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Salary Sacrifice Car Leasing Explained - What is Salary Sacrifice?

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Salary Sacrifice Car Leasing Explained - What is Salary Sacrifice and how does Salary Sacrifice Car Leasing differ from standard car finance?
A salary sacrifice lease car is a scheme allowing staff members to drive a brand-new car for a portion of their salary. So salary sacrifice basically means that you give up a portion of your salary to have it used to buy a benefit for you. The main benefit of it is that you are not paying tax and national insurance on that income in the first place meaning that an electric car salary sacrifice scheme can potentially be very attractive to a 40% taxpayer as things currently stand.
In this one we compare a hypothetical private car lease against a salary sacrifice car lease. These salary sacrifice car leases often make most sense to 40% taxpayers and above but then it really needs to be an electric vehicle or EV to make it worth while. Salary Sacrifice on an EV is a great idea for a lot of people (but not all) so we also examine those cases where it may not be the ideal choice. UK salary sacrifice schemes and EV salary sacrifice schemes are becoming very popular with higher rate taxpayers in the UK right now. Salary Sacrifice deals are becoming popular alternatives compared to traditional company car schemes and makes a lot of sense for those with car allowances too although you will need to pay company car tax on anything you get via one of these schemes. We look at a deal on a Tesla Model 3 in this video - would a Tesla Salary Sacrifice suit you? I think it would suit me so maybe Salary Sacrifice Car Leasing is something we should all carefully consider?
I do lots of simple car finance tutorials on my channel including a lot of lease vs buy car comparisons so please keep watching.
Let's get Salary Sacrifice Explained!
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Important : This channel tries to deliver honest advice for real people. Remember that I am not a financial advisor or car finance professional and am therefore not qualified to give any kind of financial advice, views shown here are purely my own but you must make your own financial decisions. Always seek professional advice before entering a finance arrangement of any kind and seriously consider your financial position and the long-term affordability of any deal that you may enter into.
All music used in this video is written, recorded, and produced by me.
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27 июл 2024

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Комментарии : 133

@DefinitelyNotAGuru 2 года назад

--- Buy me a Coffee at : ko-fi.com/notaguru ---

@artie2070 2 года назад

Really interesting video - lots of considerations but thanks for uploading

@DefinitelyNotAGuru 2 года назад

Thanks very much, follow up video coming next week with some real examples

@mmuz6879 2 года назад

Cool guy, keep up the good work 👍

@DefinitelyNotAGuru 2 года назад

Thanks, will do!

@Jmastives 2 года назад

Fantastic video. great explanation

@DefinitelyNotAGuru 2 года назад

Thank you

@andrewjones5570 10 месяцев назад

Cherrs Jim, very helpful

@DefinitelyNotAGuru 10 месяцев назад

Glad it helped Andrew. It can be a very good way of doing things but is very much dependent on the scheme and it's provider.

@styleyK Год назад

Great video very informative. The issue I have is that although my employer has a salery sacrifice scheme/Green car scheme, the majority of employees (including myself) are priced out of it... it is just simply to expensive. Buying or leasing a new vehicle is fast becoming more and more of an exclusive club, as wages continue to fall behind living costs. Yet at the same time the public is being strong armed into buying Ulez compliant cars they cannot afford. Sorry for the rant 🙏🏿😊

@DefinitelyNotAGuru Год назад

Thanks for sharing! check ou tmy lease deals of the month videos, it's getting better!

@deand1696 2 года назад

Great video, thank you. I’ve found the same issue of not being able to get figures for salary sacrifice deals. My company is starting a scheme soon and I was looking for a rough indication, which as you say isn’t easy without being actually in a scheme. I still found the video and explanation very useful. The net cost seems high at first, but not when you consider it’s an over £40k car, insured, fully maintained with significant fuel savings it’s definitely worth considering.

@DefinitelyNotAGuru 2 года назад

One very lovely viewer has sent me some real world pricing from their scheme so I will be filming a follow up video to this one on Friday. Probably to launch this time next week.

