Tell me about the car you've got your eye on and I'll show what it really costs each week and what you'd save. A flat $1,500 fee, not a percentage, and every figure out in the open. No sign-up, no sales pitch.
Pick your car and tune every cost. Your real numbers, fees and rate, out in the open, then lock in your final quote.
You'd think you need a consultant, from how loudly some charge for it. A consultant is paid to help you and to hit a sales target, and those two don't always pull the same way. So we kept the help and dropped the commission that rides on the advice. You stay in the driver's seat. We just won't charge you a fortune to point at the screen.
Self serve doesn't mean on your own. It just means nobody on commission is doing the steering.
Most novated leasing hides the maths and pushes the sale. We do the opposite. Plain numbers, no pressure, and you stay in control the whole way.
The assistant works for you, not for a sale. If a novated lease isn't your best move, it'll tell you straight, and never pressure you into anything.
Every number is real and every fee is on the table: the amount financed, the residual, the GST saved, our brokerage. Ask for any detail and you'll get it.
No forms to wade through. Just chat, and the assistant builds your quote as you talk, shapes it around your real running costs, and sets everything up.
No logins, no long forms. You talk, the numbers appear, and you shape the lease until it fits.
Start with a car and a salary, or just “how does this work?”. The assistant answers in plain English and runs the real maths. No guesswork.
See your weekly cost and exactly what you save. Adjust your running-cost budgets (fuel, tyres, insurance) and watch the number move in real time.
Happy with it? Lock in your final quote and take it forward yourself. We hand you everything to give your employer for sign-off, then you complete the finance and settlement online at your own pace. Self serve, start to finish, and you stay in control.
From your first quote to the day it is paid off, your lease lives in one portal. Control it at your fingertips, and message a real person right there when you need one.
Most Australians can novate with us. Government and small to medium business employees are our home ground. And if we ever can't help, we will tell you straight away, before you lift a finger.
State government employees in Western Australia and South Australia, set up quickly through your agency's salary packaging.
Easy, we do these every dayCommonwealth and federal agency employees, right across Australia. A simple, well-trodden path.
Easy, we do these every dayMost SMEs. If your employer can process a salary deduction, we can usually make a novated lease work.
Most employers welcomeSome big companies lock their salary packaging to a single in-house provider, so a novated lease has to go through them. If that is your employer, we are not able to help. The honest part: it is worth a quick word with your own payroll or salary packaging team before you start, so you know where you stand from the outset.
Government or a small to medium business? You are good to go.
Build your quotePlenty of quotes show you a low weekly figure and bury the rest. We show you all of it, because a decision this big deserves the full receipt.
Here is the part most people miss. On a novated lease the GST on the car comes off before you finance it, so you borrow less than the drive-away price. Add our one flat $1,500 fee, no percentage commission, and you finance less than you would walking into a dealer and taking their loan.
Paint and interior protection, window tint, dash cams, minor damage cover, regular washes. Handy to bundle into your lease so they come out of pre-tax salary too. Here is the part the rest of the industry would rather you did not know: extras are where they mark up two or three times over and pocket the difference. We just do not. You see the supplier cost, the retail price, and our price, which is that cost plus a flat 10 percent. That is the whole trick.
Same car, run the same way, over 5 years. A normal car loan you can add up yourself, next to exactly how the novated version comes out of your pay, like a payslip. Petrol on one side, electric on the other. Nothing rounded in our favour.
Example: a $46,658 drive-away car, salary $95,000, NSW, 5 years, 15,000 km a year, car loan compared at 9.5%. Estimate only.
FBT applies, but it is cancelled out
Under $91,661, so it is FBT exempt
Estimate only, based on the assumptions above, and not personal financial, tax or credit advice. Your result depends on your salary, state, car and running costs. The residual is what you pay to keep the car at the end, the same idea as a balloon on a car loan, and the car still has resale value at that point. Charging is costed at typical home rates and will vary. We compared against a car loan at 9.5%, a typical retail rate. The electric car saves more because there is no FBT to cancel out. Your real figures come straight from the calculator, never an estimate we made up.
Use the full calculator to compare a novated lease against paying cash or a car loan, or just ask the assistant and let it do the working.
Do it yourself at your own pace, or let us guide you. A real person calls you, walks through your quote, answers everything, and makes sure you are comfortable. Same flat price, no extra fee, and it runs itself from there.
Get a call and we will guide you →You move at your own pace, but you are never on your own. If something is confusing, or you just want a human to sanity-check your quote before you sign, our team is one message away. A real person answers, not a bot.
It bundles your car's finance and running costs into one regular payment that comes out of your pre-tax salary, so you save income tax, plus the GST on the car and its running costs.
Yes. The financier buys the car and claims the GST credit, so it's financed GST-exclusive, up to about $6,353 off. The assistant shows your exact figure, never a made-up one.
No, and we'll say so. For some cars (an expensive petrol car with high FBT, for example) buying outright can win. The assistant compares it honestly against cash and a car loan.
No. Just start chatting, with no account or email required to see your numbers. You only leave details if you want us to set the lease up for you.
No, and here's the cheeky bit: the louder someone insists you need guiding, the bigger the fee that usually waits at the end of it. A consultant is paid to help you and to hit a sales target, so we kept the help (a calculator that shows every number, and a real person on chat or email whenever you're stuck) and dropped the commission that rides on the advice. You stay in control, and we are right here if you want a hand.
No. Everything here is general information and estimates. For advice on your specific circumstances, check with our team or your accountant.
A real benefit for your staff, at no cost to the business. Set your organisation up once, then share a link with your team. The rate is the rate, and quotes do not rise after someone commits.
See it for employers →