one?

A greater range and quick refuelling are just two of the advantages hydrogen vehicles have over their electric counterparts. A seriously silent engine makes them a dream to drive and with water their only emission, their green credentials are out of sight.

However, hydrogen cars aren’t available on the mainstream market in Australia just yet. Hyundai and Toyota own the only 4 demo models in the country and although refuelling stations are on the way, they’re not a reality yet. Industry experts hope government and industry support will assist with the building of infrastructure and the continued development of renewably sourced hydrogen, but until then it’s a waiting game.

Your car insurance options explained

Don’t know your comprehensive insurance from your CTP? Navigating your car insurance options can be confusing, and getting a great deal can be even harder. Luckily, we’ve got all the know-how you need right here.

Who’s who in the car insurance zoo

In Australia, we have four main types of general motor vehicle insurance:
• Compulsory third party (CTP)
• Comprehensive
• Third party property damage
• Third party fire and theft

Compulsory third party

To ensure everyone is protected in the event of a motor vehicle accident, each Australian State and Territory has a mandatory personal injury insurance scheme. Referred to as CTP, it protects anyone you might injure when driving your car, including pedestrians, cyclists and other drivers. Schemes differ from State to State, but regardless of where you live, it must be taken out when you register your car, and it’s illegal to drive a vehicle without it. Check in with your State or Territory vehicle registration body for details on its operation.

Comprehensive

Covering you for events like theft, collision, fire and weather damage, comprehensive car insurance is a must have for peace of mind. Thanks to a variety of potential insurers, competitive deals aren’t hard to find and can even include optional extras like windscreen protection and hire cars in the event of a bingle.

Third party property damage

A step up from CTP, third party property damage covers you for any damage caused by your car to other people’s property. The least expensive option after CTP, it’s worth investing in if you’re under 25 and driving a car that’s a bit of a clunker. It’ll provide protection in the event you collide with a luxury car or someone’s fence.

Third party fire and theft

This kind of insurance does exactly what it says on the box. Protecting you from damage caused by fire or theft, it also includes coverage for damages caused by your car to other people’s property. If you can’t afford comprehensive cover, it’s your next best option.

Not sure what you need and don’t have the time to hunt it down?

We have access to a wide range of products and a variety of insurers, and can help you find the insurance that best suits your needs. To learn more, hop on over to this page or give us a call to learn more.

Tesla – Setting the standard for motoring innovation

As the proud manufacturer of the world’s fastest car, Tesla is currently enjoying a major moment on the world’s motoring main stage. With its sights firmly set on establishing a strong presence in Australia, we take a quick look at what they’ll deliver next.

Autopilot

Released in 2015, Tesla’s Autopilot sent a clear signal to the motoring industry about where cars are headed next. And although it was never intended as a fully autonomous driving tool, it’s quickly become the end goal for many major manufacturers. So much so that GM is equipping their Cadillac CT6 with Super Cruise, Mercedes-Benz is creating Drive Pilot for the S-Class and Audi are making the new A8 Level 3 autonomous.

With the release of the Model 3, Tesla’s made it clear they won’t be left behind, with plans to equip all future models with fully driverless technology. According to experts, 2020 will be the year autonomous and semi-autonomous vehicles become more mainstream, but it’ll always be Tesla who got there first.

Model S & Model 3

Love fast cars? Then Tesla’s new Model S will definitely get your engine going. Roaring from 0 to 100 km/h in a tiny 2.7 seconds, it’s currently the fastest car in the world. Slinky and low-slung, it has Tesla aficionados all over the world hot under the hood. But with a price tag of $118,652, it’s not exactly what we’d call affordable. Luckily, the Model 3 will retail in Oz for around $50,000, and although it’s not as sexy as the Model S, it’s one of the best (and safest) options in its class. Currently in production, they’ll hit our shores sometime in 2019.

Powerpack

After a state-wide blackout and continuing power failures throughout the summer of 2017, the South Australian government looked to sustainable energy providers for alternative energy solutions. Long story short, Tesla’s been selected to provide a 100 MW/129 MWh Powerpack system which will deliver electricity during peak hours, taking the burden off SA’s existing electrical infrastructure. Due for completion in December 2017, it’ll be the largest lithium-ion battery storage project in the world and is sure to put Tesla, and South Australia, firmly on the electricity world map.

Hyundai’s first compact SUV hits the streets

Entering the market in October, the Hyundai Kona is the latest addition to the compact SUV market. Available in 10 exterior colours and boasting two-tone colour roof options, it’s set to make a big splash on the motoring scene.

Fresh, fast & funky

Going head to head with the perennially popular Mazda CX-3 and Mitsubishi ASX, the Kona is Hyundai’s first mainstream model to be sold without a diesel engine or manual transmission. Zooming from 0 – 100km/hr in 10 seconds, and with a top speed of 194 km/hr, it’s hoped the model will boost local sales by up to 10%.

Available in 3 trim levels, the entry level model is powered by a 2.0-litre four-cylinder petrol engine with six speed transmission. Mid and top-spec models take it up a notch with a 1.6-litre turbo-petrol four-cylinder engine with a seven speed dual-clutch transmission. Making the jump from 0 – 100km/hr in just 7.7 seconds, it’ll enter the market as one of the quickest and most powerful options in its class.

Comfort & control

Thanks to four wheel disc brakes, 17 or 18-inch alloy wheels and local suspension tuning, the new model takes our notoriously tough road surfaces in its stride. With a ground clearance of 170mm, it’s not exactly built for rough off-roading but takes kerbs and speed bumps in its stride. With good head and leg room, a boot capacity of 361 litres and 60:40 split folding rear seats, there’s plenty of room for kids, bikes and the weekly shop.

Customised colour

With over 150 colour combinations for you to choose from, a two-tone roof and optional extras like tartan cloth trim and yellow windscreen wipers, the Kona isn’t shy about being seen. Throw in features like push-button ignition, heated seats, HUD display and an eight speaker audio system and you’ve got everything you need for a refined ride.

Pricing & specs

Prices are yet to be advised, but it’s expected the Kona will enter the $25,000 – $35,000 bracket. Buyers can also anticipate a five-year/unlimited kilometre warranty, along with a free 1500km service and 12 months roadside assistance.

Which car finance solution is right for you?

Navigating your car finance options can be a stressful and overwhelming experience. But it doesn’t have to be. Thanks to our simple guide on types of car finance, confident decision making is only a step away. Here’s all the information you need to get started.

When you need a car for personal use

Secured car loan

A secured loan is referred to as a ‘secured’ loan because the car you’re buying is held as security against the loan until it’s paid out. So if you miss or fall behind in your repayments, the lender can sell the car to recover the debt. Secured loans often come with lower interest rates and flexible repayment terms and are a good option when you’re buying a car purely for personal use and salary packaging isn’t an option.

Novated lease

Also referred to as salary packaging, a novated lease is a three-way arrangement between you, your car finance provider and your employer. Put simply, the financier buys the car and leases it to you. Your employer then takes a fixed, monthly payment from your pre-tax salary that covers your repayments, maintenance and running costs and pays it to the financier. At the end of the lease you can either sell or buy the car outright. Offering significant tax savings, they can be used for new or used cars intended for purely personal use.

When you need a car for business use

Chattel mortgage

Under a chattel mortgage, you borrow money from a lender to buy ‘moveable’ property – in this case, a car. The lender secures the loan against the car (much like a secured loan) and holds the mortgage until the loan is repaid. You can either finance the total purchase price or pay a deposit or use a trade-in to reduce the loan amount. Thanks to minimal capital outlay, flexible contract periods and significant tax advantages, it’s a great option for business owners.

Low doc loan

Low doc loans are particularly popular with sole traders or business owners who’ve been operating for more than two years and have been ABN registered for more than 18 months. Applicants for low doc loans don’t need to hand over all their financials and/or tax returns to have the loan approved, making it a great option for busy business owners. The pricing structure is like a full finance loan but remember you must be able to prove the vehicle is going to be used for commercial purposes.

Operating lease

Under an operating lease, the financier buys your vehicle and rents it back to you. Because the finance provider retains ownership of the car, you assume none of the risks associated with ownership, including the residual payment at the end of the lease period. You do however have the option to buy the car, continue to rent it, or change to another vehicle at the end of the lease. Your repayments are fixed over a set period and bonus, your rent is tax deductible too.

Speak to our Car Finance Experts today and they will help you decide on what type of car finance is best suited to you. 

Your quick guide to car finance

For many of us, paying cash upfront for a new car isn’t an option. But thanks to car finance, you can have your new car and drive it too. Here’s how it works.

The process

Step 1 – Your details

A potential lender needs to know you are who you say you are and that you can afford to pay back the loan. So you’ll need to provide ID, income and bank statements, as well as details about your credit history. Your application will then be assessed and the lender will let you know whether your loan’s been approved or not.

Step 2 – The contract

Once your loan’s been approved you’ll need to sign a contract. It’ll outline what you’re borrowing, over what period and what terms and conditions apply. Take your time to read it over and ask questions about anything you don’t understand.

Step 3 – The transfer

So your loan’s been approved and the contract’s been signed. The lender will then transfer the loan amount either directly to the current car owner’s bank account or to the new car dealership so you can pay for your new car.

Step 4 – Possession

Once the car’s been paid for and you’ve taken delivery, you’re deemed to be in possession of the vehicle. You’re now required to pay back your loan over the agreed time frame. All the relevant info about interest rates and repayment amounts and frequency will be outlined in your contract, along with any additional fees or charges that may apply during the life of the loan.

Who should get a car loan?

If you plan to use your car for predominantly personal purposes and novated leasing isn’t an option, or you need a car for work or business, a car loan might be right for you. To ensure you find the finance deal that’s perfect for you, give our expert team a call. They can help you sort through your options and find the finance that best suits your budget, needs and lifestyle. We’re ready to talk when you are!

Private purchase vs dealership – Your options explained

Think choosing which car to buy is the hardest part of the process? Think again. With private sales and dealership purchases available, choosing where to buy your new car can be just as challenging. Thankfully, we’re here to help you out. Here are some of the things to consider before making a move.

