Already claiming your $15,900 cap for living expenses? Ticking off the $2,650 cap for meals and entertainment?
You’re doing well, but you’re leaving savings on the table.
Let’s talk about the benefit that goes beyond the cap.
There’s a Benefit Most Charity Employees Overlook
A lot of people working for not-for-profits believe they’ve reached their salary packaging limit. But here’s the part many don’t realise:
Novated leasing doesn’t count towards your salary packaging cap.
That’s right. Car expenses packaged through a novated lease sit entirely outside your tax-free cap.
It’s not a replacement, it’s a bonus.
That means more of your salary can be used tax-effectively, helping you save on your car costs in addition to what you’re already packaging.
Why This Matters for You
When you package your car through a novated lease, your repayments (and many of your running costs) are paid from your pre-tax salary. This lowers your taxable income and increases your take-home pay without affecting your existing salary packaging benefits.
You don’t have to give up anything. You’re simply adding another layer of tax savings.
For charity workers, this is one of the few ways to go beyond the capped benefits and get more value from your income.
What Can You Package?
You’ve got options and lots of them. Here’s how you can tailor a novated lease to suit your situation:
New Car
Want to drive the latest model with all the bells and whistles?
You can package a brand-new car with full support from our team. From quotes and sourcing to delivery and paperwork, we do the heavy lifting.
Used Car
A quality used vehicle could be the perfect choice if you're looking for value.
The best part? You still get the same novated leasing benefits as you would on a new car.
Your Current Car
Already love the car in your driveway?
You may be able to set up a novated lease on the car you already own, turning it into a tax-effective vehicle and freeing up extra savings.
Electric Car
With the federal government’s Electric Car Discount, eligible EVs can be packaged completely tax-free — no GST, no FBT, and no tax on running costs. If you’ve been thinking about switching to electric, this is the best time to act.
Visit our EV Hub to see which vehicles are eligible and how much you could save.
What’s Covered in a Novated Lease?
It’s not just the car, it’s the full package. You can include:
- Lease repayments
- Registration and insurance
- Servicing, maintenance and tyres
- Fuel or electricity (even if you charge at home)
- Roadside assistance
All rolled into one easy, predictable payment taken from your pre-tax salary.
The Process Is Simple
Getting started is easier than you might think. You don’t need to commit to anything upfront. We’ll walk you through the options and provide a tailored quote based on your needs and budget.
Whether you’re comparing vehicle models, want to know how much you’d save, or just curious if it’s worth it, a free quote is the perfect starting point.
Don’t Let Your Cap Limit Your Benefits
Your $15,900 cap isn’t the end of the road. With novated leasing, charity employees can keep saving, even after the cap is maxed out.
If you’re ready to explore your options or just want to know what’s possible, we’re here to help.