You’ve got your eye on a car and you’re ready to purchase it for that fantastic driveaway price, but it’s important to understand the costs before you drive off into the sunset.


Purchase price

Whether you’re buying from a dealership or privately, your new vehicle’s purchase price may or may not be negotiable and you need to understand how far your budget will stretch. Determining what you will use the car for will help you decide whether a new or used vehicle is more suitable. A brand-new car may have a more expensive sale price, but a used car is likely to have higher or more unexpected maintenance costs. If you’re unsure, consider how often you will use the car. If you intend to use it on a long-term basis, the car’s reliability will be important.


Vehicle inspection

As used cars can present the unknown, you should thoroughly inspect the car. Even if you know the ins and outs of the vehicle, it’s worth having it checked by a professional to help you estimate potential maintenance costs and spot crucial details, such as possible safety issues. You should also arrange a test drive to put the car through its paces and make sure that it’s suitable for you.


Dealer delivery

Dealer delivery is a dealer-defined cost that covers all the expenses involved in preparing the car for sale. These details may include mechanical checks, administration, car washing and valeting or car holding. Dealer delivery is not the cost of getting the car to the dealer and you may be able to negotiate the amount. If the car’s price is significantly cheaper than a comparable vehicle elsewhere, the dealer delivery costs may be detailed in the fine print as the ‘plus on-road costs’ so be sure to check to avoid any surprises.


Stamp duty

Brand-new and used cars incur a government tax known as stamp duty, which is based on the value of the vehicle. Stamp duty varies across states and territories, but for a new car most dealers will include this cost in the purchase price.


Ongoing costs

You’ve chosen your new car, signed all the relevant documents and you’re ready to drive it home. However, remember that your car will still have various ongoing costs which include, but are not limited to:

  • Registration
  • Compulsory Third Party Insurance
  • Comprehensive Insurance
  • Fuel
  • Road tolls
  • Servicing and maintenance, as per manufacturers recommendations
  • New tyres
  • Parts and repairs
  • Loan repayments (if applicable)

Use our handy calculators to manage your budget and expectations.  


We’re ready to help you


Need a car loan?

If you need a little extra help financing your new wheels, our Fixed Rate New Car Loan or Fair Rate Personal Loan can help you drive away your dream car. Apply online or contact us.


Crave a stress-free car purchase?

If you’re looking to buy a car without the hassle of visiting multiple dealerships, haggling prices or feeling pressured, utilise our free car buying service. Contact National Car Search Australia directly on 0433 228 265 or via


Don’t forget your insurance

Once you have purchased insurance, you can relax and enjoy the drive. Allianz Motor Insurance through G&C Mutual Bank provides an excellent range of features and options that can be tailored to suit your needs.* Get a quote online or contact us.


Not sure about your financial situation?

Book a free Financial Health Check or connect with one of our Mobile Lenders to discuss your financial needs. We understand that you’re busy, which is why our Mobile Lenders are available to meet at a time and place that’s convenient for you. 


*G&C Mutual Bank arranges/and or refers this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision, please consider the Product Disclosure Statement available from here. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services.