Private sales

If you’re after a wide range of options, purchasing your new car privately might be the way to go. However, because the normal statutory warranties don’t apply, it’s a process that can be fraught with risk. To avoid buying a lemon, you should always:

• Make a thorough inspection. And by thorough, we mean thorough. Look under the bonnet, under the car and inside to ensure you’re aware of all the potential issues that come along with the car. You should also arrange an independent inspection by a mechanic to ensure everything’s as it should be – your state’s motoring authority should be able to help if you don’t have access to an expert mechanic.
• Check there’s no money owing on the car. A simple call to the vehicle title registry or REV’s in the state the car is registered in should take care of this.
• Ensure the seller is the legal owner. You’re well within your rights to inspect the seller’s driver’s licence and compare the details with those on the rego documents. While you’re at it, check the car’s compliance plate and ensure the VIN number, date of manufacture and number plates all match up.
• Take a test drive. As well as considering how well the car drives, make sure you check the seatbelts, lights, equipment and accessories and assess the comfort of the seats.
• Ask questions about the vehicle’s history. How many owners have there been? Has it been involved in any accidents? What’s the mileage? How much does it cost to fill? What safety features does it have? It’s also a good idea to invest in a car history report to ensure you have all the relevant mileage and accident history from a trusted external source.

Dealership

Buying from a dealer is generally more expensive than a private sale but it comes with some advantages. However, there are still a few things you should do to protect yourself, including:

• Check the warranty. Cars sold at a dealership come with statutory warranties, but what’s covered can differ from dealer to dealer. Make sure you know what is and isn’t covered, as well as how long your warranty will last.
• Get across the basics. Dealers generally have to display a form on the car’s dashboard or windscreen that provides basic info like the year of manufacture, odometer reading and warranty details. Make sure it’s all up to scratch.
• Ensure the car is debt free. When you buy from a dealer, they’re legally obligated to guarantee that the car’s debt free. If they can’t prove it, walk away.
• Take a test drive. Just like with a private sale, a test drive will help you work out what you do and don’t like about the car. Take your time and ensure your drive is long enough to get a feel for how it handles at different speeds.

Want a new car but don’t know where to start?

We can help take the hassle out of car shopping with our professional Car Buying Service. Let us know what car you’d like to buy, we’ll put it out to tender and thanks to our national fleet discounts, we’ll deliver the best deal around. Give us a call to learn more.

The new Golf – Australia’s favourite hatch just got better

With over a million sold in 2016, it seems the Golf is the hatchback everyone has to have. And although there was technically nothing lacking in the model 7, Volkswagen has upped the game even further with its new model 7.5. Here’s why every man and his dog will be clamouring to get behind the wheel.

New look

Cleaner, sharper and sleeker than its predecessor, the Golf 7.5 is less a new generation Golf than a stand-by model (the eighth generation will arrive sometime in 2020). Although styling adjustments are minimal, the 7.5 takes it up a notch with new LED head and tail lights (the GTI-P and Golf R also have scrolling LED indicators), reworked lower bumper treatments and reshaped front guards over restyled wheels. Any rough edges have been smoothed off, making it the hottest thing on 4 wheels pundits have seen this year.

New tech

Forget conventional clocks, the new Golf 7.5 boasts a 12.3 inch digital instrument cluster. Fully customisable, it’s up there with Audit’s TT and R8 sportscars, offering widescreen maps, vehicle data and entertainment options galore. Comfortline and Highline variants also come standard with an 8 inch central infotainment display offering gesture control in lieu of physical buttons, along with the latest mod-cons like Discover Media Audio and Apple CarPlay, Android Auto and MirrorLink.

New power

Say goodbye to the old 92-kilowatt engine and say hello to 110kW worth of grunt. Zooming from 0 to 100km in 8.2 seconds, it has some turbo lag off the blocks but offers fabulous lane changing pace for those opportune gaps in traffic. Thanks to a well insulated cabin, road and engine noise is almost non-existent and the ride comfort is first class. 1.4 litre petrol and 2.0 litre diesel models will be standard in Australia.

Deets you need to know

There’s something for everyone with new models ranging from $22,840 drive-away for the 92 TSI manual to $46,411 drive-away for the GTI manual and $61,125 for the Golf R with DSG (direct-shift gearbox).

We can also expect a lower priced three door GTI model from just over $40,000 drive-away and Golf R from just over $50,000 drive-away by the end of the year. All models come with three years/unlimited kilometre warranties.

Love an SUV? Here’s why Mazda’s new CX-5 is still top of the class

Receiving more than a face lift, but not a completely new design, the next gen Mazda CX-5 has hit the streets. But are the changes enough to ensure it maintains its position as Australia’s most popular SUV? Here are just some of the new bits worth noticing.

More room, less noise, superior comfort

Adhering to the adage of ‘if it ain’t broke, don’t fix it’, the new CX-5 differs little from older models. However, with a roomier, quieter and more comfortable cabin, and more modern styling, it continues to hold its own in the lower priced mid-sized SUV market.

Engine and transmission options haven’t changed, but with a quieter engine and additional sound-deadening, the cabin is low on tyre and wind noise, ensuring your ride is as whisper quiet as possible. That said, front wheel drive CX-5s are noisier on acceleration, but at highway speeds are as quiet as the proverbial mouse.

Throw in comfortable seats, room for two child seats in the back and a 442L boot and you’re sure to move the entire family with ease.

High standards across the range

All models come standard with analogue and digital radio receivers, Aux and USB inputs, Bluetooth connectivity and six speakers. Everything’s controllable from a 7-inch touchscreen with support for radio integration through Pandora, Stitcher and Aha. Critics point out the touchscreen doesn’t operate as a touchscreen once the car is in motion, however wheel controls come as standard.

Reversing camera and rear parking sensors are also included, along with rear cross-traffic alert and electronic stability control. Emergency braking works at low and medium speeds, and blind-spot monitoring and six airbags ensure the safety of everyone on board.

Still an affordable option

With prices ranging from $28,690 for the base spec model (manual transmission) to $49,990 for the top-level model, the new CX-5’s still a high performer on price. Combined with a three-year warranty with no limit on distance and it definitely remains an SUV worth test driving.

New car sales race to an all-time high

Can’t wait to buy a new car? You’re not alone. With sales figures hitting an all-time high in June, it seems there’s nothing hotter than a brand-new set of wheels. Here are the facts and figures you need to know.

June monthly records smashed

The month of June saw Australians buy more new cars than ever before. 134,171 in fact. That’s a 4.4% increase on the previous best result of 128,569 in June last year. Year to date sales have rocketed to 599,552, racing past 2016’s high-water mark.

What are we buying?

SUVs and light commercial vehicles are by far and away the most popular buy, with sales up 11.7% and 12.2% respectively over June last year. According to the Federal Chamber of Automotive Industries, the demand’s primarily driven by the business sector, which has seen passenger car sales increase by 5.7% and SUVs and light commercials by 16.6%. Interestingly, non-business sales of passenger vehicles are down by 5.9% compared with the same time last year.

Which brands have come out on top?

With a market share of 18.3%, Toyota remains the industry leader. They’re a whopping 9% above their nearest competitor Mazda, who holds a 9.3% share. Close behind is Hyundai with 9.1%, and Holden and Mitsubishi are bringing up the rear with 6.9%. The Toyota Hilux remains Australia’s most popular vehicle, followed by the Ford Ranger, Toyota Corolla, Hyundai Tucson (a shock result according to industry pundits) and the Mazda3.

Why are sales so high?

It’s thought a highly competitive market, low interest rates and the Government’s instant asset-write off have all contributed to the boom. However, not all brands have benefited, with Chrysler, Citroen, Fiat Professional, Land Rover and Renault all down on last year’s sales.

In the market for a new car?

Then get in touch. Our financial consultants can take the hassle out of finding and buying your new car, making the entire process quick, easy and stress free. Visit us online or give us a call to get things rolling.

The future is electric – Production of new gen electric cars is finally underway

Think there’s nothing new under the motoring sun? With new Tesla models rolling into production and European brands testing the electric car market, the future of motoring isn’t just bright, it’s electric. Here’s the news you need to know.

The growing power of electric motoring

It’s true that the Australian market has been slow to adopt hybrid and electric model cars. Our love affair with big engines, combined with a lack of government incentives to go green can be partly blamed for our reluctance to change. But with the number of Teslas registered in New South Wales rising from 119 in March 2015 to 363 in March 2016 (and rising further to 618 in March 2017), it seems change is finally on the cards.

Who’s leading the charge?

Although almost every car maker has an electric model in the works, it’s Tesla that’s ahead of the field. With its game changing Model S already on the market and Model 3 electric sedan finally in production, they’re setting the standard other brands will need to follow.

Pricing for the Australian Model 3 hasn’t yet been announced, but with 345km range per charge, seating for five, autopilot hardware and a 5-star safety rating, it’s already attracting positive attention. Zooming from zero to 100km/h in under six seconds, they’ll be under production mid-2017, with delivery slated for mid-2018 or later.

European brands on the rise

Thanks to the popularity of electric cars on the continent, it’s no surprise Mercedes, Porsche, Volvo and Volkswagen are all working on new electric vehicle ranges. With a focus on looks as much as performance, it’s hoped these new models will finally bring electric cars the attention – and competition – they deserve in this great land down under.

Need a little extra push?

Although government incentives for green cars aren’t exactly thick on the ground, as part of a deal with AGL, customers buying a new Tesla before August can also receive free electric charging at home for the first year of ownership. And with increasing pressure on the government to come to the party, fingers crossed change is on the agenda sooner rather than later.

Applying for a car loan? Here are the 5 pre-approval boxes you need to tick

Buying a new car’s super exciting. But getting the loan to finance it? Not so much. Thankfully, getting your car loan ducks in a row doesn’t have to be a hassle. Here are the 5 things that will get you into your new car and onto the road in half the time.

1. Proof of income

One of the biggest things car loan providers are looking for is proof you’ll be able to repay the loan. Requirements differ from lender to lender, but as a general rule, you’ll need to show 3 months of steady income to even be considered for a loan. If you’re self-employed, depending on circumstances, you may have to provide a copy of your tax returns or the last two years.

2. Credit history

Along with knowing you’re able to repay your loan, lenders are also looking for proof that you’re not a bad risk. So you’ll need to provide details on any other loans and debts you currently have, as well as ones you’ve had in the past. Information on mortgages, personal loans and credit cards should all go into the pot.

3. Proof of residence and identity

Lenders love their paperwork, so don’t forget about providing details of your current residence and proof of your identity. You’ll need to show 100 points worth of ID which may include your birth certificate, passport, driver’s licence, Medicare card and a utility bill (gas, electricity or water).

4. Vehicle information

Once your potential lender knows who you are, they’ll also want to know what you’re going to buy. So you’ll need to hand over details about the purchase price, VIN number, year, make and model of the car you’re planning to buy. If you’re buying a used car, the seller should be able to provide this information, as well as details on mileage, title and any liens or legal claims on the car.