@deand1696 2 года назад

@@DefinitelyNotAGuru Excellent, thank you. Looking forward to the follow up video! 👍

@Mo-cd8nl 2 года назад

Top Vid!

@DefinitelyNotAGuru 2 года назад

Thanks Mo 🙏

@annamariaecolraine8281 4 месяца назад

Very helpful.

@DefinitelyNotAGuru 4 месяца назад

Glad it was helpful!

@thomasturner5107 Год назад

God send very informative especially with me contemplating getting my 1st lease car not pcp

@DefinitelyNotAGuru Год назад

Best of luck 👍

@BigALBoomer 8 месяцев назад

Thanks for this we have been offered salary sacrifice now at work and there offers to be had

@DefinitelyNotAGuru 8 месяцев назад

Very welcome mate

@ukmaxi Год назад

Most of the common salary sacrifice schemes do offer fully comp insurance, as well as roadside assistance, service and maintenance fees. This means typically you have to do everything through the lease company, but, it is included (most common is Tusker).

@DefinitelyNotAGuru Год назад

Yes

@4seka Год назад

Nicely explained

@DefinitelyNotAGuru Год назад

Thank you so much 🙂

@mudskipper0075 2 года назад

Interesting video this ,I came away from our company lease and went on essential user at 45p a mile and works out much better ,the BIK was killing me and hate paying any money to the government ,have looked at EV going forward but still think the BIK is going the wrong way…

@DefinitelyNotAGuru 2 года назад

Thanks! 👍

@glengosling5636 6 месяцев назад

Good show

@DefinitelyNotAGuru 6 месяцев назад

👍

@sajeelarshad9164 2 года назад

Good insight mrs works for the NHS got the same tesla on a 3 year deal £409 per month

@DefinitelyNotAGuru 2 года назад

Thanks Saj - you are the man 👍

@r__b6095 2 года назад

Very interesting because I've been looking at exactly this situation. You're right to recommend people do their homework though - as an NHS employee the scheme my employer is in doesn't seem to save anything at all. They inflate the prices so it costs as much in real terms as any other company

@DefinitelyNotAGuru 2 года назад

That’s a real shame. I have some follow ups on this coming in future weeks/months so stay tuned!

@mdshovel 2 месяца назад

Not what I have experienced .. I have leased a Volvo XC40 EV through NHS Fleet for 2 years. It is almost half the cost of Volvo's own lease ... and includes the following extras :- Breakdown, Windscreen, Servicing, Tyres and the big one - Insurance. It works out £50 per month cheaper than my previous 10 year old diesel car I owned when depreciation is factored in

@r__b6095 2 месяца назад

@@mdshovel that's useful to hear. From memory I think my trust used a different company (vivup) but I might be wrong.

@mdshovel 2 месяца назад

@@r__b6095 Your Trust would have to be signed up to NHS Fleet Solutions. You can even get a free wall charger installed. And, I can plug in at any of our sites to charge for free. I'm about to order my next EV on the scheme.

@Jimmybones100 2 года назад

My company does the electric car scheme,just found out I can get an ioniq 5 ultimate for the price I was about to pay for an ID3.

@DefinitelyNotAGuru 2 года назад

That’s bonkers 👍👍👍

@sufsRS Год назад

Another consideration is how much your company pays you per mile for fuel. Taking company car allowance and buying your own car could mean a big profit you make per mile in comparison for an electric company car you might just be breaking even for charging

@DefinitelyNotAGuru Год назад

100%

@MarkMcAneny 5 месяцев назад

Also worth mentioning the impact on Pension Contributions and the effect it will have on a final/average salary pension scheme

@DefinitelyNotAGuru 5 месяцев назад

👌

@Peregrine-qp4fq 2 года назад

My employer offers a salary sacrifice scheme, but you havent mentioned another deal breaker which is that your pension contributions may also reduce and if you are likely to retire then the SSS could impact your pension. If you have to increase pension contributions to make up any reduction then its an additional cost.

@DefinitelyNotAGuru 2 года назад

Good point Perry. I'm doing a follow-up video next week as now have some real world examples (thanks to a viewer) so will mention the pension point there. Thanks for pointing it out.

