Deciding between leasing and buying isn’t always straightforward once fees, residual values, and loan terms come into play. Our lease vs buy car calculator removes the guesswork. Just enter the vehicle price, term, interest rate, and residual value — your total costs, side by side. Instead of relying on rough estimates, you’ll get a clear picture of what each option actually costs over time. It’s based on your own numbers, not a generic example.
It’s a fast way to see whether leasing or a car loan suits your budget better. Want a second opinion? Our brokers can walk you through the numbers and help you land on the right option.
It estimates your regular lease payments based on the vehicle price, term, and residual value, so you can see what leasing would cost before you commit.
It compares two options side by side — lease payments plus a residual value, against loan repayments that build toward full ownership — rather than just calculating one repayment figure.
Leasing means paying to use the car for a set term without owning it, usually with an option to buy it at the end. Buying means the car is yours once the loan is paid off.
It depends on the vehicle, how long you keep it, and its residual value — there’s no single right answer, which is exactly what this calculator helps you check.
You’ll typically choose to pay the residual value and keep the car, hand it back, or move into a new lease.
Leasing is common for businesses, and some arrangements carry tax advantages, but personal leasing is available too — it depends on your circumstances rather than a fixed rule.
No — equity only builds if you buy the car, either upfront or through a loan. Leasing is paying for use, not ownership.
We compare car loan and lease options across 52+ lenders, so you’re deciding based on real numbers rather than assumptions.
Credit Hub Australia
Join our dynamic team at Credit Hub Australia as a Finance/Mortgage Broker in our conveniently located Point Cook office, close to the freeway and train station, with free parking available.
In this role, you will be responsible for providing personalised mortgage solutions to our valued clients and also managing your colleagues by co-ordinating the allocation of files and general day to day running of the broker team. With a focus on delivering exceptional customer service, you will guide clients through the entire mortgage process, from initial application to final approval.
“Position is for Mortgage broker on commission/contract basis.”
Sales, cold calling, and networking come naturally to you. You thrive on engaging with prospective clients to understand their unique financial needs and goals.
You will act on leads and existing database as provided and generate sales and ongoing relations.
Actively participate in team meetings and contribute to the overall success of the business
You are an existing broker with proven experience in Mortgage Broking or lending abilities, or in a similar financial services role looking to take your career further with a successful Mortgage house.
In-depth knowledge of the Australian mortgage market, including products, policies, and regulatory requirements.
Excellent communication and interpersonal skills, with the ability to build lasting relationships and earn client trust.
A strong commitment to delivering outstanding customer service and consistently exceeding client expectations.
Self-motivated and capable of working independently, while also thriving in a collaborative team environment.
Relevant industry qualifications, such as a Certificate IV in Finance and Mortgage Broking.
Ability to manage multiple tasks, stay organized, and work reliably without supervision.
A results-driven mindset with a strong sales focus, coupled with exceptional work ethic, time management, and multitasking abilities.
At Credit Hub Australia, we are committed to providing our team with a supportive and rewarding work environment. Some of the key benefits of joining our team include:
Credit Hub Australia is a leading provider of mortgage and finance solutions, with a strong presence in the Point Cook in the Western Suburb of Melbourne and surrounding areas. Our mission is to empower our clients to achieve their financial goals by delivering personalised, expert advice and exceptional customer service. We are a dynamic and growing team, driven by a passion for helping our clients and making a positive impact on our local community. We are with Finsure as an agrregator Group.
If you’re ready to take the next step in your career as a Mortgage Broker, apply now to join our team at Credit Hub Australia.
