Car Salary Sacrifice

What is salary sacrificing, and how can it benefit me?

Salary sacrificing is one of the smartest ways to finance and purchase your new car. It may sound negative, but this financing option is a practical choice. The process is simple and straightforward.

Upon finding and settling on your ideal car, we make arrangements for its purchase through a novated lease. The amount used to pay the lease back will come directly from your salary. Deductions to your salary will happen before the final calculation of your tax. This reduces your taxable income and results in a reduced tax bill for you.

By “sacrificing” part of your salary each month to finance the car, you’re actually reducing your taxable income and saving a considerable amount of money. Check out our examples page to see how this works.

You can also reduce the Fringe Benefit Tax(FBT) paid against your purchase by making contributions to the operating costs of the vehicle with post tax income. This is called the Employee Contribution Method (ECM), and you can learn more about this on our FAQs page.

Why choose Fleet Network?

Established since 1997, Fleet Network has been doing vehicle novated lease financing for over a decade. Other companies in the salary packaging industry dabble in vehicle novated lease finance, but at Fleet Network, novated leases and salary sacrifice are our expertise.

Our wealth of experience working with employees and employers to arrange novated leases allows us to provide the best quality service and depth of knowledge in the industry. Our vast Australia wide network means you get access to the car want with the savings made possible through our buying power.

What is the Employee Contribution Method (ECM)?

ECM is a way to reduce your Fringe Benefits Tax by contributing to your running costs using post tax income. Every post-tax dollar you spend towards the running costs of your vehicle reduces your FBT by the same amount.

Since FBT is calculated at the highest end of your tax bracket, this reduction can often work in your favour to reduce your overall tax bill. ECM is the best method to use to maximise the tax savings available to you, if you are on a personal tax rate less than the maximum personal tax rate of 46.5%.

Salary Sacrifice is an excellent way to get the car you have been longing for affordably. Since there are tax concessions and other benefits with a novated lease, it can often be the right financial choice as well. Learn more on our FAQs page and contact Fleet Network today to find out if it is the right option for you.

Can anybody salary sacrifice?

Yes. Despite the myths and other rumours you may have heard about it, the truth is you can qualify as long as you are employed and have approval from your employer. For government employees, you are already pre-qualified to arrange a novated lease for salary sacrificing through your employer.

For non-government or private employees, arranging and benefitting from the savings of a novated lease to salary sacrifice is just as easy. Check with your employer to see if they’ve already gotten in touch with us to arrange a plan for you. If not, link them to our Employer Information page to help them learn why they should.

Call us today at 1300 738 601 and we’ll help you get started on arranging a novated lease with your employer.

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SPEAK TO OUR NOVATED LEASE EXPERTS TODAY.

WE ARE DEDICATED TO GETTING YOU THE BEST RESULT.

“Thanks Jodie, I would just like to say that you have been fantastic with your help through this whole car process and I really appreciate everything that you have done.”

Donna , WA DOCS

SPEAK TO OUR NOVATED LEASE EXPERTS TODAY.

WE ARE DEDICATED TO GETTING YOU THE BEST RESULT.

“This is the third vehicle we have bought from Fleet Network. We keep going back because we get such great service and good value for money from the vehicles we buy. We’ve currently got a Honda Odyssey Luxury, which is a great family car. We always do our own research first and then just call them up and tell them what we want. They source it, give us the price, do all the paperwork and then we just go and pick it up. It’s so simple. The hardest part is choosing the car we want! As to recommending them, anytime we have friends looking for a car we recommend Fleet Network. They’re a good company and everyone we recommend has had a good experience.”

Garry , Department of Indigenous Affairs, Western Australia

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WE ARE DEDICATED TO GETTING YOU THE BEST RESULT.

“I would like to say a very big thank you to Sean and Sherren for providing me with really outstanding customer service.”

Karen , WA Transport

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WE ARE DEDICATED TO GETTING YOU THE BEST RESULT.

“I first started dealing with Fleet Network in 2002 when I got in touch and spoke to Matt. I was a bit wary as I had never financed a car this way before but Matt talked me through everything and put me at ease. I told him the things I was looking for in a car and before I knew it he had arrived with a Toyota Corolla for me to test drive. I tested it, he went through the costs, which were almost negligible, and the car has been going beautifully ever since. It’s been passed through the family but Matt was right, it was exactly what I was looking for and has been a great car. Since then I have bought 3 more cars through Fleet Network. I can’t recommend them highly enough – they are really good people, so friendly and they always follow through on their promises. Everyone I know who has dealt with them has commented that Fleet Network really do care.”

Antonio , Department of Education, Western Australia

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WE ARE DEDICATED TO GETTING YOU THE BEST RESULT.

“Sasha at Fleet Network was exceeding professional and is really looked after me extremely well!!! My first contact was with Steve Asher and then Frank rang me and worked towards satisfying all my requirements! Would highly recommend them to anyone, which I have already done on three occasions already!”

Kevan , Qld Education

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WE ARE DEDICATED TO GETTING YOU THE BEST RESULT.

