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Pay your rent or mortgage pre-tax with salary packaging.
Working in healthcare, you care for others every day. We help you care for your income. By salary packaging everyday expenses, like your mortgage or rent, you could pay less tax. That means more money in your pocket.
Over 70% of healthcare workers save every year with salary packaging1. You could too.
Use the salary packaging calculator to see how much you could save.
Salary packaging, also called salary sacrificing, is a benefit offered by your employer that lets you pay for some everyday goods and services before your tax is calculated. This means you pay less income tax and keep more in your take home pay.
What you can salary package depends on your employer, industry and your employment status.
Whether you’re exploring salary packaging for the first time, wanting to add new benefits, or thinking of salary packaging a car, Smart™ makes it simple.
If mortgage or rent payments are your biggest financial stressor at the moment, you’re not alone.
Smart’s cost of living report, Stretching Your Salary: How Australians are Managing Cost of Living Pressures2, found the biggest pressures on monthly budgets are mortgage payments (28.3% of respondents) and rent (24.4% of respondents).
Healthcare workers can generally salary package their mortgage or rent – one of the few industries that can. It’s a smart way to stretch your income during tough times. Discover if you’re missing out on benefits available to you.
While salary packaging may increase the HECS/HELP repayments you need to make, the tax benefits of salary packaging can often outweigh the extra payments you may have to make against your HECS/HELP debt – keeping more in your pocket.
You’ll just need to let your payroll know that you’re salary packaging and to adjust the amount they withhold for HECS/HELP.
Discover how salary packaging could work your HECS/HELP debt to your advantage.
FAQs
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.
1Over 70% figure calculated by comparing the number of current salary packaging customers to the total number of employees eligible to salary package for PBI 17 healthcare organisations where Smart is the sole salary packaging provider. Calculation correct as of October 2021.
2This report is based on Smart’s Cost of Living survey, where 1,379 customers were surveyed from 28 April to 18 May 2025.