Hi All Just bought a Kx-R 2wd 7 seater Silver Pearl Dec 09 with Tow bar, roof racks and mats from Sydney. My husband is going to get a monthly car allowance and we are not sure which finance option to go with. Our accountant was really hopeless!!! When I tried to speak with him he basically said pick a car, buy it however which way you want and then we will work out the tax for you. Arrggghhh! very frustrating when you want someone to give a knowledgeable opinion. My husband is going to get $1k per month car allowance, petrol and etag is on top of this. We have intentions of keeping the car for my use after the lease/hire purchase period. In saying that no residual at the end would be ideal. However, does a novated lease work out financially better with a residual, seeing that it is a pretax calcualation. I am so confused. Hoping someone in Toyota land can help me. many thanks Nada PS I love the club, think its great and we are so excited about picking up our first ever brand new car. Klugers are such nice cars