Switchboard Finance Logo – On-Road Costs Glossary

On-Road Costs

On-Road Costs are the mandatory fees required to legally register and drive a newly purchased vehicle. These costs are added on top of the base purchase price and typically include: registration, stamp duty, CTP insurance, dealer delivery, plates, and government fees. Lenders factor On-Road Costs into Vehicle Finance and Equipment Finance to determine the final financed amount. Related glossary terms: Dealer Invoice, Private Sale, PPSR Check. Relevant blogs: Fast-Track Asset Finance, Low Doc Vehicle Finance Guide, Tradie Vehicle Finance.

Why On-Road Costs Matter

On-Road Costs can significantly increase the total drive-away price of a vehicle. Lenders must include these costs when calculating the financed amount, LVR, and GST treatment. A clear breakdown improves approval speed through: Tradie Hub, Truckie Hub, and the Business Owners Finance Hub.

What On-Road Costs Include

  • Stamp duty (varies by state).
  • Registration fees (annual or new vehicle rego).
  • Compulsory Third Party (CTP) insurance.
  • Dealer delivery charges.
  • Number plates and government processing fees.
  • Roadworthy inspection or eSafety certification (state dependent).

Official reference: service.nsw.gov.au

What are On-Road Costs?
Mandatory fees required to register and legally drive a newly purchased vehicle.
Are On-Road Costs included in finance?
Yes, most lenders allow On-Road Costs to be included in the total financed amount.
Why are On-Road Costs so high?
They include government fees, CTP, stamp duty and dealer delivery, which vary by state.
Do On-Road Costs differ by state?
Yes — each state sets different stamp duty and registration fees.
Are On-Road Costs negotiable?
Government fees are fixed, but dealer delivery charges may be negotiable.