Novated Leasing A finance option that allows you to access some of your salary before-tax. It’s a cost-effective way to get into your next car. Get in touch Electric vehicles What is a novated lease? A novated lease allows you to finance your next new, used or existing car and it's running costs by accessing some of your salary before-tax. This means you could pay less income tax and take home more pay. And if you decide to take out a novated lease on an eligible electric car, thanks to the Federal Government's Electric Car discount, all your cars' payments are made before-tax, which means you could take home even more pay. Novated lease benefitsThe five key benefits why thousands of Australian drivers choose a novated lease. Tax savings: Access income tax savings by paying for your car and running costs from some or all of your before-tax salary depending on the car you choose Fleet discounts: Our buying power means you get access to further fleet discounts on new cars Save on GST: Depending on your employer, you could save GST on the purchase price of the car and the ongoing running costs for the life of your lease Budget convenience: A simple regular payment covers your finance payment and your car’s regular expenses such as registration, insurance, fuel or charging, maintenance, tyres and roadside assistance 24/7 driver support: Enjoy peace of mind with 24/7 driver support, always on hand to offer advice in any way we can Register for a Webinar Join us for live webinar where we answer your questions about novated leasing. Register for webinar What's included Car Purchase Lease payments Vehicle Protection Registration & CTP Fuel or Charging 24/7 Roadside Assistance Repairs & Maintenance Tyres Crash Management Comprehensive Insurance Car Purchase We’ll help you source the best car and the best possible price, with fleet discounts available on the purchase price of new cars and any accessories you’d like. Lease Payments One regular bundled payment from your salary each pay, that covers the finance and the car's regular running costs. This means you have money put aside so you won't be caught out of pocket. Car Protection All Fleetcare novated lease customers receive a car protection accessory pack included in their lease package. Our accessory packs provide great value for money and all the protection needed to keep your car's interior and exterior in excellent condition. Registrations & CTP We aim to meet 100% registration compliance, ensuring you’re always protected. We can assist with car inspections and offer an in-house facility for third-party insurance. Fuel or Charging Based on the number of kilometers you plan to travel, we budget for your fuel spend and provide you with fuel cards for BP, Ampol and Shell service stations, so you won't be out of pocket. You’ll also enjoy half price car washes, available for all Fleetcare customers at BP service stations. For anyone with an electric or plug-in hybrid car, we can also budget for your charging. There are a few options available, and our consultants will help you pick the right one for you. 24/7 Roadside Assistance Contact us whenever you need help with breakdowns, flat tyres, emergency fuel, key replacement, or if you need any advice about your car. No matter what you need, we can help. Repairs & Maintenance Our dedicated maintenance controllers are qualified mechanics, and they will liaise directly with the repairer. Ensuring optimum service standards, the best rates possible and that warranties are claimed at every opportunity. You can choose from thousands of approved repairers including tyres, windscreens and batteries. Tyres We include tyres in every novated lease budget, so you’ll never be caught out trying to find money for new tyres again. Choose from a range of authorised suppliers, book online and get back on the road faster. Crash Management Contact our crash management team after an accident. We’ll make sure you’re safe, then get you where you need to be with replacement car hire. We’ll arrange for the car to be towed to an authorised service centre and coordinate your cars repairs with your insurer. We’ll even help you lodge your insurance claim including assessment and third-party recovery if required. Comprehensive Insurance Our comprehensive insurance product for novated lease holders includes Guaranteed Asset Protection (GAP) as standard ensuring you’re never out of pocket in the event of a total loss. Your questions answeredFor more novated leasing FAQ’s, visit our Frequently asked questions page. Can I put down a deposit or use a trade-in to reduce the cost of the vehicle? With Fleetcare, you can trade in a car as part of setting up your novated lease. However, trade-in funds can’t be used to reduce the lease principal. A novated lease is for full sale price of the vehicle. What happens at the end of my lease? When you come to the end of your lease, you can: Trade in, trade up - Trade in your novated lease to Fleetcare (or sell it privately) and upgrade your car with a new lease. Refinance - Refinance and extend your novated lease residual amount for another lease term. Payout - Payout your novated lease residual amount and the car is yours. Learn more about what to expect at the end of your Fleetcare novated lease. What happens if I find I’m travelling more/less kilometres than nominated? The simplest way to make changes is to contact your Fleetcare account manager. They can adjust your salary deductions and realign your payments at any time during your lease. How are residual values calculated? The residual value is set according to Australian Tax Office (ATO) guidelines. It’s based on the total amount financed and the length of your lease. Residuals ensure leases are structured differently to loans, reflecting expected car value at lease end. Tem of Lease Residual % 12 months 65.63% 24 months 56.25% 36 months 46.88% 48 months 37.50% 60 months 28.13% What happens if I leave my employer? If you leave your employer, you have 3 options: Re-novate - If your new employer offers novated leasing, you can transfer your Fleetcare novated lease to your new employer, and your lease will continue as normal. Finance only - If your new employer doesn’t offer novated leasing, you can continue making finance only repayments. This option removes the salary packaging benefits, but allows you to keep the car and maintain the lease until it ends. Sell your car - You can choose to sell the car and use the proceeds to pay off the residual value. How the process worksA step by step journey of your novated lease from start to finish. Additional novated lease information Frequently Asked Questions New Car Used Car Existing Car Electric Car Self-Managed Lease Existing salary packager Transfer Lease Vehicle Protection Options End of Lease Tools to make car ownership even easier We’ve created a number of online tools that highlight the savings and help you manage your novated lease. Novated Lease Calculator Get a realistic idea of how much you could save over the course of a year. 6 Steps To Salary Sacrificing Your Next Car We’ll walk through six easy steps to salary sacrifice a new car with a novated lease including how it works and what's included in your lease. Happy "This is my second lease with Fleetcare. I have 2 vehicles which I lease and I am very happy with the service provided." MARK, Police Officer Get started online First Name Last Name Email Phone Company State ACT NSW NT QLD SA TAS VIC WA Employment Status Full-time Part-time Casual Contract None Time with current employer 0 – 6 months More than 6 months None Novated Lease Provider (if known) Gross annual salary Do you know what vehicle you are interested in? Yes No Vehicle year, make, model and variant Annual kilometres Lease length 1 year 2 years 3 years 4 years 5 years Message By submitting this form, I consent to be contacted by Fleetcare about their products, services, and offerings. Fleetcare will manage my information in accordance with their Privacy Policy. Verification Failed. Submit Enquiry Novated Lease Showroom Offers We use our buying power to negotiate huge discounts across a range of cars. If you're looking to upgrade your car, check out Fleetcare novated lease showroom for our latest offers.Go to showroom Car Reviews We test, rate and review the latest cars so you can choose with confidence. Whether you’re comparing models for your next novated lease or just love staying up to date, you’ll find honest insights and expert opinions right here.Go tor reviews Disclaimer: Income Tax savings are dependent on your taxable income and individual tax status. GST savings are dependent on your employer’s policy and accounting treatment of GST. Home/ Novated Leasing Enquire Now