Get into a BMW with a novated lease
The ultimate way to enjoy big tax savings on the ultimate driving machine.
BMW Excellence. Smart Convenience.
In an industry first for both organisations, SmartTM have partnered with BMW Financial Services to bring novated leasing directly to BMW dealerships.
This opportunity helps make novated leasing easier, more accessible, and more convenient for both employees and employers. It is one of the most affordable ways to own a BMW – a seamless and fast leasing experience in a dealership, paired with significant savings.
The first of its class - from $302/week*
Meet the all-new BMW iX3 40 xDrive - premium electric driving, under the luxury car tax threshold.
The BMW iX3 sets a new benchmark in electric performance, combining signature BMW luxury with next-generation innovation.
With pricing from $302 per week* and sitting under the luxury car tax threshold, it’s a smarter way to step into premium EV driving through a novated lease.
Unlock a special 6.99% p.a. comparison rate on BMW iX1 and iX2 models^
Vehicle must be ordered through a Smart novated lease and financed with BMW Finance. Special comparison rates apply to 24-48 month lease terms only. Finance must be settled and vehicle delivered between 1 July 2026 and 30 September 2026.
Eligible vehicles for 6.99% p.a. comparison rate.
Get big tax savings on a BMW
We're proud to partner with BMW to help make it more affordable and convenient to own and run a car you love.
A novated lease with Smart™ could save you thousands. There's no GST on your BMW's purchase price. Pre-tax dollars are used for finance and running costs, so you could pay less tax. And payments are bundled into one regular pay deduction for simpler budgeting.
End-of-lease peace of mind
Before you even take delivery of your BMW, you can lock in a guaranteed future value at the end of your lease, giving you flexibility and peace of mind.
When your lease ends, your options include trade-in, pay out and keep the vehicle, or return your BMW applying the BMW Guaranteed Future Value.
Frequently asked questions
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 Smart™ company.
Novated leasing finance is provided by BMW Australia Finance Pty Ltd (ACN 007 101 715). Salary packaging and novated leasing administration services are provided by Smartsalary Pty Ltd (ACN 24 096 796 100) and Autopia Management Pty Ltd (ACN 111 369 049), which are Smart™ companies.
± GST is not payable on the purchase price of a vehicle financed through a novated lease (GST savings are calculated on the FBT base value of the vehicle, up to the claimable limit [$6,353 in FY 2026-27] unless exempt).
* 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.
^ Special 6.99% p.a. comparison rate offer valid only for all new and demo BMW iX1 models and BMW iX2 models. (Promotion). Special comparison rates apply to all new and demo BMW iX1 and iX2 vehicles purchased through a Smart™ novated lease between 1 July 2026 and 30 September 2026 and delivered between 1 July 2026 and 30 September 2026 (each a Promotional Period). Subject to vehicle stock availability. 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 vehicle’s respective 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.