5. Proof of insurance

Again, requirements differ from lender to lender, but be prepared to hand over details of how you plan to insure the car. You can arrange a certficate of currency with your insurance provider prior to handover and it’s usually sorted with a quick phone call.

And that’s it – a quick guide to getting your car finance sorted. Melbourne Finance can help you today – call us on 03 9429 3000

BMW releases CS version of M4

BMW is very serious about its high performance models. The M4 is a compact high-performance coupe, the optional Competition Package gives it an extra edge, and the M4 GTS is an uncompromising sports car also designed for use on the track. With its eye-catching powerful looks, it also raises the profile of the M4 range.

A new model-specific front splitter in exposed carbon fibre defines the face of the new BMW M4 CS, which cuts an unquestionably dominant and dynamic figure even when standing still. The car’s athletic lines extend along the CFRP bonnet and powerdome, over the roof and the new, likewise carbon-fibre spoiler lip on the boot lid, to the rear diffuser and its four exhaust tailpipes, integrated with impeccable stylistic fluency.

The extensive use of carbon fibre-reinforced plastic (CFRP) ensures that the new CS is extremely light with the kerb weight at just 1,580 kilograms. As well as the rear diffuser, large sections of the body are also made from CFRP. The bonnet, for example, is around 25 percent lighter than that of the BMW M4 as a result.

BMW’s many years of experience in the production of carbon-fibre components and carbon fibre-reinforced plastics has paid dividends with this new CS. Indeed, the CFRP roof is more than 6 kilograms lighter than a conventional metal item. Another benefit of this extremely light and yet highly robust composite material is the corresponding lowering of the car’s centre of gravity.

Unlike the GTS, BMW has deliberately steered the CS away from a focus on the track. For example, the front splitter is not adjustable and instead of a large, adjustable wing, the rear end sports an exposed carbon-fibre Gurney which is an aerodynamic spoiler lip running across the trailing edge of the boot lid. In the interests of everyday practicality, the M4 CS also forgoes the roll cage fitted in the GTS.

The dynamics of the new CS are rooted not only in a fresh round of suspension revisions over the M4 with Competition Package in terms of spring/damper settings, but also in a moderate increase in power for the 6 cylinder in-line engine. It develops 460 bhp with peak torque at 600 Nm (442 lb-ft).

Generous use of Alcantara and leather has allowed the development engineers and designers to conjure up an interior with an enviable sporting feel. Paring down the passenger compartment to the essentials and, in so doing, achieving significant weight savings was also the declared aim with the interior door panels and the side trim in the rear compartment. Both are made from compacted natural fibres.

Suzuki launches all-new Swift

Suzuki has invested in its best seller with a view to keeping its popularity. The Swift for 2017 has just got even better as it has been totally rebuilt and refined from the ground up. This latest Swift in four grades: GL, GL Navigator, GL Navigator with Safety Pack, and GLX. Prices range from $15,990 to $22,990.

This new Swift is short, low, and wide with key styling elements such as the wrap-around window and vertical headlamps. Also, Suzuki has introduced stronger fender lines, a higher nose and wider grille for a strong appearance, blacked-out pillars creating the look of a floating roof, and has improved the overall proportions via reduced height and a longer wheelbase.

Under the bonnet, the GL has a 1.2 litre Dualjet engine with the option of 5 speed manual or CVT automatic transmission, with the top-spec GLX flaunting 6 speed auto alongside a newly-developed Boosterjet engine with direct-injection, turbocharging, and downsized displacement, generating higher torque from lower revs.

In addition to ABS, EBD, and BA standard across the range, the top two grades also feature Suzuki’s first application of a forward detection system using the combination of a monocular camera and laser sensor attached to the windshield. Giving further peace of mind are a lane departure warning function, a weaving alert function and another Suzuki first the high beam assist.

The new interior has been created with driver comfort in mind, the idea being a sportier appearance without compromising the functional aspects of the car. The ultra-sporty dash, race car-like D-shaped steering wheel, body hugging seats, and driver-angled centre console all combine to create a relaxing and intuitive environment.

Further complementing the swish interior and carrying forward the Suzuki tradition of the latest connectivity at great value prices, the Swift includes a seven-inch touch display multimedia unit with built in sat-nav, reversing camera, and both Apple CarPlay and Android Auto, as standard from the entry level GL Navigator.

This fresh design coupled with the latest tech, turbo performance and advanced preventative safety features have upgraded an icon that has already sold more than 132,000 units in Australia and upwards of 5 million units worldwide.

Used value: Consider Citroen and gear up for a complete change of pace

Tired of driving the same old brands from Japan? Fancy something completely different? Then you can’t go past a Citroen. A perfect example of how the French do things differently, it’s a stand out in terms of styling, interiors and comfort. Here’s why you should consider getting behind the wheel.

A Corolla sized car with a European edge

One of the most popular models in the Citroen range is the C4. A Corolla-sized car with a 1.6 litre petrol or diesel engine, it’s available as a 5 speed manual or 6 speed auto. As with many European models, its economy is seriously impressive, with a claimed range of between 4.2 to 6.9 litres per 100 kms.

Chic styling & superior space

Although most European cars provide great comfort along with lots of useful compartments, Citroen has made both a leading feature. Thanks to consistently spacious interiors and decades spent perfecting ride comfort, it’s a seriously smooth ride. However, despite our notoriously rough road surfaces, Citroen has experienced only a limited popularity in the Australian market.

What to look for in a used model

If appearance is important to you, the best C4 models to go for are those made after 2011. That year saw a focus on smoothing out Citroen’s memorable yet quirky appearance, pleasing both pundits and critics alike.

In terms of performance, the turbo diesel is the pick of the line-up. Powerful and economical, they easily go the distance when services are kept regularly up to date. You should expect to pay between $10,000 to $14,000 for a used model.

But before you take the plunge, make sure you closely inspect the service records and request a lengthy test drive. Citroen aficionados love the smooth ride the car’s unusual auto provides, but others aren’t such big fans. So settle in for a longer drive to ensure it’s the right ride for you.

Ultimately, there’s a lot to love about a Citroen. However, due to their limited popularity, dealers and specialists are few and far between. And if that’s the case, it’s probably best to stay away.

Toyota Kluger – The practical, luxurious 7 seater your entire family will love

A major player in the 7 seat SUV market, the Toyota Kluger has been a best seller for over a decade. And with 3 new models hitting the showrooms, there’s never been a better time to discover what the fuss is all about. Here’s why the new GX, GXL and Grande should be on the top of your new car wish list.

Power, privacy & performance

With a 2GR-FKS 3.5 litre V6 engine with 218kW of power and 350Nm of torque standard across the range, the new Klugers pack some serious punch. 4 wheel and front wheel drives are available, with an 8 speed automatic putting the power through all-wheel and two-wheel versions. Moving away from previous models, there’s no manual transmission, diesel or LPG options, and towing capacity is 700kg for unbraked trailers and 2000kg for braked.

Cruising in comfort

Along with 7 seats, all three models include a reversing camera, rear parking sensors, front and rear air-conditioning zones, cruise control, three 12 volt power points (two in the front, one in the back), auto headlights, power windows and mirrors and rear privacy glass.

For those who take their tunes seriously, there’s also a 6 speaker sound system, complete with AM/FM radio, CD player and Bluetooth and USB capabilities. The GX model is powered by Toyota’s media software and has a 6-inch touchscreen, while the GXL and Grande models have sat nav and an 8-inch touchscreen.

The GXL spec level model takes it up another notch with SUNA traffic updates, as well as partial leather seats, 19 inch alloys, sunroof, front parking sensors, around-view camera, window shades for rear seat passengers and heated and cooled front seats. And rest assured your entire family will ride safely thanks to front collision warning, blind spot monitoring, reverse cross traffic alert and reversing guides.

Thoughtful styling & practical design

With one of the most thoughtful interiors in its class, the Kluger has high-set front seats complete with two cup holders, bottle holders in each door and a huge 24 litre centre console with a sliding tray. Rear seat passengers ride in comfort thanks to a sliding 60/40 bench seat, two cup holders in the centre armrest, bottle holders in each door and a separate air-conditioning zone (GX model) or climate control zone (GXL and Grande models).

Back end passengers haven’t been forgotten with an easily accessible third row folding 50/50 with a single action lever to tilt and slide the middle row out of the way. Although head and legroom are scarce, it’s not any worse than other options in the segment, and everyone gets a drink thanks to 4 cup holders.

Competitive pricing

New models are available now, with pricing ranging from $43,550 to $57,550 for GX and GXL models, and the top end Grande priced up to $69,900.

Your 7 step guide to buying the perfect used car

We’ve all heard at least one horror story about buying a used car. Thankfully, avoiding trouble is easier than you think. Follow a few basic rules and you’ll drive away in a quality used car, for a reasonable price. Here’s what to look out for when buying your next used car.

All sellers aren’t equal

When it comes to used cars, you get what you pay for. To ensure you get the most bang for your buck, avoid high risk older models with a long list of former owners and a large number of k’s on the clock. Brand dealers usually have the biggest range of models (and bonus, they’re covered by warranty), but prices can be high. So if budget’s a big deal for you, shop around until you find the right price.

If you’d rather buy privately, here’s the 7 step checklist every savvy second hand buyer should follow:

1) Used car sites are a great source of valuable information, so spend some quality time on reputable online sites comparing models, prices and k’s on the clock.

2) Decide exactly what you want and restrict yourself to looking at specific later model options with no more than 3 owners and as few k’s on the clock as you can afford.

3) Only consider cars with a current roadworthy certificate. Without it, you won’t be able to register the car as a new owner, regardless of the State you buy it in.

4) Take your test drive seriously and make sure you give the electrics (along with all the other moving pieces) a thorough going over

5) Before you hand over any money, have the state’s motoring organisation (RACV, NRMA, etc) inspect and report on the car. If they notice faults, move on or bargain the seller down And while you’re at it, check the car’s online vehicle record and have a good look at its history and legal status

6) If all is well, compare it to others in the market. I If it’s more expensive, bargain down the asking price

7) If the service book on the car is inconclusive, budget on a service as soon as possible after purchase.

And that’s it – 7 steps to buying a used car with confidence!

It pays to look after your tyres

What four vital components connect you and your car with the road below? Your tyres.
Providing much needed support and stability, they keep you safe while ensuring the smoothest possible ride. Buy the right ones and you’ll love the way your car drives. Get it wrong and you’ll eventually pay the price. Here are the 4 rules you need to know before letting the rubber hit the road.

SIZE

When it comes to tyres, size matters. So before you pimp your ride with a set of wide rims, check the manufacturer’s recommendations (you’ll find them on the tyre compliance plate inside your driver’s side door). Stick with what’s right for your car, and don’t let fast talking salespeople talk you into fitting a wider tyre on an ordinary wheel.

