Save thousands on your next car with pre-tax salary packaging. EVs with zero FBT.
Pre-tax salary deductions reduce your taxable income
Electric vehicles under the luxury car tax threshold pay no FBT
Finance, fuel, insurance, servicing, and rego in one payment
A novated lease is a three-way agreement between you, your employer, and a finance company. Your employer deducts lease payments directly from your pre-tax salary, reducing your taxable income and saving you thousands each year.
Unlike a standard car loan, a novated lease bundles all your vehicle running costs — finance, fuel, insurance, registration, servicing, and tyres — into one convenient pre-tax payment. You choose the car, negotiate the price, and we handle the rest.
Choose your car, negotiate the price, and enjoy the tax savings
Deducts lease payments from your pre-tax salary and remits to the finance company
Provides the lease, manages payments, and handles the vehicle's running cost budget
A fully maintained novated lease covers all your vehicle costs, paid from your pre-tax salary
The lease payments for your chosen vehicle
Petrol, diesel, or EV charging costs budgeted and included
Full comprehensive car insurance included
Annual registration and compulsory third party insurance
Scheduled servicing, repairs, and tyre replacements
24/7 roadside assistance for peace of mind
Getting a novated lease is simple — here's the step-by-step process
Submit the pre-qualification form or give us a call — we check your eligibility and identify up to 3 matched lease providers.
Select your preferred provider. We gather the required documentation and submit the application on your behalf.
Your chosen provider assesses the application and we keep you updated throughout.
Sign documentation, salary deductions begin, and you drive away saving on tax.
Significant tax savings, bundled running costs, and the flexibility to choose any car
Lease payments come from your pre-tax salary, reducing your taxable income. The higher your tax bracket, the more you save — typically $3,000–$8,000 per year.
Save the GST on the car purchase price and all running costs. On a $50,000 car, that's an immediate $4,545 saving on the vehicle alone.
Electric and plug-in hybrid vehicles under the luxury car tax threshold are exempt from Fringe Benefits Tax, dramatically increasing your savings.
One regular payment covers everything — no surprise bills for servicing, tyres, insurance, or registration. Budget with certainty.
If you change employers, your new employer can take over the novation. Most employers are happy to — it costs them nothing.
Your employer simply redirects part of your salary — there's no cost or risk to them. It's a staff benefit that costs nothing to offer.
Novated leases work with new and used vehicles from any dealer or private seller
Zero FBT, lower running costs, and maximum tax savings
FBT exempt if first used after 1 July 2022 and under the LCT threshold
Any new vehicle from any authorised dealer across Australia
Quality used vehicles typically up to 5–7 years old accepted
Flexible lease terms designed to maximise your savings
Choose a term that suits your needs
Depending on salary and vehicle
On car price and running costs
Zero FBT for eligible EVs
At the end of your lease, you have full flexibility to choose what happens next
Pay the residual value and keep the car. It becomes yours outright with no further payments.
Best for: Those who love their car and want to keep it
Trade in or sell the car to cover the residual, then start a new novated lease on a newer vehicle.
Best for: Those who want the latest model every few years
Extend the lease or refinance the residual amount into a new lease period to keep payments manageable.
Best for: Those who need more time before deciding
Simple requirements to get started with a novated lease
Common questions and answers about novated leases
Our team is here to help you find the right novated leases solution
Find out how much you could save with a novated lease. Get a personalised quote in minutes — no obligation, with expert guidance.