Smart™ is Westpac's contracted novated leasing provider.
Novated leasing is a cost-effective and convenient way to get into a car you love. Get a personalised estimate by using our leasing calculator.
All things Smart, all in one place
Check how much money you have available, review your transaction history, and track claims - all from the app. With clear, up-to-date salary packaging details, everything is easy to find whenever you need it.
Explore our latest offers for Westpac employees
Smart Sell
Sell your car at a good price, save time and make a smooth transition into your new car, with our complimentary service, Smart SellTM.
Smart Sell
Sell your car at a good price, save time and make a smooth transition into your new car, with our complimentary service, Smart SellTM.
Learn more about the benefits of novated leasing
Register for an upcoming webinar, or request a call back from a leasing specialist.
What is novated leasing?
Novated leasing is a simple salary packaging arrangement where your car finance and many of your running costs come out of your pre-tax pay in one easy, regular payment. If you lease an eligible electric car*, 100% of the costs come out of your pay before tax.
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Unlike other car financing options, novated lease pricing includes finance, registration, fuel or charging and comprehensive insurance.
Quoted prices include:
Finance
Rego
CTP
Fuel/charging
Maintenance
Ford Everest
MY2026.5 Sport 4WD 3.0L V6 Diesel
$921 per fortnight*
BMW X1
sDrive20i
$765 per fortnight*
Jaecoo J5
MY26 Summit FWD EV Single Speed Auto
$357 per fortnight*
Geely EX5
MY27 Inspire Ext Range
$429 per fortnight*
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, a SmartTM company.
* Fortnightly 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., (4a) lease term for BMW iX1: 4-years, (4b) lease term for all other vehicles: 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 indicative only and based on quotes obtained by Smart from its dealership network in October 2026.
^ 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 ($91,661 in FY 2026-27). See the Australian Taxation Office website for full eligibility criteria.