@wynhughes9072 2 года назад

My employer some years ago was offering SS but it was rejected by the workforce because of the effect on your company pension

@DefinitelyNotAGuru 2 года назад

@@wynhughes9072 yes, for those few left on final salary pensions it would be awful unless they disregard it for the sake of the final salary pension calculation. I’m not lucky enough to have a final salary pension.

@sufsRS Год назад

Question for anyone using the salary sacrifice scheme - do you claim money for mileage as you would for normal company car and what is a typical rate given for an electric car. For me an electric company car would leave me 5ppm (pretty low but its based on HMRC guidelines) on the other hand if i took the cash in place of a company car i get paid 28ppm..

@DefinitelyNotAGuru Год назад

Different companies do it differently but it’s not unusual to have different amounts for company car users, car allowance users, and those using their own cars.

@jamesstanley7263 Год назад

The poo t you raise about mortgage application could apply to any type of finance. They look at bank statements to see outgoings - so any payment to finance companies could harm affordability

@DefinitelyNotAGuru Год назад

Yes

@gameofreviews4319 Месяц назад

Great video, do you have an idea about NHS fleet solutions?

@DefinitelyNotAGuru Месяц назад

I don’t im afraid

@gameofreviews4319 25 дней назад

@DefinitelyNotAGuru thanks for replying.

@doodleesq 6 месяцев назад

Great vid. I'm a director on a personal PCP and thinking of a business lease. Would a salary sacrifice be a better way? I can'tneed help to do EV as I have no way of charging it at home or work.

@DefinitelyNotAGuru 6 месяцев назад

It could well be better but you generally need 5-10 people to start a salary sacrifice scheme and rates are not always great, especially on a small scheme. I personally wouldn’t get an EV without a home or work charger but of course the option is yours 👍

@BN-em9qx Год назад

Looking at this.. what happens if you add in the fuel cost savings? I know that in our household are spending £90/ £130 a week (lots of distant sports clubs) on fuel.. so if the EV would operate at 20%/ 25% of that.. would it mean that we make money by switching?? Would you add that to this calculation?

@DefinitelyNotAGuru Год назад

It could potentially but use case and source cost of fuel / electricity varies massively for each person so it’s one everyone should work out for themselves based on their circumstances.

@craigblake7924 Год назад

Do you have to declare the salary sacrifice car to HMRC? Or is it usually done by your work? For instance I’m with the NHS and they use fleet solutions.

@DefinitelyNotAGuru Год назад

That should all be sorted for you.

@katyh06able Месяц назад

Flipping heck who earns £80000 a year, I certainly don’t as a nurse. Don’t think I could afford my yearly income is under £40000 😢

@DefinitelyNotAGuru Месяц назад

👍

@tomhart-evija9201 Год назад

I’m thinking, if you take out a PCH on a car, the rentals (payments) will have to be declared on the mortgage companies affordability calculator, so, it may be a case of 6 and half a dozen.

@DefinitelyNotAGuru Год назад

the point of salary sacrifice is to get some benefit from some of what would have optherwise gone to the taxman, nothing else.

@Psycoticfcuk 2 года назад

So it affects mortgages will it affect child maintenance as that is worked off gross tax

@DefinitelyNotAGuru 2 года назад

No idea I’m afraid

@RedemptiveChief 8 месяцев назад

2 more things I wanted to add 1 it reduces your pension contributions ( something to consider if you work in the civil service or the NHS) 2 most employers won’t offer you the scheme if it brings your annual wage under the national minimum wage.

@DefinitelyNotAGuru 8 месяцев назад

👍

@allyrae8448 2 года назад

Could you give some real time examples varying between eV, hybrid and petrol. And the difference between that and a pcp? Great channel. 👍🏻

@DefinitelyNotAGuru 2 года назад

Hi Ally, I can’t as you can only get salary sacrifice examples if you’re in a scheme. It will always be better to do over a PCP on an EV pretty much. No real point doing it on the others as you’ve got to pay company car tax which is expensive on non-EV’s 👍

@allyrae8448 2 года назад

@@DefinitelyNotAGuru Perfect 👌🏻

@my_carp_life3424 2 года назад

What are the rules on amount we can use of our salary because my company's salary sacrifice policy says shift allowance is included and i can use 20% of salary but my HR are saying shift allowance can not be used in the national minimum wage calculation, so how am I ment to work out my gross amount I can use for a salary sacrifice car?

