Novated Leasing for Australian Government Employees
Whether you work in the Australian Public Service (APS), state government departments, public healthcare, education, emergency services, or local councils, a novated lease is one of the most effective employee benefits to reduce your taxable income.
Public Sector Eligibility & Coverage
We support government staff across Australia:
All Commonwealth agencies & departments
NSW, VIC, QLD, WA, SA, TAS, ACT, NT
Nurses, doctors, teachers, police & firies
Metropolitan & regional city councils
Self-Managed Novated Lease: Why You Don't Have to Settle for Panel Rates
Most government departments have an established salary packaging administrator (such as Smartsalary, Maxxia, RemServ, or SalaryPackagingPLUS). While convenient, employees are often unaware of a critical fact:
You can shop around for your own vehicle finance!
A self-managed novated lease allows you to source your own vehicle and competitive finance terms from the wider commercial market, rather than accepting the captive financier rate offered by the panel provider.
Why Government Employees Are Rushing to Electric Vehicles (EVs)
Under the Australian Government's Electric Car Discount, zero-emission vehicles below the $91,661 Luxury Car Tax limit are exempt from Fringe Benefits Tax.
Because government staff are salaried PAYG employees on structured pay scales (APS 4 to SES, or State equivalent grades), salary sacrificing an EV allows you to:
- ✓Drop Into a Lower Marginal Tax Bracket: Paying 100% of car lease and electricity/charging pre-tax lowers your taxable income substantially.
- ✓Preserve HECS/HELP & Superannuation: Your superannuation guarantee contributions remain calculated on your ordinary time earnings (pre-sacrifice gross base).
- ✓Zero Out-of-Pocket Maintenance: Tyres, roadside assistance, charging, registration, and comprehensive insurance are all deducted smoothly each payday.
How to Set Up Your Government Novated Lease
Calculate & Choose Your Car
Select any make or model (EV, Hybrid, or Petrol/Diesel) and calculate your fortnightly take-home pay impact.
Confirm Department Packaging Policy
Check whether your department allows direct financier novation or uses an external administrator.
Sign Novation Deed
The tri-partite novation agreement is executed between you, your department payroll, and the financier.
Collect Vehicle & Enjoy Pre-Tax Savings
Take delivery of your car with full private usage, while deductions occur automatically each pay run.
Calculate Your Public Sector Salary Packaging
Use our interactive calculator to see your exact fortnightly take-home pay impact on your government salary.