PRESSURES

Think tyre pressure recommendations are a load of hot air? Think again. If you want the perfect mix of all-round performance, ride comfort and maximum tyre life, then you need to get your pressure right. So once a month, pull into the servo and take a few minutes to check your tyres. Too much pressure is just as bad as not enough, so again, make sure you stick to the manufacturer’s recommendations on the sticker inside your driver’s door.

SWAP THEM AROUND

If you have a small to medium sized car, chances are you’ve got a front wheel drive. Why does that matter? It’s actually pretty simple. Because your front tyres are both driving the vehicle and providing the steering, they’re doing more work than the rear tyres (they’re also wearing out a heck of a lot quicker). So to get the most out of your tyres and avoid going bald on your front end, get your mechanic to rotate your tyres diagonally front to rear a few times a year.

DRIVING PLAYS A MASSIVE PART

Even with the right size and the right amount of pressure, how long your tyres last comes down to you. So think like Captain Sensible and avoid taking slow corners at a high speed. No one’s impressed with your wheel squeal, so stay safe and keep it slow.

Honda announces all new 2017 CR-V

Honda’s stylish, all-new CR-V SUV is now available. Complete with a new all-turbo engine and 5 or 7 seat availability, it offers unparalleled levels of refinement, interior quietness and ride comfort. The latest in a long line of successful CR-V vehicles, it’s the ultimate in style and quality.

New styling, new engine and new technologies

Boasting new styling and a more spacious, versatile and quality interior, the new model packs a punch with a host of new features and technologies designed to enhance connectivity, comfort and convenience.

Chief among which is a state of the art VTEC Turbo engine mated to Honda’s CTV transmission. Available for the very first time, it delivers a whopping 140 kW of power and 240 Nm of torque. High efficiency automatic transmission is also standard across the range.

Multi-seating and front and all-wheel drive options for Australian buyers

Australian buyers are spoilt for choice with spacious 5 or 7 seat variants available for the first time, along with front and all-wheel drive options.

A fresh new look and greater visual appeal

The new model’s fresh new look is turning heads for all the right reasons. Crisper and sharper front-end design elements, aggressive stylised headlights surrounded by wing-shaped LED DRLs and wide mudguards give a greater visual appeal, while a long bonnet, longer wheelbase, short rear overhang and dual exhausts create a more sophisticated appearance that’s sure to appeal across the market.

Already making waves, the CR-V’s a huge hit in the USA, most recently receiving acclaim in the Wards Auto 10 Best Interiors Awards.

As Honda Australia Director Stephen Collins said: “For Australia, the Honda CR-V will be a significant player in the medium SUV segment. As well as the VTEC Turbo engine line-up across the range, family buyers will also appreciate the versatility afforded by being able to choose between five, or seven seat models. Our customers have been asking for this level of versatility and now we’ll deliver it.”

Pricing and specifications will be released in July when the new model goes on sale.

Looking for a quality second hand ride? You can’t beat the Toyota Yaris

When it comes to a quality second hand car, nothing beats the Toyota Yaris. Fuel efficient, easy to park and with enough room for two people plus luggage, they’re the work horse of the small car world.

Better yet, they’re made by Toyota, so when kept in check with regular servicing, they’re basically bullet proof. Here’s why they totally live up to the hype.

From humble beginnings

This remarkable little car first appeared a decade ago for the then high price of $17,000. However, the 1.3 litre engine proved a willing performer and with every driver getting an economy of 6 lt/100kms or better, price was no barrier to its popularity. As the years passed, owners realised just how good these cars were, with just an annual service required to keep them trucking along in tip-top shape.

Basic = better

Although Toyota made a 4 door version and another with a conventional boot, the basic 2 door lift-back model proved the most popular. Reviewers rated the bigger car the best of the range, but the basic model was the pick of the litter for the majority of buyers.

10 years on and still going strong

In 2017, the attraction of the Yaris is just as strong, meaning prices are high for what many people consider to be a very small car. On the plus side, the 4-star safety standard is a big draw for parents wanting a reliable and decent first car for their kids, or for families needing a second car.

On the problem side, is the fact that like all light cars, ride comfort can be average, particularly on rough road surfaces which can be jolty and noisy.

The second-hand Yaris facts you need to know

• With just basic regular servicing, the Yaris can easily clock 200,000kms and still have a few good years left to run
• On the whole, transmissions are good, but manuals subjected to city driving may need a new clutch every 5 to 10 years
• Like all cars, the lower the k’s on the speedo the better, and as with all second-hand cars, make sure you have a good look for previous damage repairs
• Subsequent models have just kept getting better, so there are no bad models to avoid
• When properly maintained, depreciation is minimal

What to pay

We recommend buying as late a model as possible. Around 2010 is your best bet, and prices should be around the $9000 mark. Check it over thoroughly before buying, service it regularly and it’ll continue to perform for years to come.

The 2017 Budget – Consumers and business both take some gains

Now that the dust has settled and the financial celebrities have had their say, it’s time to separate the hyped-up headlines from the reality. Here are some of the leading gains and potential problems from this year’s budget.

$20,000 Instant asset write-off continued

The $20,000 immediate deductibility threshold has been extended for another 12 months to 30 June 2018. The write-off will also now apply to businesses with an annual turnover of $10 million, as opposed to the previous threshold of $2 million, after the definition of small business was redefined in the recently introduced company tax rate legislation.

The extension should be considered a win for small business. As MYOB CEO Tim Reed said “It encourages business growth and is exactly the type of measure that delivers confidence to the business community. Making the $20,000 instant tax write-off permanent for new assets is a key priority for SMEs.”

The Institute of Public Accountants (IPA) is also impressed and wants the write-off to become permanent. CEO Andrew Conway said: “The IPA has long advocated for the write-off initiative and we are relieved that common sense has prevailed to extend the time period. Small businesses Australia-wide should be very pleased with this outcome; it brings an injection of economic growth, giving small businesses the confidence to buy new equipment, reinvest in their operations and grow.”

First home buyers onto a winner

At a cost to the budget of around $250 million over the next 4 years, the Treasurer’s decision to provide positive assistance to first home buyers was met with widespread approval. Thanks to the new scheme, first home buyers will be able to fast-track first home buyer savings by at least 30%, with up to $30,000 of voluntary superannuation contributions able to be used as a house deposit.

Another benefit to first home buyers comes courtesy of the low tax rules applying to salary sacrifice, with contributions and earnings taxed at 15%, rather than existing marginal tax rates.

REA economist Nerida Conisbee said the savings plan will be of benefit because “One of the biggest obstacles for first home buyers is getting the deposit together.”

Buyers flocking interstate to find cheaper property

A growing number of young families are now making the move to Victoria, Queensland and Tasmania to find cheaper house prices and a better lifestyle.

Recent ABS data confirmed the growing trend. The figures show, the interstate migration of children and adults between 30 – 45 at their strongest level since the GFC.

Melbourne the main gain

Urban and Regional Planning and Policy chair at the University of Sydney Professor Peter Phibbs said the statistics could start to mirror the early 2000s, where there was a surge away from Sydney after a house price boom.

“What we’ve seen is a pattern in Sydney which does respond to house prices. High property prices are a huge problem for people starting a career or a family, and it causes talent to leave – usually to Melbourne.” He said.

In Victoria, the net internal migration statistics show every age group experienced a net increase last year. Those in their 20s led the pack, followed by those in their 30s. And looking at the median property prices and rents, it is not hard to see why Melbourne is proving more popular to families in Sydney.

Sydney too expensive

BIS Shrapnel Senior Manager Residential, Angie Zigomanis said young families could find new land blocks within 35 kilometres of Melbourne CBD, in areas such as Melton or Tarneit, for under $250,000.

For those looking to buy a house, the median Sydney price is now above $1.1 million – $300,000 more expensive than in Melbourne.

For renters, it is also a much more favourable situation in Melbourne. Domain Group data shows house and apartment rents in Sydney at $540 and $520 a week respectively. In Melbourne, the median asking rent was $410 and apartments were $380.

Queensland and Tasmania also popular

Victoria is not the only state attracting young families and couples.

Queensland has also been a location of choice. Brisbane’s median house rent was $400 a week with house prices at $540,760 – less than half of Sydney. Meanwhile the median rent for a house in Hobart is $355 a week.

Original Article Source: Domain news

Toyota C-HR: Leading edge style

When it comes to cars, the better looking a model, the more popular the sales. The industry has known that since year one and makes no exceptions when it comes to the Toyota C-HR.

The latest Toyota is running hot on this theme. It’s pure leading-edge styling puts sports lines on top of SUV layouts.

Priced from $26,990 in front wheel drive manual, the two-tier C-HR line-up is not cheap but makes up for it with its long list of features. (The top model is $35,300.)

The C-HR includes:
• excellent levels of safety (including adaptive cruise control),
• autonomous emergency braking
• lane departure alert with steering control
• automatically dimming high-beam headlights
• reversing camera and front and rear parking sensors.

The C-HR’s suspension is supremely compliant and well controlled. It follows the road faithfully and resists the temptation to crash over harsh undulations, helping the car to feel well planted at speed.

A big feature is interior space. Thanks in part to its 4.36m length, the rear seat is suitable for two adults on longer journeys, or three for around town. The boot offers a wide opening with useable proportions and has a space-saver spare tyre.

Where it’s let down:

On pure spec trim, Toyota might not have ticked every box. The company has moved away from Apple CarPlay and Android Auto in favour of its own phone mirroring software that might not satisfy all tech heads.

Thinking about a new Toyota C-HR?

Our vehicle consultants can help take the hassle out of arranging finance. Get in contact to get started.

Best Used 4WD for Off-Roading

There’s no doubting that 4WD’s are more popular than ever.

But with price tags that typically exceed your average sedan, buying a used vehicle is far more realistic for many of us.

What to look out for in a used 4WD

Even though 4WD’s are built tough, it’s always better to seek a vehicle that has been mostly used in urban areas.

Always insist on a single owner where possible, and as low kms as you can find. If the service records all look good then the only wear should be confined to the brakes and tyres.

If there are any serious-sounding noises no matter how small, get a specialist to have a look as these can be very expensive to repair.

Our recommendation for best value

If you like to get your tyres dirty then there’s nothing like the real thing. The Mitsubishi Pajero is one of the most desirable when it comes to serious 4WD’s.

Like its great rival, the Toyota LandCruiser, the Pajero was made in a huge range of specifications and luxury fittings. Despite their size, they have been developed to drive with the ease of a medium-size car. And all versions of basic to top end are regularly available.

