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  • Contents

    http://www.tchsalsa.co.uk/http://www.tchsalsa.co.uk/

  • Salary Sacrifice THE EFFECTS OF THE CHANCELLORS AUTUMN STATEMENT

    Fears that changes to Salary Sacrifice schemes would remove all the tax and national insurance advantages that they bring prove to be unfounded, as full details of the proposed changes announced in the chancellors autumn statement were released.

    The following examples highlight how in practice the changes will affect the cost to employees. TCH Salsa estimate that 70% of vehicles will be unaffected by the forthcoming changes and many that are affected will only see costs increase by an average of 10 per month.

    The key elements are as follows:

    Changes will apply to new leases from the 5th April 2017 All current leases and all new leases registered and delivered before the 6th April 2017 will be exempt from changes until 2021 or their expiry date if sooner. Employee national insurance savings will remain Tax will be paid by the employee on either the gross salary sacrifice or the Benefit in Kind, whichever is the greater ULEVs will be exempt from the changes (CO2 of 75g/km or less) Car or Cash Allowance schemes are also affected

    Important Information

    http://www.tchsalsa.co.uk/

  • CITROEN C1 HATCHBACK1.2 Pure Tech Feel 5dr

    Pre April 2017

    Post April 2017

    Taxable List Price 11,070.00 CO2 Emissions 99 Combined MPG 65.7 Transmission Manual

    All inclusive GrossMonthly salary reduction.

    262.93

    All inclusive GrossMonthly salary reduction.

    262.93

    Your reduction in tax based upon a marginal

    rate of 20.0%.

    -52.59

    Your reduction in tax based upon a marginal

    rate of 20.0%.

    -52.59

    Your reduction in NI based upon a marginal

    rate of 12.0%.

    -31.55

    Your reduction in NI based upon a marginal

    rate of 12.0%.

    -31.55

    Estimated Net Cost to you after salary sacrifice.

    212.00

    Estimated Net Cost to you after salary sacrifice.

    231.38

    Company cartax payable.

    33.21

    Company cartax payable.

    52.59

    Example 1

    In example 1 above, because the tax saving in the pre-April calculation (52.59) is greater than the company car tax payable (33.21), come April 2017 the difference of 19.38 is payable as additional tax which makes the net cost 231.38 per month (as opposed to 212 per month previously). In example 2, because the company car tax payable (64.32) is greater than the income tax payable (61.62) there will be no change to the rental come April 2017.

    All vehicles registered and delivered by 5th April 2017 will fall under the current rules for the whole of the contract period (2 or 3 years) therefore if you are renewing a current vehicle with us or are considering ordering your first vehicle on the scheme we would urge you to order it as soon as possible to give us the best chance of getting the new vehicle to you. If the delivery is delayed for any reason until after 5th April you may have to pay slightly more company car tax than what you have been quoted on the website due to the HMRC rule changes.

    Pre April 2017

    Post April 2017

    NISSAN JUKE HATCHBACK 1.2 DiG-T Acenta 5dr

    Taxable List Price 16,080.00 CO2 Emissions 128 Combined MPG 49.6 Transmission Manual

    All inclusive GrossMonthly salary reduction.

    308.12

    All inclusive GrossMonthly salary reduction.

    308.12

    Your reduction in tax based upon a marginal

    rate of 20.0%.

    -61.62

    Your reduction in tax based upon a marginal

    rate of 20.0%.

    -61.62

    Your reduction in NI based upon a marginal

    rate of 12.0%.

    -36.97

    Your reduction in NI based upon a marginal

    rate of 12.0%.

    -36.97

    Estimated Net Cost to you after salary sacrifice.

    273.85

    Estimated Net Cost to you after salary sacrifice.

    273.85

    Company cartax payable.

    64.32

    Company cartax payable.

    64.32

    Example 2

    http://www.tchsalsa.co.uk/http://www.tchsalsa.co.uk/

  • Welcome ToTCH Salsa...

    TCH Salsa is a scheme which enables employees to acquire a brand new car every 2 or 3 years under a Salary Sacrifice arrangement with their employer.

    By agreeing to a reduction in your salary which goes towards paying the monthly rental for your car, you can save an amount of tax and national insurance on the remainder of your salary. Although you have to pay company car tax as the provision of the car by the employer is classed as a benefit in kind, the tax and NI savings far outweigh the company

    car tax. Each vehicle supplied on the Salary Sacrifice scheme includes road tax, all servicing and maintenance, breakdown cover, all tyre replacements, and fixed premium, fully comprehensive insurance (withup to two additional drivers if required) for the whole ofthe contract.

    facebook.com/tchsalsa twitter.com/tchsalsa

    http://www.tchsalsa.co.uk/http://www.tchsalsa.co.uk/https://www.facebook.com/tchsalsahttps://twitter.com/tchsalsahttps://www.facebook.com/tchsalsahttps://twitter.com/tchsalsa

