Novated Self Serve

Defence

Defence novated lease

Whether you are serving in the ADF or work as a Defence civilian, you are well placed for a novated lease: secure pay, salary packaging that is well established, and the same electric vehicle FBT exemption everyone gets.

Build your quote No sign-up, no pressure. Every fee shown up front.

Why ADF members and Defence employees are well placed for a novated lease

A novated lease works best with a stable salary, packaging through your employer, and regular driving. Defence roles fit that, which is why so many members use one.

Your employer and salary packaging

Defence is a government employer and salary packaging is well established across the ADF and the department. Because Defence is already set up with us as a government employer, the employer sign-off on your lease is quick.

The electric car angle

An eligible battery-electric car under the $91,661 fuel-efficient threshold is FBT exempt, usually the biggest saving of all, and governments are actively encouraging EV uptake. See the EV novated lease page for the eligible cars.

An honest note: FBT exempt means no fringe benefits tax is payable, but the benefit is still reported on your income statement. That reported amount can affect income-tested things like HECS or HELP repayments, the Medicare levy surcharge, and family payments. Our calculator and team will always show you the full picture.

See your real numbers

Put your salary and the car into the calculator for your real weekly cost and savings, with our flat $1,500 fee and the true effective rate shown. No sign-up, no pressure.

Common questions

Can ADF members get a novated lease?
Yes. Defence offers salary packaging, which is all you need. Both serving ADF members and Defence civilians can package a novated lease and pay for a car from pre-tax salary.
What happens if I am posted or deployed?
The lease is fully novated and travels with you. Your running-cost budget can be adjusted if your driving changes, and we manage the lease in life, so a posting is not a headache. Message us and we sort it.
Do Defence employees get the EV exemption?
Yes. The EV FBT exemption is federal and applies regardless of employer, so a Defence member leasing an eligible electric car gets the same large saving.

Keep reading

See your real numbers in minutes

The weekly cost, what you save, and every fee. Nothing hidden.

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