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Novated Lease

What is a Novated Lease?

A Novated Lease is a smart, tax-effective way for employees to finance a new or used vehicle through their employer.
It’s a three-way agreement between you (the employee), your employer, and the finance company.

 

Under this arrangement, your employer makes the vehicle lease repayments directly from your pre-tax salary, which can reduce your taxable income — meaning more savings in your pocket.

 

You can choose the car you want, drive it for both personal and work use, and enjoy the convenience of a fully managed vehicle payment plan that covers finance, fuel, insurance, and maintenance — all in one simple deduction.

 

At All Asset Finance, we make novated leasing simple and transparent, helping you compare the best options from 47+ lenders and major banks to ensure the deal suits your lifestyle and budget.

Key Benefits of a Novated Lease

  • Tax Savings – Lease payments are made from your pre-tax income, reducing your taxable salary and potentially saving thousands annually.
  • Flexible Vehicle Choice – Choose any eligible new or used car that fits your budget and preferences.
  • Simplified Payments – One regular payment can include your finance, registration, maintenance, fuel, and insurance.
  • No Upfront Costs – Get behind the wheel without paying a large lump sum upfront.
  • Ownership Options – At the end of the lease term, you can pay the residual and own the car, refinance, or upgrade to a new model.
  • Portable Arrangement – If you change jobs, your novated lease can be easily transferred to your new employer.

Types of Novated Leases:

We offer flexible novated lease options to suit individual needs and employer policies:
  • Fully Maintained Novated Lease This option includes all running costs — fuel, maintenance, insurance, registration, and tyres — bundled into one easy payment.
  • Non-Maintained Novated Lease You only lease the vehicle and manage other costs separately. Ideal for those who prefer more control over expenses.
  • Pre-Owned Vehicle Lease Lease a quality used car instead of buying new — perfect if you’re looking for affordability without compromising quality.
  • EV & Hybrid Novated Lease Finance electric and hybrid vehicles while enjoying government incentives and lower running costs.

Hear From Our Satisfied Clients

Maxine Vincent

Kristy was amazing to deal with for financial services. She was fast, efficient, honest, and professional. Highly recommend her to family and friends.

Adam

I prefer Kristy at All Asset Finance for all my business and personal finance needs. Excellent service, integrity, and always gets the job done. Highly recommended!

Ravindra Sen

Kristy provided excellent finance service for my daughter’s car. Her professionalism and customer service were outstanding. I highly recommend her business.

Chris Crawford

Kristy is fast, reliable, and makes things happen. She’s been my go-to for finance needs for over five years. Highly recommend her as a dependable partner.

Camboss Engineering

Kristy has been exceptional in communication and professionalism for over two years. She consistently makes the finance process smooth and stress-free. Highly recommend her services.

Tavita Tai Jr Paulo

Kristy and her team were on point and always available, even during weekends. Working with All Asset Finance was easy, especially with my busy lifestyle. I’ll definitely return!

Leanne

Kristy makes the finance process easy with clear options tailored to our needs. We’ve built a long-term relationship with her. I highly recommend her for all financing needs.

Abeel Victor

Kristy was very reliable and helpful for my business. I’ll definitely be back for more financing. Highly recommend her services!

Paul

Kristy has been handling my finance for several years. She’s easy to work with, and I wouldn’t go anywhere else. She makes getting loans so simple.

Amy

Kristy and her team provided outstanding service while securing finance for two vehicles. The process was stress-free, and they understood our needs perfectly. Highly recommend!

Luke

Kristy was a huge help in getting me into my new car. Highly recommend her services! She made the process quick and easy.

Mike Davison

Kristy is incredible! This is my second car purchase with her and my fifth with the company. Couldn’t be more impressed with her service and ease of working with her.

ASL Logistics

Kristy has been exceptional in handling over 10 heavy vehicle loans. She provides competitive rates and goes above and beyond. I highly recommend her for all finance needs.

Karissa

Purchasing my new car through All Asset Finance was a smooth experience. Everything was explained clearly, making the process stress-free. I highly recommend them for anyone looking to buy a car!

Novated Leases

Frequently Asked Questions (FAQs)

How does a novated lease work?
A novated lease is a salary packaging arrangement. Your employer deducts lease payments from your pre-tax income and pays the finance company directly.
Yes, you can choose any new or used vehicle (subject to lender approval). You’re not limited to specific brands or dealers.
Your lease can usually be transferred to your new employer. If not, you can take over the payments directly.
The finance company owns the vehicle during the lease term. You can buy it at the end by paying the residual value.
If you choose a fully maintained novated lease, all costs like fuel, servicing, insurance, and registration are included.
Lease terms typically range from 1 to 5 years, depending on your needs and the vehicle type.
Yes, we offer novated leases for both used and electric vehicles.

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