“This is the third car that I have bought through Fleet Network. I change my car every three years and this time I wanted a VW Beetle convertible, my dream car, and there was only one left in Australia. Fleet Network managed to find the car for me and get it sent over from the dealer over east. They were fantastic. They then held onto it for me while I got my other car ready for exchange, a process that was delayed due to hail damage from the storms. There were further delays as things got held up with the insurance company but Fleet Network was brilliant. They kept me up-to-date with everything and waited while I got it all sorted out. I would definitely recommend them. They are really friendly and helpful and everyone I have spoken to has been brilliant.”

Colleen , WA Health, Western Australia

SPEAK TO OUR NOVATED LEASE EXPERTS TODAY.

WE ARE DEDICATED TO GETTING YOU THE BEST RESULT.

“Jodie and Tim were excellent to work with, they helped me understand exactly what I needed to do and Jodie guided me through the whole experience expertly and patiently.”

Sarah , Dept of Education

SPEAK TO OUR NOVATED LEASE EXPERTS TODAY.

WE ARE DEDICATED TO GETTING YOU THE BEST RESULT.

“Yes, everything is going great for this vehicle so please thank Frank Agostino, Vicki Scott, Sasha Carruthers and Tammie Maciejak for all their help.”

Craig , WA Health

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WE ARE DEDICATED TO GETTING YOU THE BEST RESULT.

“The vehicle is everything we thought it would be as it’s our third Santa Fe, second diesel. A lot more refined than the earlier model, none the less both Joanna and myself are very happy with it. Right from the start when we spoke with Tim nothing was too much trouble and if there was a query then our contact persons were only too happy to attend to our questions with the utmost professionalism and courtesy. I have passed on to other staff members your company name and hopefully they will be in touch with yourselves in the future.”

Phil , Corrective Services

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WE ARE DEDICATED TO GETTING YOU THE BEST RESULT.

“Everything is going very well. The whole process was excellent and I am very happy. Thank you.”

Mark , Army

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WE ARE DEDICATED TO GETTING YOU THE BEST RESULT.

“Everything great with my new car. Customer service was excellent was a pleasure doing business with your company.”  

Theresa , NT Dept of Health

SPEAK TO OUR NOVATED LEASE EXPERTS TODAY.

WE ARE DEDICATED TO GETTING YOU THE BEST RESULT.

“Your customer service during the leasing process was outstanding, as it was last time. We would not hesitate to lease through Fleet Network again when our lease is up.”

Jason , WA Education

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WE ARE DEDICATED TO GETTING YOU THE BEST RESULT.

“Everything is fantastic with my car and the service I have received was great, can’t thank you enough. Thanks Carole, I do appreciate your follow up. Well, so far everything is ok, if I have any queries I will definitely contact you. The customer service was quite good, I was impressed by consistent and up to date communication throughout the process.”

Memory , NT Dept Children and Families

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WE ARE DEDICATED TO GETTING YOU THE BEST RESULT.

“We have a big family and when we first started dealing with Greg from Fleet Network earlier this year he pushed and pushed to get us into a car big enough for us all and one that would work within our budget. He just wouldn’t give up! We now drive a Hyundai iMax, which is perfect for us. We rang him up so many times with questions but nothing was ever a hassle for him. When Greg went on holiday and Jodie took over it was exactly the same – they were phenomenal. They really did go above and beyond what they had to do in order to help us. Would we recommend Fleet Network? We already do recommend them, to everyone. They have been just so friendly and helpful and worked so hard for us. We can’t thank them enough.”

Troy and Karen , State Government Employee, New South Wales

SPEAK TO OUR NOVATED LEASE EXPERTS TODAY.

WE ARE DEDICATED TO GETTING YOU THE BEST RESULT.

“I would like to say a big thank you to Sasha who provided me a very valuable service, she has been very patient, friendly and always providing me up dates on my current vehicle on order. I currently work for defence and as you probably do not know our movements can be stressful at times and have requested to have my vehicle delivered to me before the delivery date of December 12. Even though Sasha has been informed by Holden that the said due date will still occur on December 12, she is trying really hard to have this vehicle delivered to me at the earliest opportunity due to my transfer taking place on December 16. Once again thank you and I am looking forward to doing business with you during the course of my lease through Fleet Network and I will highly recommend your company to Defence and to family members.”

Rudsyn , Defence

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WE ARE DEDICATED TO GETTING YOU THE BEST RESULT.

“I’d like to thank you and the Fleet Network team for the professional and friendly assistance I received throughout the process and renewing my car. The whole team ensured I knew everything that was happening and a special thanks to the lady who I signed the final paper work with on the hand over day, she was so nice. I have since mentioned you guys and the service you provide to a few of my friends and hope that if they choose to go down this path then they will certainly be looked after. Once again thank you all so much, I will see you all again at the end of my lease for a new one, apparently my son will have his licence by then and has already claimed my car.”

Shirley , WA Education

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WE ARE DEDICATED TO GETTING YOU THE BEST RESULT.

“Can I just say that I love driving my new car. Thank you and your staff very much for your assistance. Ann is so looking forward to meeting with you. We are all going to be driving new cars in this office at this rate. Thanks again.”

De , WA Dept of Human Services

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WE ARE DEDICATED TO GETTING YOU THE BEST RESULT.

“Everything is going well with my vehicle, I love it. I am more than happy with the assistance that I received during the process and would happily recommend Fleet Network to others.”

Jo-Anne , QLD Dept of Communities