@DefinitelyNotAGuru 2 года назад

Your employer or whoever administers the scheme on their behalf would need to tell you that

@chillybilly87 Год назад

Hello, if you find a lease deal on a used electric car. Is that applicable? Or does it have to be a brand new lease from a specific group of companies / websites

@DefinitelyNotAGuru Год назад

Used lease deals are often awful. I did a video on them. Salary sacrifice needs to be a new car to best of my knowledge.

@renamons614 2 года назад

Question, if I'm on 53k and I took out a car on salary sacrifice scheme, would that take me down to the 20% tax bracket?

@DefinitelyNotAGuru 2 года назад

Most probably, the firm running the scheme should be able to do a full forecast for you

@allyrae8448 2 года назад

Just got a new job and will have a vehicle through their Employee Car Ownership Scheme (ECOS). It’s new to me but seems similar to salary sacrifice. I live in Scotland so I know it differs slightly but perhaps a video needs done?? 🤷🏻‍♂️ I don’t have figures yet but can supply when known.

@DefinitelyNotAGuru 2 года назад

Great, another viewer has given me some prices so will be filming another video at the end of this week to launch next week hopefully 👍👍👍

@allyrae8448 2 года назад

@@DefinitelyNotAGuru Brilliant. 👌🏻

@DefinitelyNotAGuru 2 года назад

@@allyrae8448 a nice reminder that there are some good folk watching, not just trolls 😂

@alexbeardsley9654 5 месяцев назад

My employee has just brought this in place as an option but you have to have 10% of the national living wage left after the monthly payment of the car. some employees may not be eligible? Do you know why the 10% rule is in place? Tia?

@DefinitelyNotAGuru 5 месяцев назад

No I don’t

@paultasker7788 2 года назад

Working for NHS I have access to one of these. Deals look tempting but my concern is if I have less salary does that affect my pension? I suspect it will drop from 12.5 percent to 9 percent as I'll dip below the amount where it gets increased. But as well as that does this mean less pension is paid in due to the lower salary too? I'm guessing what I'm asking is will I pay for doing this later in life?

@DefinitelyNotAGuru 2 года назад

Hi Paul, I’m assuming you’re one of few that still has a final salary pension? If so I strongly suggest you ask the question of them - and tell me the answer please as I’m doing a follow up video on Friday and would love to mention this.

@paultasker7788 2 года назад

@@DefinitelyNotAGuru sadly not. I have final salary from 2005 to 2012 but after that the rest is average salary. So if the salary is lower I guess I'll get less pension. Will check with my line manager though

@DefinitelyNotAGuru 2 года назад

@@paultasker7788 I’m guessing Paul that if it’s not final salary then only their monthly contribution may drop but best check it out 👍

@karll4846 2 года назад

Hi Paul, I'm in a similar situation. If you have a car that reduces your pensionsble pay to below the threshold of £47846, then your contribution should drop from 12.5% to 9.1% and you will therefore pay less pension contributions each month. The lease car calculator will show the pension savings, along with Tax and NI savings. The pension you will get when you retire will be less, but it is not based on your monthly contributions. Each year, your pension accrues at a rate of 1/54th of your pensionable pay. This figure is then increased annually and will be shown on your Total Rewards Statement. You will definately get a reduced pension, but if it moves you into a lower contribution tier, then the total savings make it very competitive. I'm getting my Tesla Model 3 LR delivered on Thursday and can't wait :)

@pb6096 Год назад

Hi could you please clarify how does it works for someone on 2 jobs with higher tax how can it saved tax and Ni?? Thanks

@DefinitelyNotAGuru Год назад

No idea, you'd need to speak to your scheme provider.

