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Q: How could a novated lease help me save?

Your finance and running costs are bundled into one simple payment each pay. Meaning expenses for things such as fuel, maintenance, insurance and registration are already budgeted in your running costs. You don’t pay GST on these expenses, which means you pay less money on costs you’re already paying.

Q: Do I need to drive a lot?

No, you can drive as little or as much as you like. There’s no minimum km requirement with a novated lease.

Q: How is a novated lease paid for?

Smart makes deductions directly from your salary to pay your lease. The deductions continue until the lease ends, or you leave your employer.

Q: Is the car registered in my name?

Yes. A novated lease is just like purchasing a vehicle with a bank loan, so your car is registered to you, and is yours to drive as you choose.

Please complete the form and one of our consultants will contact you shortly. We look forward to helping you with a quote for this car.

4.99% comparison rate^

BMW iX1 xDrive30

Vehicle finance must be settled and vehicle delivered between January 1 2026 and 28 February 2026. Special comparison rates apply to 24 to 48-month lease terms only.

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FAQs

How could a novated lease help me save?

Do I need to drive a lot?

How is a novated lease paid for?

Is the car registered in my name?

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Important information

Before entering into any salary packaging or novated leasing arrangement, you should consider your objectives, financial situation and needs, and seek appropriate legal, financial or other professional advice based upon your own particular circumstances. The availability of benefits is determined by your employer. Conditions and fees apply. Smartsalary Pty Ltd, ABN 24 096 796 100, a Smart^TM company.

* Price is based on the following assumptions: (1) living in NSW 2000, (2) salary: $100,000 gross p.a., (3) travelling 15,000 kms p.a., (4) lease term: 5-years, and (5) salary sacrifice using Employee Contribution Method (ECM) and FBT Exempt Method for Electric Car Discount eligible EVs. Images shown may not be the exact car that the calculations have been based on. All figures quoted include budgets for finance, charging and/or fuel, servicing, tyres, maintenance, Vero by Suncorp comprehensive motor insurance, Hydro Platinum Pack and re-registration over the period of the lease. Vehicle residual, as set by Australian Taxation Office, is payable at the end of lease term. The exact residual amount will be specified in your vehicle quote. Figures are accurate as of January 2026 and may be subject to change.

^ Special 4.99% p.a. comparison rate offer valid only for new new BMW iX1 eDrive20, iX1 xDrive30, iX2 eDrive20, iX2 xDrive30 and i4 eDrive35 (pre 31.12.2024 production models). (Promotion). Offer excludes BMW i4 eDrive35 2025 and 2026 production models. Special comparison rates apply only to vehicles purchased through a Smart novated lease between 1 January 2026 and 31 March 2026 (Promotional Period) and delivered by 1 January 2026 and 31 March 2026. Vehicle finance must be procured by Smart and provided by BMW Australia Finance Pty Ltd (ACN 007 101 715) (BMW Finance) with a lease term of 24 to 48 months. Vehicle finance application must be submitted, approved and settled during the Promotional Period. Conditions and eligibility criteria apply for vehicle finance. The comparison rate offered in this Promotion is a limited-time discounted rate offered by BMW Finance to Smartsalary and Autopia customers which is specific to this Promotion and does not reflect the general novated lease customer effective interest rate of Smart or its related bodies corporate.  The comparison rate offered in this Promotion does not apply to any extensions or refinances. Different terms, fees or other loan amounts might result in a different comparison rate. Smart may charge fees for salary packaging and novated leasing administration services and such fees have not been incorporated into the calculation of the displayed comparison rate. Smartsalary, Autopia and BMW Finance reserve the right to change or withdraw this Promotion at any time. Offer not available in conjunction with any other offers. 

^Fringe Benefits Tax (FBT) exemption available for eligible electric or hydrogen cell vehicles purchased through a novated lease up to the Luxury Car Tax limit ($91,387 in FY 2025-26). See the Australian Taxation Office website for full eligibility criteria.