Buying & finance process
Eyeing a new release? How to research it and budget for it
26 September 2026 · 5 min read
Every year brings a fresh wave of new cars, utes, hybrids and EVs to Australian showrooms. A new release can be exciting, but new also means less real-world information to go on. Here's how to research a new model properly and build a budget that covers the true cost of owning it.
Go to the source for Australian details
Specifications, variants and pricing can differ between countries. Use the manufacturer's Australian website and local dealers for confirmed local details, and treat overseas launches and previews as a guide only.
Check safety and efficiency information
ANCAP publishes safety ratings for many new vehicles sold in Australia, although a brand-new model may not have been rated yet. The Australian Government's Green Vehicle Guide lets you compare fuel consumption and emissions information.
Read and watch local reviews
Australian reviews and road tests show how a model handles local conditions, and owner feedback builds up over time. Test drive the car on roads you actually use before committing.
Budget for the full cost of ownership
For a new release, think beyond the sticker price:
- Drive-away price, including on-road costs
- Insurance, which can be higher for some new models
- Servicing costs and intervals
- Charging equipment or installation if it's an EV or plug-in hybrid
- Depreciation, which is often steepest in the first years
Plan the finance early
If demand is high, stock can be limited and deliveries may take time. Having a pre-approval in place helps you move when your car becomes available. Keep in mind that approvals are valid for a limited time and are subject to the vehicle you choose. If you're weighing up whether to wait for a new model at all, see our article on waiting versus buying now.
General information only
This article is general information only. It does not take your personal circumstances into account and is not personal credit, legal, tax or financial advice. Vehicle availability, pricing and specifications are set by manufacturers and can change. All finance is subject to lender assessment and approval.
The Finsterl view
Once you've found the right new model, we can help you line up the finance so you're ready when it lands. Call the Finsterl Finance team on 1300 508 827 or send us an enquiry. All finance is subject to lender assessment, eligibility criteria, terms and conditions.
Related finance
All finance is subject to lender assessment, eligibility criteria, terms and conditions. Rates and fees depend on individual circumstances.
Run the numbers
Estimate your repayments
Estimates only, but a good place to start a real conversation.
A balloon lowers the monthly repayment but increases total interest paid.
Estimated monthly repayment
$933.91
$215.68 per week equivalent
Amount financed
$45,000
Balloon at end of term
$0
Total of repayments (incl. balloon)
$56,034
Excludes lender and broker fees, which vary by lender and product.
This calculator provides estimates only and does not constitute financial advice, a finance approval or a guarantee of business performance. Actual repayments, costs and business outcomes may differ.
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