@daiwhite8470 2 года назад

As an NHS employee I've had my eye on getting a car via our sacrifice scheme for a while and the deals are amazing, currently on the website I use there is a Lexus UX 300E for £229 a month!

@DefinitelyNotAGuru 2 года назад

Crickey, that's crazy. Make sure you find out the possible impact on your work pension (if any) before you sign up for anything.

@joeybaah3271 2 года назад

@@DefinitelyNotAGuru Yeah from what I understand NHS employee a lot of the schemes affect pension which is why I didn't want to do this with my wife. Some great deals though, audi e-tron for £430 a month everything included. Crazy to think that it's an 80grand car brand new but it get's discounted that much on the nhs scheme

@DefinitelyNotAGuru 2 года назад

@@joeybaah3271 I see, that’s a crazy deal but as you say, you need to consider the bigger picture

@vascularlab Год назад

What website do you use?

@fahadkhan3373 Год назад

Is your pension not a salary sacrifice as well?

@mrbonjour 2 года назад

What about pension impacts do you know how you would calculate it.

@DefinitelyNotAGuru 2 года назад

Your scheme provider/employer would need to answer that

@Foxhound304 2 года назад

Hi im looking at getting out of my company car due to personal circumstances' My company have a salary sacrifice scheme in place but the problem is there isn't any Ev cars available for 6 to 9 months due to the chip shortage and i can't wait that long as i'm getting stung by my company BIK> Do you think i would be silly to take the car allowance and lease a car for 3 years instead then look at it again in 3 years By the way i think your close to me i live in sunny old dorset great channel keep up the good work :)

@DefinitelyNotAGuru 2 года назад

It’s tough to say mate but have you consider getting a cheap used car whilst you’re waiting for the SSS car to arrive? Maybe even a subscription for 6 months - like Onto etc? I’m in Ferndown 👍

@Foxhound304 2 года назад

@@DefinitelyNotAGuru Thanks for the information didn't think about looking at it that way very good point

@DefinitelyNotAGuru 2 года назад

No worries mate

@davidcroney3 2 года назад

Just curious..how are these figures soo much better than when you just do a regular 'for business' quote from one of the big leasing comparison sites? What is the top level difference between a generic 'for business' figure VS salary sacrifice?

@DefinitelyNotAGuru 2 года назад

Sorry mate, the lease figures do you mean? I don’t really understand the question. Salary sacrifice is basically tax free (kind of) so it makes it cheaper than standard leasing if that’s what you mean.

@davidcroney3 2 года назад

@@DefinitelyNotAGuru ha, not to worry. My question was poorly written, and the more I think about it makes little sense. Ignore me! Anyway, the company I work for is hopefully introducing a salary sacrifice car scheme soon (medium sized UK business), I will try and share those numbers with you too.

@DefinitelyNotAGuru 2 года назад

@@davidcroney3 no worries mate 😁

@Hotshotzwifting 4 месяца назад

What if your current car is on pcp ! How do you go about trading that in etc ?

@DefinitelyNotAGuru 4 месяца назад

Ask them for a settlement figure then find someone to settle it (Motorway, WeBuyAnyCar, Carwow etc)

@MegaMisbah123 3 месяца назад

What band qualifies for the car scheme? Can a band 2 get a car with the scheme?

@DefinitelyNotAGuru 3 месяца назад

Do you mean co2 band? I think anything can in theory, all depends on your scheme provider

@youcannotseeme 2 года назад

Im an nhs employee and i was considering this but it turns out you need to be earning atleast £26,500 so u dont fall below national minimum wage. Shame!

@DefinitelyNotAGuru 2 года назад

Wow!

