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Buying a Car in Australia: Buy, Finance or Lease? (Financial Adviser Explains)
In this video, a licensed financial adviser explains the key things you need to know when buying a car in Australia and compares the real cost of each option buying outright, financing with a car loan, leasing, and Guaranteed Future Value (GFV) balloon deals.

If you’re wondering how to buy a car in Australia, this guide walks through:
Buying a car outright vs financing
Car loans and interest costs in Australia
Leasing a car and when it may (or may not) make sense
GFV balloon deals and why dealerships often promote them
The long-term cost differences between each option
How car depreciation, interest rates, and cash flow affect your decision

This video is designed to help Australians make informed decisions when buying a new or used car in Australia, whether it’s your first car, a family vehicle, or a replacement car. The focus is on understanding total cost not just monthly repayments and choosing the option that aligns with your financial situation and long-term goals.

Topics covered include:
🚗Buying a car in Australia explained
🚗Buying a used car vs a new car
🚗How to finance a car in Australia
🚗Car buying tips Australia
🚗Car loans, leases, and GFV balloon payments
🚗Financial considerations before purchasing a car

👉Remember: Always look at the total cost, not just the monthly repayment and if you’re unsure, speak with an independent professional before signing anything.

👉 Everyone’s circumstances are different, so always seek personal advice before making big financial decisions.

Keywords:
buying a car in Australia, how to buy a car in Australia, car buying Australia, buying a used car in Australia, buying a new car in Australia, how to finance a car in Australia, car buying tips Australia, financial adviser Australia

Chapters
00:00 Introduction – Buy, Finance or Lease a Car in Australia?
00:27 General Advice & Financial Disclaimer
00:55 Buying a Car Outright – Pros and Cons
01:23 Car Loan Financing Explained
01:52 Leasing a Car in Australia – What You Need to Know
02:23 GFV (Guaranteed Future Value) Explained
02:55 Hidden Costs Dealers Don’t Explain
03:24 Lease vs GFV – Key Differences
03:51 Which Option Is Cheapest Long Term?
04:21 Example: Paying Cash vs Taking a Car Loan
04:53 Opportunity Cost & Investment Impact
05:22 Risks of Car Loans in Australia
05:53 Choosing the Right Option for Your Situation
06:27 Final Advice & Key Takeaways
06:59 Closing Thoughts

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Melanie Davies (ASIC# 1248363) and williamgrant Financial Consultants are Authorised Representatives of WGFC Pty Ltd (AFSL 515748).

Melanie' s Financial Services Guide is here:
https://www.williamgrant.com.au/wp-co...

Financial Adviser Register is here:
moneysmart.gov.au/financial-advice/financial-advisers-register

REMINDER. Melanie's content is general in nature and doesn't constitute financial, product or investment advice specific to your situation.

Disclaimer
This video is general in nature and is provided for general information purposes only. It does not take into account your personal financial situation, objectives, or needs. Before making any financial decision, you should consider seeking advice from a licensed and qualified financial adviser to ensure the information is appropriate for your circumstances. Past performance is not indicative of future results.

If you found this video helpful, please consider liking and subscribing for more practical explanations around buying a car in Australia, personal finance, and financial decision-making.
Feel free to leave a comment if there’s a topic you’d like covered in a future video.

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