Like all these large serious 4WDs, the seating position is high, there is a tall step-up to get in, the interior space is huge and it has a really spacious boot. For those with a large family, Mitsubishi made a very handy multi-seat version.

Most Pajeros are diesel powered so there will be a clattering from the engine but the fuel economy is quite reasonable. All models have a very large towing capacity to cope with large caravans or boats.

Although these were between $50,000 and $78,000 when new, 5 year old Pajeros can now be had for as little as $20,000 with really impressive ones available for under $30,000.

New Porsche 911 Rules the Road

The latest new generation Porsche 911 has recently hit showrooms.

This head turner offers all the stunning performance of previous 911 sports cars but the range now comes with full emissions and safety compliance. The marque’s high end price tag hasn’t budged, with the new line-up starting at just over a quarter of a million dollars for the basic model.

The evolution of this iconic sports car continues with the arrival of a new twin turbocharged six-cylinder engine.

All about turbo performance

The new 3 litre engine accelerates faster and uses less fuel. It produces 15 more kW (now 309kW) and 60 more Nm (now an even 500Nm).

The latest version’s upgrade includes:
• A powerful new engine.
• Standard adaptive suspension (PASM)
• Bigger brakes with six-piston front callipers
• Wider rear tyres
• Better aerodynamics
• Upgraded infotainment including Apple CarPlay.

Carerra is the pick

The Carrera is the pick of the new range and is a truly excellent car to drive. Every touch point: steering wheel, pedals and seat communicate clearly what the engine, gearbox, brakes, suspension and tyres are doing all the time.

The gearshift is a delight, the engine cuts up and down the rev range, the brakes allow the driver to balance the car with complete confidence.

The new turbo engine does not have any turbo lag. It will roll along at 1800rpm in top gear at 100km/h, then rev well past 7000rpm. And most importantly, in the upper ranges it sounds like a real Porsche flat six.

Thinking about a new Porsche 911?

Our expert prestige vehicle consultants can help take the hassle out of arranging finance. Get in contact to get started.

Make the most of tax-time this year

Tax time can often feel like pulling teeth.

But it’s not all doom and gloom. Check out our top tips to make the most of tax-time for businesses and consumers.

Using your vehicle for business purposes?

Tip 1: $20k Instant Asset Write-Off

The Government recently announced an extension to the popular $20,000 instant asset write-off. This concession enables small businesses to immediately write-off depreciable assets that cost less than $20,000.

A new car or equipment is a perfect fit for the scheme,  so if your business qualifies you may wish to upgrade your vehicle to make the most of this concession. If businesses don’t have the cash-flow to purchase an asset, it can be purchased under finance.

Tip 2: Maximise your Depreciation

Don’t qualify for the instant asset write-off? Then begin by asking yourself the question: Are you still getting the best tax benefit from your vehicle?

Depending on the age of your vehicle, you could be missing out on a better depreciation benefit on this year’s tax return. To ensure you’re getting the best benefit, it might make sense to upgrade to a new vehicle before 30 June.

Individual circumstances may differ, so we’d recommend speaking with your accountant to check if this scheme applies to you.

Consumers & Businesses

Tip 3: Fast-forward your 2017 New Car dream

The annual EOFY sales are typically the best time of year to score a great price on a new vehicle. Why? Car dealers typically end the financial year with big push to reach targets, meaning some impressive discounts are up for the taking.

So if you were considering a new car during 2017 you might want to fast-forward your purchase to get in while prices are at their lowest.

Additionally, with up to 6 weeks delivery on many new vehicle orders, get in quickly or you might miss your chance for a bargain.

Need help with a new car and finance?

Our team is ‘tax-time’ ready to assist. Contact us to find out more.

Disclaimer: The information/advice provided in this article is general advice only. It has been prepared without taking into account any of your individual objectives, financial situation or needs. Before acting on this advice you should consider the appropriateness of the advice, having regard to your own objectives, financial situation and needs.

Most Reliable Cars Verdict: Lexus and Porsche

One of the biggest questions asked in the auto industry is: “What makes the most reliable car?”. According to the world’s largest regular survey, conducted by JD Power the top honour is now shared between Lexus and Porsche. Toyota’s reputation for quality is undisputed by the results. Both the Toyota and Toyota owned Lexus brand have been endorsed, taking two of the top three positions.

Whilst Lexus and Porsche topped the list, the survey also proved you don’t need to spend a great deal to get a reliable car with Kia, Toyota and Hyundai coming highly commended. In fact, some of the expensive brands such as Land Rover, Subaru and Cadillac had troublesome results. Middle of the road results were posted by mainstream Euro makers like Volvo and Audi.

The bottom of the list was held by Fiat Chrysler Automobiles machinery. Fiat was the worst-performing brand, followed by Jeep, Infiniti and Dodge. The result comes as Jeep moves to address sliding sales in Australia by introducing a five year warranty and lifetime roadside assistance.

The good news for consumers? Overall, the latest data shows that vehicles are becoming more reliable despite the ever-growing inclusion of new functionality and technology.

2017 Mercedes E-Class Coupe bounds ahead

The Mercedes-Benz E-Class family welcomes a new member: the all-new E-Class Coupé. Expressive proportions, clear and sensual design and long-distance comfort for four people, the E-Class Coupé combines the virtues of a 4 seater Gran Tourismo with state-of-the-art technology. The new E-Class Coupé features:

• A widescreen cockpit
• The latest in driver assistance systems
• A powerful engine
• Dynamic suspension
• A sporty and agile driving experience

The baseline E220d model comes standard with 19 inch alloys, leather upholstery, Driver Assistance safety package, Online infotainment system (including Android Auto or Apple CarPlay), Parktronic parking assist and a Keyless entry and starting system.

Top of the range

If you’re willing to spend that bit extra on the E400 model, you can expect some additional luxuries including:

• A 13-speaker Burnmester sound system
• Head-up driver display
• A panoramic glass sunroof
• metallic paintwork and privacy glass.

Let’s talk about power

The baseline model is powered by a 1950cc, 4-cylinder turbocharged diesel engine producing 143kW and 400Nm which helps the E 220 d sprint from 0 to 100kph in 7.4 seconds. The more impressive E 300 Coupé is powered by a 1991cc engine producing 180kW and 370Nm, and is paired to the 9G-TRONIC automatic transmission. At the top of the range is the E 400 4MATIC Coupé. It utilises a 2996cc, 6 cylinder bi-turbo petrol engine producing 245kW and 480Nm. It goes from 0 to 100kph in just 5.3 seconds.

And the price?

Prices for each model, excluding on road costs is included below.

• E220d – $96,000
• E300 – $110,900
• E400 4Matic – $145,900

The edgy new Audi Q2 from $41,100

The progressive new Audi Q2 Launch edition launched in Australia in February. With an edgy, unique new style this baby SUV is set to hit a new sweet-spot with a younger demographic of Audi buyers.

It features highly stylised elements like exclusive quantum grey paint, black and Manhattan grey exterior and 19-inch alloy wheels. It also comes with your choice of various engines and transmissions.

Andrew Doyle of Audi Australia said “This new model will exceed customer expectations of how an Audi should look, thanks to its progressive polygonal design.”

It’s all about style

The design is angular when viewed from the front and the large octagonal grille implies strength. The low roofline is eye-catching and slopes into a long roof spoiler which is supported by contrasting blades at the C pillar.

Impressive set of standard features

Even with its competitive pricing, the Q2 will be equipped with an array of standard features:

• Autonomous Emergency Braking (AEB)
• MMI Navigation
• Bluetooth
• Smartphone interface
• Voice control
• Parking system plus with rear view camera
• Automatic air-conditioning with dual-zone climate control
• Leather-appointed seats
• Auto-dimming interior mirror
• A contrasting C-pillar blade
• Either 17 or 18-inch alloy wheels

Priced to entice

The best bit? You can get your hands on a new Audi Q2 for less than you’d expect. The t1.4 TFSI design starts at $41,100 and the 2.0 TDI quattro sport for $47,900.

Used Car Best Buying – 5 Top Tips

1. Buy Through a Reputable Licensed Dealer

It is always preferable to buy a used car through a reputable licensed dealer. We recommend this because dealers have an interest in ensuring that they sell you a roadworthy car, if only to keep their reputation. A franchised dealer (e.g. they also sell new vehicles such as Ford, Holden, Toyota, etc.) is generally the best choice for used vehicles.

If it is a passenger vehicle it will come with a statutory warranty of at least ninety days or 5,000 kms (under 10 years old or 160,000 kms). This provides protection for you in the event that you find a problem with the car when you drive it off the dealer’s lot.

2. Buy as young a car and low kilometres as your budget will allow

It is a fact that the older the car or the higher the kilometres travelled the greater the chance a car will cost more money in repairs and maintenance to keep on the road. A good rule of thumb is that for every year of a car’s age it should not have travelled more than 20,000 kms. So a 3 year old car with 100,000 kms on the speedo is one that has probably worked a little too hard in its relatively short history on the road. It is more sensible to shop for a car with 60,000 kms or less at 3 years of age.

3. Test Drive the Car & Service History

So many people seem to avoid the critical matter of test driving a car before they put down a deposit. Only during a test drive will you identify and unusual squeaks and other unwanted sounds that could indicate mechanical or other problems.

You need to also ensure that the car has been serviced regularly in accordance with the manufacturers’ guidance. Check the log book and confirm that all services have been completed as evidenced by completion of the log book by a licensed mechanic. Such services should also be completed at or around the time / kilometre intervals recommended by the manufacturer. Stay well clear of a car that has missed services or such services have been undertaken via a catch-up service (double up) well after the recommended timing. Missed services indicate poor maintenance history which can inevitably result in a shortening of the expected life of mechanical parts including the engine.

4. Arrange for an Inspection

If you are buying a used car privately then seriously consider having and inspection undertaken by an authorised mechanic. We recommend using the motor associations such as NRMA or RACV before you buy a car privately as it will identify any obvious problems and avoid the risk of you purchasing a headache. If you are buying through a licensed dealer then you may wish to undertake a mechanical inspection prior to the expiry of the warranty. Any issues identified in the inspection report should be provided to the dealer for their rectification before the end of the warranty.

5. Make sure there is no encumbrance on the car

An encumbrance is a legal term for a charge by a bank or finance company over title to the car. You should ensure before you buy a car that you check the Personal Properties Securities Register at www.ppsr.gov.au to do so you will need the VIN (Vehicle Identification Number) which is 17 digits long.

