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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.

Available from $302^ a week

BMW iX3

40 xDrive

Step into luxury electric driving without the luxury car tax. Vehicle must be ordered through a Smart™ novated lease and financed with BMW Finance.

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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

This is general information only. 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) (Smartsalary). 

Novated leasing finance is provided by MINI Finance Pty Ltd (ACN 007 101 715) (MINI Finance). Salary packaging and novated leasing administration services are provided by Smartsalary and Autopia Management Pty Ltd (ABN 80 111 369 049) (Autopia), which are Smart™ companies. 

* Special weekly price is based on the following assumptions: (1) living in NSW 2000, (2) salary: $100,000 gross p.a., (3) travelling 10,000 kms p.a., (4) lease term: 5-years, and (5) salary sacrifice using FBT Exempt Method. Price quoted include budgets for finance, Vero by Suncorp comprehensive motor insurance, 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. Special weekly price applies to BMW iX3 NA5 40 M-Sport Wagon 5dr Auto 1sp 235kwh vehicles ordered and delivered through a Smart novated lease between 1 July 2026 and 31 December 2026 (Promotional Period). Vehicle finance must be procured by Smart and provided by BMW Australia Finance Pty Ltd (ACN 007 101 715) (BMW Finance). Figures are indicative only and based on quotes obtained by Smart from its dealership network in July 2026. Smartsalary, Autopia and BMW Finance reserve the right to change or withdraw this Promotion at any time. Subject to vehicle stock availability. Offer not available in conjunction with any other offers.