Salary package up to $15,900 of your pre-tax income towards your credit card repayments by submitting a copy of your credit card statements, if you package credit card payments for statements.

Salary package up to $15,900 of your pre-tax income towards your personal loan:

If paid directly into loan account:

By submitting a copy of a loan statement showing loan balance, BSB and account number.

If paid by a direct debit from your bank account:

By providing a copy of your savings account statement showing debits.

If paid by reimbursements to your bank account:

Please provide:

• A copy of the receipt at the time of claim, or
• Copies of receipts for payments made in the last 12 months, or
• A copy of bank statement showing payments.

Salary package up to $15,900 of your pre-tax income towards your rent by submitting:

• A copy of the rental agreement, or
• A statutory declaration

If the payment is to be made direct, please submit a notice from the landlord with bank account details.

Salary package up to $15,900 of your pre-tax income towards your mortgage:

If paid directly to loan account:

By submitting a copy of a loan statement showing:

• Loan balance
• BSB
• Account number

If paid by a direct debit from your bank account:

Please provide a copy of savings account statement showing details.

If paid by reimbursements to your bank account:

Please provide:

• A copy of the receipt at the time of claim, or
• Copies of receipts for payments made in the last 12 months, or
• A copy of bank statement showing mortgage payments

Below is a case study of Kevin's pay without salary packaging and with salary packaging. Kevin earns $65,000 per year before tax (exclusive of superannuation) and has a living expense of mortgage payments of $611.54 per fortnight and meals/entertainment expenses of $101.92 per fortnight.

If Kevin takes up the salary packaging program, he will have an extra $6,400 in his pocket every year (that's $246.15 extra each fortnight). This is because personal expenses that are salary packaged do NOT attract PAYG tax, whereas an employee's pay which has not been salary packaged is subject to PAYG tax.

If you have a HECS/HELP debt please see payroll before commencing salary packaging.