The New Kia Picanto – a great option for millennials

It is very tough at the bottom end of the market. Right now, there is a real fight on between Suzuki’s Celerio and Kia’s Picanto for who can claim Australia’s cheapest car.

The new Picanto is the third generation of one of Kia’s global best-selling cars and it comes to Australia with these real selling advantages:

• European influenced style
• Youthful and energetic design
• Bolder body lines
• Increased colour palette – 11 bright paint options
• New floating touchscreen infotainment system
• More cabin and cargo space than rivals in the same segment
• More customisation inside, with colour options for trim and upholstery

Whilst the new pricing is yet to be released, the current model listed from just $14,990. This puts it in the right category for money conscious buyers who may otherwise be looking at a second-hand vehicle.

Kia says it will reveal full details in April and will go on sale in Australia in the second quarter. Overall, it’s worth a look. Especially for younger buyers who will enjoy the youthful appearance and ability to personalise the car inside and out.

New Triton upgrades start at just $22K

With Toyota’s HiLux ute topping the outright vehicle sales charts last year, Mitsubishi has big hopes for its upgraded new Triton models. Mitsubishi Motors Australia (MMA) insists the new versatile Triton range is better value with all models gaining new specification and features for 2017. This includes Mitsubishi’s smartphone integrated audio system – Smartphone Display Audio or SDA – with a 7 inch colour touch screen which has been added to the top-spec Triton GLS and Exceed for improved connectivity.

The appearance of GLS and Exceed has been enhanced with new dark chrome front grille and headlight garnish, platform-style side steps and 4-spoke leather steering wheel. In addition, Exceed now has an electro-chromatic rear view mirror and heated front seats.

Even the range is extended

At the workhorse end of the range, reversing camera and rear step bumper become standard on Triton GLX double cab pick-up, and for additional off-road ability 16-inch All-Terrain tyres are fitted to GLX and GLX+ 4×4 variants. Triton GLX gains Mitsubishi’s premium audio AM/FM CD system with 6 inch colour touch screen – previously fitted to Triton GLS – and a new design key fob.

Speed sensing auto door lock is now standard across the range and a driver’s seatback pocket is fitted to all Club Cab and Double Cab models for 2017.

Now great value

MMA Executive Director of Marketing Tony Principe said Triton represents smart buying in the LCV segment, attracting private customers with its reliability, toughness and great features: “With All-Terrain tyres, reversing camera and rear step bumper now available on GLX 4×4 manual at $37,000 recommended retail, the 2017 Triton range continues to offer compelling value for savvy light commercial buyers.”

“We’ve upgraded every model in the 2017 range to enhance Triton’s appeal with smartphone connectivity on GLS and Exceed, upgraded audio on GLX and auto air-conditioning on our value-leading GLX+. The 2017 Triton range is equipped with everything LCV buyers need to work hard and get the job done.” He said.

And one of the most attractive aspects of the new range is that the basic model is available from $22,300 but it tops out at $41,500. They are all backed by a 5 year/100,000km warranty.

Alfa Romeo Giulia QV – Sold out before launch

If you’re tempted by the new fiery new Alfa Romeo Giulia QV then you’ll be in for a bit of a wait. The factory claims that the first Australian shipment has already sold out!

Though they’re keeping mum on the exact number, it’s likely that 100 plus Australian orders were already placed before they had even announced the price on January 3, this year. That means, if you’re willing to part with the $144,000 they’re charging, you’ll likely be waiting until at least July this year.

But there’s no wonder the car is causing such a stir. With the sultry Italian design and the grunt of a sports car it resets performance benchmarks in its class.

Fiery Sports Performance

The car’s twin turbo V6 engine gives this stylish and spirited Italian thoroughbred the best power-to-weight ratio. It’s the current sedan king of the legendary Nurburgring circuit in Germany. Late last year, the Giulia QV set a hot lap time of 7 min 32 sec, making it the fastest four door production vehicle ever – faster than its rivals.

It is teamed with a quick-shifting 8 speed automatic transmission that has the smarts to preload downshifts if the driver flicks the paddle before revs have dropped sufficiently for a lower gear. The engine also features cylinder deactivation to save fuel, making it the most fuel-efficient car in its class. It also features active aerodynamics, another first for its class. The front splitter lowers at speed to create best-in-class downforce in all conditions.

Putting Power to the Road

It arrives standard with a torque vectoring system, heralding an ability to improve traction, improved steering response, and vehicle handling attitude. This advanced drive system tailors:

1. Suspension
2. Steering
3. Drivetrain

The all-new Alfa Romeo will come handsomely equipped with:

• 19-inch forged alloy wheels
• Bi-xenon headlamps with Adaptive Front Lighting System and automatic high beam
• Forward Collision Warning with Autonomous Emergency Brake and pedestrian awareness
• Blind-spot monitoring
• Lane departure warning and
• Active cruise control.

Lexus IS350 – A fierce new addition to the luxury market

Lexus has high hopes for strong sales on their new IS range.

The new 3rd generation has been introduced to provide stronger competition in the crowded luxury sedan marketplace alongside its German rivals. They’ve fitted the vehicle out with sleek new interior appointments and an exterior facelift, but the new model also comes equipped with a higher price tag.

As for the changes, here’s what you can expect..

1. The exterior has a more dramatic, angular approach than designs of the past, giving it a fiercer, sharper overall look.
2. As for the inside, the new model comes with a larger, clearer 11 inch screen inside .
3. The F Sport gets rich claret-coloured leather, red stitching and diamond-patterned aluminium trim that adds to the luxury feel. The quality of the seat leather and the craftsmanship of the seats is all class.
4. The new, solid multifunction steering wheel has an impressive sports car feel to it.
5. Every version is equipped with the Lexus Saftey System+ (including features such as lane departure warning, fatigue detective and automatic high-beams).

Where it’s lacking

As per the previous model, the infotainment system needs a bit of work. It’s difficult to use and many of the functions lock whilst the car is on the move. This would be frustrating no doubt for passengers. The drive is a little clunky when driven at slower speeds and on some of the less smooth road surfaces. When driven at speed, this drops away as you’d expect from most luxury vehicles.

The overall changes from the previous model are quite subtle, meaning it’s hard to pick the differences.

Speed and performance

The 233kW/378Nm 3.5 litre V6 power delivers everything a buyer can want. The petrol-electric hybrid powertrain generates 164kW combined and 300Nm. On the road, acceleration is good with Lexus claiming an 8 second 0-100km/h time.

Let’s add up the numbers

Prices are up slightly (under $1,000) across all variants of the new Lexus IS range. Prices start from $59,340 for the 200 Luxury and the most expensive model is the IS350 Sports Luxury at $84,160.

5 Quick tips to reduce fuel costs

If you’re a frequent driver, you’ll no doubt have noticed that petrol prices are creeping up again.

But don’t despair, a few changes in your driving behaviour can actually help to offset these rising prices. Read through our top 5 tips below.

1. Don’t speed
No, really.. slow down if you want to save on fuel costs. Statistically, fuel consumption dramatically increases when your speed goes over about 90 km/h. Using techniques such as cruise control can help maintain a steadier speed which should also help reduce fuel usage.

2. Check your tyre pressure
Few drivers check tyre pressures regularly, but maintaining the maker’s recommended level uses less fuel and lengthens tyre life. It’s easy to keep on top of this because the correct pressure is usually written on a small sticker inside the driver’s door and the air pump at the service station is free!

3. Opt for a smoother drive
Driving at a consistent speed with less starting and stopping is much better for fuel consumption. Sorry peak hour drivers, this can mean sitting in traffic is actually costing you more. You should also avoid unnecessary acceleration and opt for taking your foot off the accelerator when you notice the traffic is stopped ahead of you.

4. Run all your errands in the same trip
This might sound obscure, but your car burns more fuel when it’s warming up. So, if you’re planning to make a few short trips in a day, try to do them with less downtime in between. This will ensure your engine is kept warm, and will burn less fuel getting back to its optimal temperature.

5. Reduce unnecessary weight from your vehicle
Still have those golf clubs in the boot of the car? It could be costing you. The more weight your vehicle carries, the more fuel it uses. So, make sure to take unnecessary items out of your car when you’re not using them.

Kia Stinger bound for Australia

Is there nothing the South Koreans cannot do? It seems every month they announce new models.

Following its global release, the new Kia Stinger has been confirmed for Australia. This sleek, powerful rear wheel drive GT fastback sports sedan is expected to make it into our showrooms by the end of the third quarter this year.

The latest model was designed in Kia’s European studio in Frankfurt under the hand of Kia’s head of design Peter Schreyer. The Stinger is claimed to be an uncompromising rendition of the true GT ethos:

• Nimble
• Fast
• Luxurious
• Quiet
• Perfect balance of ride and handling.

In addition, the Stinger has a 7-year warranty, 7-year capped price service and 7-year roadside assist.

Power with quality

The Stinger will arrive in Australia with the 3.3-litre V6 twin turbo driving the rear wheels through an eight-speed transmission.

While final specifications are still to be settled, the Stinger is expected to produce 272kW of power at 6000rpm and 510Nm of torque from 1300rpm through to 4500rpm. There is an expected 0-100kph time of 5.1 seconds.

Kia Motors Australia Chief Operating Officer Damien Meredith, said:

“This is a car you cannot help but be excited by. It has all the attributes to appeal to the Australian enthusiast: exciting design, a high-tech performance engine and gearbox combination and rear-wheel drive.”

Audi’s incredible SQ7 in showrooms at $154K

The family car for power enthusiasts is here. The world’s fastest 7-seat diesel SUV is set to stamp its authority on the performance SUV scene. The luxury of ample internal space and remarkable comfort is not all you can expect.

Employing a revolutionary 48v electrical architecture, the incredible new Audi SQ7 challenges the laws of physics.

Acceleration of a sports car

The twin turbo V8 engine fuels the SQ7’s ability to reach 100 km/h in an impressive 4.9 seconds!

The engine which claims to reduce turbo lag altogether, combines:

• 320 kw of power
• 900 Nm of Torque, and
• an electric powered compressor

With all that power, you’d think it must burn through fuel, but the opposite is the case, with fuel consumption is frugal at 7.2 litres per 100km.

Andrew Doyle, Managing Director, Audi Australia, said:

“For our customers, this extraordinary vehicle will fulfil the desire for the latest innovative technology solution, at the same time as delivering unmatched versatility in a highly attractive value package.”

If you’re all about the grunt, then it’s worth a look.

Used value: Nissan 350/370 sports convertible

Nothing, absolutely nothing, shouts louder in summer than a real sports convertible with the hood down. And the Nissan 350 and later 370 models say it all. They may not have the badge of some over-rated Europeans but in reality, they’re high value: performance, comfort, and Japanese economy.