@duplicitouskendoll9402 2 года назад

I have a choice between using my company car scheme, doing a salary sacrifice or just getting paid my company car allowance in cash and providing my own vehicle. Salary sacrifice is not worth it even with the tax savings because it reduces my pension and the cars aren't competetively priced. The company car scheme is OK, but BIK is a killer unless you get something designed to outsmart it, like a token plug-in hybrid. Even then I feel BIK is one of those con taxes we pay just because they can get away with it - it's hardly a benefit if you pay for it! So I'm going to take the money next time and provide my own car. Sure, that money will be taxed, I'll have to do my own tax and insurance and the car won't be as fancy, but I will get 45p per mile I drive which will add up to thousands per annum in my case. If I'm clever about it, I can break even or maybe even draw a small profit - then it'll be a benefit!

@DefinitelyNotAGuru 2 года назад

It’s tough now unless you have a full EV. I’ve got a car allowance myself (although only get 25ppm as a result) but would go for a salary sacrifice or EV as a company car if they were available but personal use case and electric charging availability/convenience etc are big factors.

@oceanic815___7 2 года назад

What do you think about salary deduction? Does that scheme effect pensions?

@DefinitelyNotAGuru 2 года назад

You need to check with your company as it could be different in some cases to others

@johnmackay9569 2 года назад

Hey Mate. Really good videos. Unique position for me .. my employer is offering car allowance and also opened up salary sacrifice to most of the company to access sponsored car leases, fully insured and maintained. In a crude way with salary sacrifice could I assume that my car allowance value say is £500 and my salary sacrifice value is £500 would I be breaking even on this ? . As the money in the allowance is given to me and then taken away from me before tax in consideration of the salary sacrifice value …. If this makes sense 😂 thanks for any feedback or thoughts that you have ! 👍🏻

@DefinitelyNotAGuru 2 года назад

Do you know what? I have no idea but the folks running the salary sacrifice scheme should be able to tell you and give you a breakdown of exactly how it will affect you 👍👍👍 I’d be happy to hear how you get on.

@bennop1485 Год назад

I believe that you would be liable for income tax and NI on the £500pm allowance and BIK on the car, I’m not an expert but fairly sure this is what happens

@johnmackay9569 Год назад

@@bennop1485 Hi , I agree that in normal circumstances a car allowance would be taxed etc , but as my option is under a salary sacrifice scheme I am advised that you don’t get taxed as it’s taken by the employer before tax is calculated on PAYE for example . The same way in which a pension payment would be taken if on a company scheme.

@railvlogger1439 2 года назад

I've only a few minutes ago signed for a 3 year lease on a Tesla Model 3 Long Range with Carparison. Expecting delivery in around 4 weeks. Hope I did the right thing. Anyone want to buy a 2021 Toyota C-HR Excel with 800 miles o the clock? Lol.

@DefinitelyNotAGuru 2 года назад

Congratulations, I think you’ll love it. How much are you after for the Toyota? You mind find a buyer here in the comments!

@railvlogger1439 2 года назад

@@DefinitelyNotAGuru I paid £32500, would be happy with £28500. It also comes with 3 years free servicing and has rubber mats and boot liner.

@DefinitelyNotAGuru 2 года назад

Good luck with it. Nice car so hopefully you’ll do ok with it.

@alexp8924 2 года назад

Newbie q: do you end up owning the car after the term? Do they give you money back if you leave the company?

@DefinitelyNotAGuru 2 года назад

No and no 👍

@alexp8924 2 года назад

@@DefinitelyNotAGuru wait what. So you pay 20-40k over 4 years and end up with nothing?! That doesnt sound very financially responsible unless you are super rich.

@alexp8924 2 года назад

@@DefinitelyNotAGuru can you Purchase a car on salary sacrifice scheme?

@DefinitelyNotAGuru 2 года назад

@@alexp8924 it’s just car leasing but can be a good way of doing it, especially for higher tax payers. You can probably drive a new car with no bills other than fuel for a couple of hundred quid a monthly depending on your company scheme. Can be a very cost effective way of driving a new car. You’re not buying it. Watch my recent car leasing explained video if you want to understand why that may be a good thing for some people.

@alexp8924 2 года назад

@@DefinitelyNotAGuru do you know if you can buy a car on salary sacrifice?

@lucysmitherson1992 2 года назад

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@DefinitelyNotAGuru 2 года назад

That's amazing. So what's the plan for your channel Lucy?