Save With a Novated Lease
Pay for your car with pre-tax salary. Bundle all running costs into one easy payment and save thousands every year.
Potential savings on a $50,000 vehicle
per year*
Income Tax Savings
Pay from pre-tax salary
GST Savings
Save 10% on purchase price
Bundled Running Costs
Fuel, rego, insurance included
EV FBT Exempt
100% pre-tax for electric
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The Three-Way Agreement
A novated lease is a three-way agreement between you, your employer, and a finance company that allows you to pay for your car with pre-tax salary.
You (Employee)
- Choose your vehicle
- Sign the lease agreement
- Drive & enjoy tax savings
Your Employer
- Deducts from pre-tax salary
- Forwards payments to lender
- No cost to the business
Finance Company
- Purchases the vehicle
- Owns vehicle during lease
- Claims back GST
The Simple Process
Choose Your Car
Select new or used vehicle
Apply Now
We calculate your savings
Employer Approves
Simple online setup
Start Saving
Payments from pre-tax salary
Why Choose a Novated Lease?
Enjoy significant tax savings and simplify your car ownership experience
Income Tax Savings
Lease payments come from your pre-tax salary, reducing your taxable income and putting more money in your pocket each pay cycle.
GST Savings
Save 10% on the vehicle purchase price. The finance provider pays the GST and claims it back as a tax credit.
Bundled Running Costs
Include fuel, registration, insurance, servicing, and tyres in one easy payment from your pre-tax salary.
Simplified Budgeting
One regular deduction covers everything. No more juggling multiple bills for fuel, insurance, and maintenance.
End of Lease Flexibility
At the end of your lease, choose to buy the vehicle, refinance, upgrade to a new car, or simply hand it back.
Portable Between Jobs
Your novated lease stays with you if you change employers. Simply re-novate with your new employer.
FBT Exempt Electric Vehicles
Thanks to federal government incentives, eligible electric vehicles are 100% FBT exempt. This means your entire lease and running costs come from pre-tax income.
Example EV Savings
Tesla Model 3 • $90,000 salary • 5 year lease
*Savings are estimates and depend on individual circumstances. Contact us for a personalised quote.
Transparent Novated Lease Terms
$0
FBT on EVs
Electric vehicles under $91,387 are FBT exempt.
Pre-tax
Salary deductions
Pay from your gross salary to reduce taxable income.
Bundled
Running costs
Fuel, insurance, rego & servicing all in one payment.
1-5 years
Lease terms
Flexible lease periods to suit your needs.
$150,000
Max vehicle price
Finance new or used vehicles up to $150,000.
With no impact to your credit score
Estimate Your Novated Lease Savings
See how much you could save with a novated lease
Estimated annual savings
per year
*This calculator provides estimates only. Actual savings depend on your individual circumstances. Contact us for a personalised quote.
Everything Bundled in One Payment
Your novated lease includes all running costs in a single, regular salary deduction. No more juggling multiple bills.
Vehicle Finance
New or used car of your choice
Fuel
Petrol, diesel, or charging costs
Insurance
Comprehensive car insurance
Registration
Annual rego fees covered
Servicing
Scheduled maintenance
Roadside Assist
24/7 breakdown support
Frequently Asked Questions
A novated lease is a three-way agreement between you, your employer, and a finance company. Your employer deducts lease payments from your pre-tax salary, reducing your taxable income and saving you money on your car.
Ready to apply?
Find out your rate and repayments in under 90 seconds
With no impact to your credit score