Like all convertibles, the price is a little higher than their counterparts – but if you avoid reselling in the winter months, the depreciation can be very little. The 350Z arrived in Australia in 2003 and has an Italian look which has not dated to this day. Many enthusiasts say this is a modern-day classic.

The 350Z was replaced by the 370Z in 2009. The lightweight suspension reacts nicely even when the road is comparatively rough.

Style is everything

The last model released was all about is getting the styling right. The 370Z shape is different to the 350, not quite retro nor modern. The long nose and short tail, the slope down of the roof that begins all the way forward at the top of the windscreen, and of course small rear-three quarter windows.

Nothing beats power

At the heart is real performance. The 3.7 litre V6 develops a very handy 245kW of power, giving plenty of punch alongside the sort of throttle response every keen driver demands. Handling is excellent as the lightweight suspension reacts nicely even when the road is rough.

The 370Z convertible has a single touch fast folding lined roof whereas the 350Z roof had to be manually locked in. It also has a glass rear window, which wears a lot better than plastic.

If it all comes down to money, this is what you can expect to pay:

• $14,000 – $20,000 for the 350 versions (around 10 years old).
• No less than $18,000 for the first of the 370 models.
• Up to $55,000 for a 2-year-old 370 Roadster convertibles.

0% Finance: The hidden cost

It’s easy to be tempted by the appeal of a 0% finance deal – but are these offers too good to be true?

News Corp Australia recently conducted an independent investigation into dealers advertising 0% finance and found the reality to be very different than what you might expect. In fact, the investigation found that buying a car on a 0% interest rate deal can end up costing you a great deal more.

Beware the attention-grabbing headline

Firstly, it’s important to understand that often these 0% finance offers are used as a tactic to lure customers into showrooms. The deals tend to be available on the less popular models, or those nearing the end of their line.

The vehicle can end up costing you more

That’s right, you’ll usually lose your ability to negotiate on the vehicles price on a 0% finance offer. The deals are typically offered on vehicles sold at full recommended price, including all on-road costs.

Buyers should also be warned that many low interest rate offers are only available over 3 years. This means the monthly repayments may be higher than that over a longer-term loan with higher interest.

Other common catches

Alongside the older models and more expensive purchase price, watch out for these other catches:

• The offer is often only available on older stock
• You could find yourself with a less generous trade-in offer
• Not always available on vehicles with upgrades and add-ons.
• Less flexibility with loan terms and balloon payments

How to drive a real bargain

Make sure you do your homework before purchasing on 0% finance offer. Compare the costs between loans including those available outside the dealership. Also, ask if the low finance rate is attached to the price of the car and if the price of the car is also negotiable.

VW Amorak gets a powerful new upgrade

Six and a half years after its debut, the Amarok has been updated, both technically and visually.

The main update can be found under the bonnet, where Volkswagen has given the ute a new powerful, fuel-efficient 6-cylinder TDI engine.

It also comes with:

• A more athletic front end,
• A more upmarket feel
• A new dash layout
• Ergonomic, electrically adjustable seats,
• New infotainment functions
• Safety features such as the Multi-Collision Braking System

The new Amarok V6 will initially be available in the high-spec Highline range and Ultimate model. Both versions have a high level of safety features. Occupants are protected not just with driver and front passenger airbags, but with side and thorax airbags as well.

The design is in line with the latest Volkswagen design themes. The way the front section is divided is completely new with both the front and the interior more striking and pronounced. Overall this makes it more attractive as a ute and also appeals to customers moving from the traditional SUV segment.

At a length of 5.25 metres and a width of 2.23 metres (including the wing mirrors), the Amarok meets all the expectations of a classic ute.
Despite its large size, getting into the Amarok is easy with doors that swing open wide and grab handles on the A and B pillars which help passengers climb into the cab.

The torque of the V6 diesel engine satisfies demand for greater traction at low revs and results low fuel consumption. The power level is 165 kW, providing sufficient propulsive and towing power for any situation.

At higher speeds, the long top gears of the automatic transmission reduce the engine revs and lower fuel consumption, thus helping to cut vehicle noise and lower CO2 emissions.

Pricing starts at $59,990.

Used value: European pocket rocket

Absolutely nothing is as much fun to drive as a European pocket rocket.

All the leading European manufacturers produce them and the intense competition has resulted in a large range of very impressive models.

Fortunately, like all European cars, they depreciate quickly, meaning you can get your hands on one for a good price. For between $10,000 and $20,000 it is possible to get behind the wheel of an incredibly fun machine – a car that is sure to put a smile your face.

What makes a pocket rocket?

• a small 2-door car,
• a 2 litre engine up the front,
• big brakes fitted, and
• a taut suspension

The result is excellent performance matched with really enjoyable driving.

Whilst these light cars are great with fuel economy, future buyers must be warned that they tend to have minimal rear seat and boot space. Some are so small, that there is no spare wheel – just a pressure bottle of puncture sealant.

The famous VW Golf GTi sets the standard for Euro pocket rockets with every justification. But of course, the VW GTi is expensive. You can expect to pay top dollar for a second hand model with full service records.

Closely behind this class-leader are the cars from Renault and Peugeot. A good range of engine options are available from both. Due to the intense competition from their German rivals, they have been making every effort to stay in the race, meaning their models in this category are both very good. Additionally, their styling is a lot more distinctive and has its own appeal.

All 3 manufacturers offer cars that are really different from the usual. A true pocket rocket that gives great power (even up hills), economical on the highway, easy to park around town and takes up very little space on the driveway.

Next generation Commodore revealed

No need to wait any longer. Holden has revealed the first images and further detail on the new Commodore ahead of its Australian launch in 2018.

Holden has confirmed a raft of premium technologies will make Commodore the most technologically-advanced Holden ever.

The next-generation Commodore will have:

• European V6 engine with four wheel drive.
• Potentially life-saving safety technology features
• Active driving technology
• Seamless infotainment
• Cutting-edge all-wheel-drive system channelling 230 kilowatts and 370 newton metres to the road
• Adaptive suspension technology
• 9 speed automatic transmission
• Torque-vectoring all-wheel drive

The new model is built in Germany by Opel with input from GM Holden’s team. The all-new Commodore will make driving safer, easier and more connected than ever before.

Holden’s Executive Director of Sales, Peter Keley, said:
“Customers are expecting more of their vehicles than ever before. The all-new 2018 Commodore redefines the level of technology people can expect, and how tech can help our customers be safer, more involved and more connected than ever before. “

New year, new car

January is really the time to swoop on a genuine new car bargain.

The situation is perfect: dealers simply cannot hang onto 2016 plated cars any longer. The 2017 plates arrive to the car yards during the month of January so the older models have to be sold. That’s why the annual January sale is serious.

To clear last year’s stock, dealers will go much harder on price. That means, you can get a better deal than most other times of year.

The best bargaining approach is to seek a good price and then bargain it down, right down. Don’t be shy – the fact is, when you’re buying in January you are in the right place at exactly the right time.

Concerned you’re not getting the latest model? Don’t be. The late 2016 cars are exactly the same as this month’s 2017 cars, the only difference being the price.

Make your move and grab a bargain.

Being a winner on Linkedin

More and more job seekers are turning to Linkedin each year in the hope of attracting the eye of a new employer.

While it might seem like a lot of effort, there are a chosen few who do get great results. The reason is their precise skills are what most well-paying employers are looking for.

And to accurately identify the skills most in demand, Linkedin researched exactly what the top jobs need. And the results reveal that the skills in demand by employers are changing rapidly.

The Top 10 Skills of 2016 are:

1) Statistical Analysis and Data Mining
2) SEO/SEM Marketing
3) Middleware and Integration Software
4) HR Benefits and Compensation
5) Network and Information Security
6) Mobile Development
7) User Interface Design
8) Web Architecture and Development Framework
9) Algorithm Design
10) Corporate Law and Governance

Cliff Rosenberg, the Australian head of Linkedin, says the technology disruption is behind the change, “Our data strongly suggests that tech skills will continue to be most in demand. However, professionals also need soft skills to succeed as organisations are looking for well-rounded skill sets.”

Soft skills are also difficult to find compared to technical, according to a survey of hiring managers by Linkedin. The majority (63%) of hiring managers say they find it harder to find professionals with soft skills. And they define soft skills as teamwork, ownership and problem-solving. Most hiring managers (65%) believe that not being able to find soft skills limited productivity.

And human resources decision-makers say it is difficult to fill leadership positions because of that soft skill shortage. Critical soft skills missing or under-developed include empathy, problem solving and creativity, and fostering collaboration and innovation.

Skoda Octavia RS230 – for the enthusiast

The most powerful production Octavia to date, the RS 230 has arrived. It embellishes the already highly-rated Octavia RS with a stronger engine, unique styling, and the latest comfort and technology. The RS model is Australia’s best-selling Octavia, comprising an impressive 40% of all Octavia sales.

Škoda Australia Managing Director Michael Irmer said that this limited edition had been obtained with a view to rewarding enthusiasts: “The RS 230 has more power, a stronger spread of torque and – of course – a slick six-speed manual. We have obtained 70 in both sedan and wagon form so far, but are looking to secure more. Consider this also a preview of future editions of the Octavia RS.”

The RS 230’s power performance is underlined by advanced driver controls. The RS 230 is the first Škoda to be fitted with electronically controlled front axle inter-wheel lock (VAQ). VAQ allows the driver to direct 100 percent of the power to one front wheel, providing the vehicle with more traction and grip to exit a corner. This in combination with electromechanical, progressive power steering produces an effortlessly agile ride.

Drivers can also customise their vehicle’s handling characteristics at the push of a button with standard Driving Mode Selection in the RS 230. The four driving modes (Normal, Sport, Eco and Individual) each optimise features to their corresponding driving styles

The RS 230’s styling features glossy black design elements give the vehicle a fierce and striking look, including the 19” Xtreme alloy wheels, rear spoiler, door mirrors, front grille and exhaust tailpipe. The black exhaust tailpipe and the rear spoiler are exclusive to the Octavia RS 230, as is a lap timer function in the car’s colour multifunction display.

The sports seats are electrically adjustable with memory function, which allows drivers to store their favoured seating positions in their car’s memory and return to those positions at the press of a button. The seats are also specially designed with great lateral support to maximise the ergonomic comfort of the occupant. The RS 230 also comes standard with Adaptive Cruise Control, Dual-Zone Climatronic Air Conditioning and an 8” touchscreen Columbus infotainment unit with satellite navigation and Smartlink (Apple CarPlay & Android Auto) connectivity.