  • Heres how it works: You get your quotes and choose the car you want via the TCHSalsa website All makes and models available* Your employer then leases the car from TCHSalsa Your employer deducts the monthly rental for your car from your Gross (pre-tax) salary Because it comes from Gross salary, you pay less tax and NI on the rest of your salary This makes the net cost for the car less than what is deducted from your salary (the savings are shown on the quotations on the website for you) The car is classed as a benefit in kind by HMRC which means you have to pay Company Car tax on it BUT: The Tax and NI savings will almost always substantially outweigh the Company Car Tax meaning you make an overall big saving!*subject to eligibility and any employer restrictions

    TCH Salsa enables you to acquire a brand new car every two or three years with all of the costs included in one simple package. All you have to budget for on top is the cost of your fuel!

    AboutSalarySacrifice Whats Included...

    New car every2 or 3 years

    All vehicles ordered are brand new with the only additional cost

    outside of the agreementbeing fuel.

    Tyre replacement& Repair

    Damage and Wear & Tear are both included in your rental costs, just contact TCH Assist and well do

    the rest.

    There is no depositto pay

    The full cost of the car is split equally over the term of the

    agreement so no upfront costs and each payment comes out

    with your usual Tax and N.I. payments.

    Free Breakdowncover

    TCH assist provides you with a full breakdown and recovery facility.

    This includes Roadside assistance, At Home service, Recovery/

    Onward travel and Recovery Plus.

    No Credit Checkis required

    No need to worry about a search being recorded on your credit report. Beneficial if you have a

    poor (or no) credit history.

    Full comprehensive business insurance

    Fixed cost for up to three years! It wont increase even if you

    have a claim during the contract. Includes business use if you use

    your car for business duties.

    Includes servicing& repairs

    Simply book your vehicle in at a dealer convenient to you

    whenever a service is due.

    Add additionaldrivers

    Up to two additional drivers can be included (total 3). Minimum

    age is 18.

    http://www.tchsalsa.co.uk/http://www.tchsalsa.co.uk/

  • TOYOTA AYGO HATCHBACK1.0 VVT-i X 3dr

    Taxable List Price 9,040.00CO2 Emissions 95Combined MPG 68.9

    From 161.78 per month

    NISSAN MICRA HATCHBACKSPECIAL EDITION 1.2 Visia Limited Edition 5dr

    Taxable List Price 7,940.00CO2 Emissions 115Combined MPG 56.5

    From 202.27 per month

    CITROEN C1 HATCHBACK 1.0 VTi Feel 3dr

    Taxable List Price 10,100.00CO2 Emissions 95Combined MPG 68.9

    From 184 per month

    PEUGEOT 108 HATCHBACK1.0 Access 3dr

    Taxable List Price 8,440.00CO2 Emissions 95Combined MPG 68.9

    From 172.50 per month

    SKODA FABIA HATCHBACK1.0 MPI 60 S 5dr

    Taxable List Price 11,100.00CO2 Emissions 106Combined MPG 60.1

    From 195.70 per month

    FIAT 500 HATCHBACK1.2 Pop 3dr

    Taxable List Price 10,995.00CO2 Emissions 110Combined MPG 60.1

    From 187.90 per month

    City Cars/Super MiniWinter 2016/17 Special Offers

    Monthly rentals inclusive of everything except fuel!

    (All monthly rentals are general examples only based on 36 month/6,000 miles per annum contracts live, website quotes are based on personal details, whether you are a 20% or 40% taxpayer, vehicle annual mileage, your organisations VAT position and whether they are public sector or corporate organisation terms). Calculations based on pre-April 2017 changes to tax and Ni rules. Vehicles must be registered and delivered prior to 6th April 2017.

    http://www.tchsalsa.co.uk/http://www.tchsalsa.co.uk/

  • Small Family Hatchbacks Winter 2016/17 Special Offers

    TOYOTA YARIS HATCHBACK1.0 VVT-i Active 5dr

    Taxable List Price 12,515.00CO2 Emissions 99Combined MPG 65.7

    From 202 per month

    VOLKSWAGEN POLOHATCHBACK 1.0 S 5dr

    Taxable List Price 12,210.00CO2 Emissions 108Combined MPG 58.9

    From 208 per month

    MAZDA2 HATCHBACK 1.5 75 SE-L 5dr

    Taxable List Price 13,440.00CO2 Emissions 110Combined MPG 60.1

    From 240 per month

    KIA RIO DIESEL HATCHBACK1.1 CRDi 1 5dr

    Taxable List Price 12,190.00CO2 Emissions 86Combined MPG 85.6

    From 205.39 per month

    SEAT IBIZA SPORT COUPE1.0 SE Technology 3dr

    Taxable List Price 13,100.00CO2 Emissions 118Combined MPG 54.3

    F