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A free coffee can save you a few dollars. A novated lease could save you thousands.
Working in education has many rewards, but who doesn't appreciate a little extra? A novated lease could save you thousands, through big tax savings on a car you love.
You don't have to be a huge earner, and you can choose a car that fits your budget and lifestyle, whether it's brand-new, second-hand or one you already own.1
If you don't work in education, you may still be able to get a novated lease. Click here to find out more.
A novated lease lets you pay for your car finance and running costs using a combination of pre-tax and post-tax salary. (For eligible EVs^, an electric car discount means all costs are paid from your pre-tax income.)
This could greatly reduce your taxable income and the tax you have to pay. And with car expenses already paid, you could have more left for other things.
Through our huge dealer network and buying power, we offer education employees some great deals on popular models – from stylish SUVs to sporty hatchbacks, and the latest hybrids and EVs.
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Smart™ is a leading novated leasing provider for the education sector. We make it simple to explore options and get into a car that ticks all your boxes – from school commutes and general running around to holiday road trips.
We do all the legwork. We can help you get a new car at a great price. If you're buying second-hand, we’ll guide you through the process. And we can help you sell your existing car through our free Vehicle Disposal Program.
Hear about the benefits first-hand, explore popular cars, and read up on the details of novated leases for teachers and other education staff.
When English Coordinator Pamela needed a new car, a colleague suggested a novated lease through Smart. Now Pamela’s in her second car – and recommending Smart to everyone at school.
Check out Wheels magazine's review of the eight most popular cars for teachers, to see which model might be right for you. From standout features to reliability and efficiency, learn what makes them popular choices.
Getting the car you want might not be as expensive as you think. This article, written specially for teachers, explains how you can upgrade your ride and reduce your taxable income at the same time.
A novated car lease isn’t the only way to save with salary packaging. Many things you now pay for from your after-tax income could instead come out of your pre-tax income, letting you enjoy big tax savings.
Boosting your super savings with additional super contributions is a powerful way to set yourself up for success. Even more so if you're a woman impacted by pay equities.
You could also salary package a tablet, mobile phone or laptop (if it's mainly used for work)², and much more. Benefits depend on your employer and employment status. Click below to discover how you could start saving today.
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.
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., (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 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 April 2025.
^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 2024-25).
1. To package a used or current car, certain financier requirements must be met. Exact age requirements and minimum value depend on which financier you choose. Generally, vehicles should be less than 12 years old at the end of the lease term with a minimum value of $5,000.
2. A portable electronic device can only be salary packaged if it is used primarily (over 50%) for work purposes. Tax savings achieved through salary packaging will depend on your income tax bracket and personal circumstances.