Pricing for the limited-edition Octavia RS 230 manual sedan is from $41,490 and as a wagon from $43,190.

It’s the savvy buyers time to get a Bargain

If you think you’re busy preparing for Christmas, then spare a thought for the Car Business. They are now in a period of limbo as customers stay away from the car showrooms while they’re busy enjoying the festive season.

The only trick of the trade they have for keeping sales strong is lowering prices. And, in the push to shift what’s left of the stock of 2016-plated cars before next year arrives, it’s an easy decision to make.

Out they must go and that is where smart buyers can take advantage of some of the lowest prices around. It’s all about moving quickly to maximise your savings, but the time left to take advantage of these sales is quickly slipping away.

Every year it happens, Christmas comes along and consumers think about things other than cars. This means Dealer sales drop and they don’t want to get caught with a left-over stock of cars which have 2016 plates. The result is pricing come down and some really good deals are out there.

The time to move on this is now. Dealers must maintain their monthly targets and are forced to try much harder with better prices being their usual attraction.

The best buyer bargaining approach is to seek a good price and then bargain down, right down. The fact is you are very much in the right place – at exactly the right time.

And remember, next January’s cars with 2017 plates are exactly as good as this month’s cars with 2016 plates…but the price will be in your favour!

Mercedes announces 2017 E-Class technology

Mercedes-Benz has announced the details of the two new E-Class variants:
• the E 350 e Plug-in Hybrid, and
• the AMG E 43 4MATIC.

Both new variants take the famous E-Class Mercs into the next generation of technology with leading edge performance, consumption economy, and emissions at class-leading levels. They go on sale in early 2017 starting at over $130,000.

Horst von Sanden, CEO Mercedes-Benz Cars Australia/Pacific said: “Our new E-Class has raised the industry benchmark when it comes to new technologies, and these outstanding new variants are no exception. Following the successful introduction of both our Plug-in hybrid and AMG 43 models, we can’t wait to offer this technology and performance in the all-new E-Class early next year.”

The new models include the 9G-TRONIC 9-speed transmission which will be featured in a Plug-in Hybrid vehicle, with the new E 350 e. Its 4 cylinder petrol engine, in conjunction with a powerful electric motor, offers a combined system output of 210 kW and up to 550 Nm of torque, as well as exceptional performance figures of 0 to 100 km/h in just 6.2 seconds.

The E 350 e also boasts impressive consumption credentials, using just 2.4 litres per 100 kilometres, while offering a guilt-free all-electric range of up to 30 kilometres. The new E 350 e is equipped with Air Body Control air suspension, panoramic glass sunroof and a pre-entry climate control system as standard, this ensures exceptionally cabin air conditioning at all times.

For the new AMG E 43 4MATIC, Mercedes-AMG has upgraded the six-cylinder engine’s output by 25kW to a maximum output of 295 kW with the aid of two larger turbochargers and sophisticated software applications. Peak torque of 520 Nm is available right from 2500 rpm and guarantees performance on par with smaller sports cars: the new E 43 4MATIC hits 100 km/h from a standing start in just 4.6 seconds.

Fusing sports car performance with refined comfort, the new E 43 4MATIC has a host of features in addition to the standard E-Class specification including Nappa leather upholstery, AMG body styling, AMG 4MATIC all-wheel drive system, 20-inch AMG wheels, sports exhaust system and sports braking system.

As with all E-Class variants, the new E 350e, and AMG E 43 4MATIC have a 5 star NCAP safety rating, and 9 Airbags, an Active Bonnet 360° camera and the Driver Assistance Package.

Pricing details are: E 350e Plug-in Hybrid $131,600 and AMG E 43 4MATIC $159,900.

New 3.0 litre twin turbo V6 Infiniti Q50 is now on sale

Infiniti has announced is latest model – the Q50 with the big turbo 6 cylinder engine, is now available in its dealer network. The model boasts: Two peak output levels available: 298kW and 224kW, Next-generation Direct Adaptive Steering™ (DAS) leads technology enhancements, along with new rack electronic power steering system. New Dynamic Digital Suspension (DDS) offers engaging ride and handling options. And the new Q50 Red Sport, with 298kW twin-turbo V6, heads line-up of four engine options – including petrol-electric V6 hybrid, four-cylinder turbo-petrol and four-cylinder turbo-diesel.

When the Infiniti Q50 sports sedan was introduced in 2014, it was big news both for its dynamic styling and its suite of exclusive technologies such as its world’s first Direct Adaptive Steering, Active Lane Control and Predictive Forward Collision Warning. Now, two years later, the Q50 is posed to shake up the status quo in the segment once again with an extensive list of enhancements, starting with two new turbocharged engines and a range of new chassis technologies.

Although appearance of the 2016 Q50 is largely unchanged, there are bold new engine selections waiting behind the signature Infiniti double-arch grille and wide hood. This Infiniti is now offered with four engine options: 2.0-litre turbo-petrol I4, 2.2-litre turbo-diesel I4, 3.5-litre V6 petrol-electric hybrid, All-new 3.0-litre twin-turbo petrol V6, available in two output levels: 224kW / 400Nm and 298kW / 475Nm.

As well as advanced engines, transmissions, steering and suspension, Infiniti is confident the interior comfort is also class leading. It boasts: 10-way power driver’s seat with adjustable thigh support and lumbar extension, 8-way power front passenger seat, Automatic dual-zone climate control with in-cabin micro-filter, digital display, automatic recirculation and rear air vents, Automatically dimming rear view mirror, Infiniti Controller mounted on the centre console, Intelligent i-Key with smart access and enhanced memory (each key memorises the driver’s seat position, exterior mirror positions, steering column position, climate control settings, audio settings and navigation settings, personalising the car for each driver), Leather appointed seat trim, steering wheel and shifter knob, Power-adjustable steering column (tilt and telescopic, with entry/exist assist linked to the car’s i-Key) and Sun roof with tilt and slide functions.

Pricing ranges from $52,900 to $75,850.

Toyota Rav4 – the 2016 upgrade

You’re looking at the best selling SUV in Australia. The RAV4 has just become the first SUV here to hit 250,000 sales. The original RAV4, launched in 1994 as a funmobile for 20-somethings, can rightly claim to be the original compact SUV. It has since gone through four generations and developed into a family-sized all-rounder ideally suited to 30-somethings with a couple of young kids.

This model gets sharper sheet metal for 2016, plus new cabin decor, updated multimedia and worthwhile safety improvements. RAV’s new look includes a front end on steroids, LED lights all around, tauter profile and new wheels — the mid-spec GXL gains classy black 18 inch wheels. The GX basic pack still wears 17 inch steel wheels and looks all the more dumpy for it. Inside, the dash introduced in 2013 remains, still with a bold leading edge that creates a cavernous black void beneath, all with many buttons and switches.

The GXL and Cruiser gain a bright, informative instrument panel, with a 4 inch TFT display in the centre. RAV’s 6 inch multimedia touchscreen is simple enough to operate, it is also easy to pair a phone and the voice control speaks your language most of the time.

Cruiser’s power-adjustable driver’s seat gives excellent support, though some will find the firm cushion bolsters tight on the thighs. Rear legroom is the best in class and the long, firm bench, with an adjustable backrest, is well suited to child restraints.

Cruiser’s power-operated tailgate gives access to a low, easy-to-load floor with a space-saver underneath. There is no less than 577L of cargo volume with all seats occupied, which is at the more capacious end of the class.

Drop either side of the 60-40 split-fold rear seat forward and there is a flat 1.8m long floor, so you can almost move house with the RAV.

Toyota has programmed a responsive launch feel into the ECU response management, so this new RAV4 jumps away smartly at the lights due to its 2.5 litre 4 cylinder and 6 speed auto trans. It is also frugal returning as little as 9 lt/100kms which is good for a 1600kg AWD petrol wagon in traffic. Regular unleaded is recommended.

Price from: $49,490 plus on-roads.

Land Rover reveals new Discovery

Discovery is highly desirable with unrivalled capability and technology. It has been designed from the outset to enable Land Rover customers to live the lifestyle they aspire to. The factory claims the result is the best family SUV in the world. The leading features include: full-sized, three-row, seven-seat SUV with unbeatable capability and versatility with a Td4 seven seat diesel also available.

The factory says these are the main themes that guided the new vehicle’s development:

1. Flexible interior provides seven full-sized adult seats, instantly configurable from your smartphone using the world-first remote Intelligent Seat Fold technology.

2. Semi-autonomous safety technology provides the family peace of mind. And the premium interior combines leading design with durable, high-quality materials and space for the whole family.

3. Lightweight aluminium construction saves 480kg, delivering enhanced efficiency and low CO2 emissions even with the 177kW, 4 cylinder diesel engine with 500Nm of torque. (Best-in-class 3,500kg towing capacity and semi-autonomous Advanced Tow Assist take the stress out of difficult reversing manoeuvres.)

4. British creativity designed with charm & sophistication. Design retains key Discovery family cues, adding optimised proportions and sophisticated surfaces.

5. Storage of up to 2,406 litres of luggage space and clever storage for 21st century family essentials.

6. Hi-tech features that make life easier such as the Discovery equipped with up to nine USB ports, six 12-volt charging points and an in-car WiFi hotspot for up to eight devices.

The trademark design features include the stepped roofline, which has identified each of the four previous generations of Discovery and provides an elegant solution to a practical need. The stepped profile optimises headroom for passengers travelling in the third row of seats. It also accommodates Discovery’s customary stadium seating configuration, which sees each row of seats positioned higher than the one in front, ensuring every seat is to top standard.

No pricing has been announced.

Now is the time to take advantage of 2016 plates

Every year it happens, Christmas comes along and consumers think about things other than cars. This means Dealer sales drop and they don’t want to get caught with left-over stock of cars which have 2016 model plates. The result is prices come down and some really good deals are out there. Don’t miss out as timing is everything.

The time to move on this is in November when foot traffic in Department Stores begins to rise and car showrooms notice the drop in sales enquiries. Dealers must maintain their monthly targets and are forced to try much harder with better prices being their usual attraction.

This annual mass sharpening of the pencils to write better deals is forced on the trade by the factories who insist that monthly deliveries are maintained. Suddenly the High Street sales staff are all noticeably nicer to every enquiry and very much open to talk turkey.

The best buyer bargaining approach has to be to make the enquiry in November and play it cool, insisting on the no-real-hurry routine. As the sales person begins to chase just go for a better and better bargain. The fact is you are in the right place at the right time. in the right place at the right time.