Salary packaging and novated leasing with Smart

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^TM company. 

* Discount figures provided are indicative only and based on quotes obtained by Smart from its dealership network in July 2025. Actual discounts may vary depending on factors such as dealer selection, date of purchase and state in which vehicle is purchased. Discounts on RRP are not guaranteed. Discount applies only to the specific car (including make, model and variant) as listed in this email without the inclusion of any optional extras.

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, 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 accurate as of July 2025 and may be subject to change.

1. A portable electronic device can only be salary packaged if it is used primarily (over 50%) for work purposes. Self-education or professional education does not count towards work use.

^ Offer valid only for new or demonstrator MINI vehicles purchased through a Autopia novated lease between 6th July 2025 and 30th September 2025 (Promotional Period) with vehicle finance procured by Autopia and provided by MINI Finance with a lease term of 2, 3, 4 or 5 years (Promotion). Vehicle finance application must be submitted, approved and settled during the 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 MINI 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.

* This offer is only available to those whose employers allow them to finance a car through Smart. To be eligible for 10,000 bonus Qantas Points, individuals must do the following from 7 June 2025: (1) submit the ‘Get a Quote’ form on this page; (2) order a new vehicle through Smart; and (3) obtain finance for that vehicle through Smart. Individuals must be a Qantas Frequent Flyer member at the time of vehicle order and link their account as prompted by Smart. Further terms and conditions apply. For the full terms and conditions of this offer please visit here.

*Estimated saving based on previously marketed price for the Large+ Home Energy Kit of $232p/m price (Victoria only). Monthly subscription price subject to a 2.5% p.a. escalation. Total savings up to $7,622 over 10 years. 

+ The Cheaper Home Battery Program https://cer.gov.au/batteries is a Federal Government initiative. Enreal is a brand of Intellihub Australia Pty Ltd (ACN 626 079 614). An Enreal subscription cannot be salary packaged. The subscription cost is deducted separately from your post-tax salary. By proceeding, you agree to Enreal's Terms of Use and Privacy Policy. You understand that a success fee may be payable from Intellihub to Smartgroup Benefits Pty Ltd (ACN 119 344 740) if you purchase one or more products from Intellihub.