What is a novated lease in Australia?

A novated lease is a salary packaging arrangement where your employer makes vehicle payments on your behalf using pre-tax income, helping reduce taxable income.

Can I get a novated lease in Sydney?

Yes, Asset Finance Partners provides novated lease solutions for clients in Sydney, including Bondi Junction and surrounding suburbs.

Is a novated lease better than a car loan?

A novated lease can offer tax benefits and bundled vehicle costs, making it more suitable for salaried employees compared to traditional car loans.

What is asset finance?

Asset finance allows Australian businesses to acquire equipment, vehicles, or machinery by spreading costs over time rather than paying upfront. The financed asset is used as security, helping businesses maintain cash flow while securing essential tools.

How does equipment finance work in Australia?

Equipment finance in Australia allows businesses to fund the purchase of machinery, vehicles, or technology through products like chattel mortgage, finance lease, or commercial hire purchase. A broker like Asset Finance Partners matches you with the right lender from a panel of 40+ banks and non-bank lenders.

How quickly can I get pre-approved for asset finance?

Asset Finance Partners typically provides pre-approval responses within 24 hours for standard applications. Same-day responses are available for qualified borrowers.

Do I pay a fee to use Asset Finance Partners?

No. Asset Finance Partners charges no broker fee to clients. Our fee is paid by the lender upon settlement.

What types of assets can be financed?

Asset Finance Partners finances vehicles, trucks, trailers, construction equipment, excavators, cranes, agricultural machinery, medical and dental equipment, manufacturing equipment, technology, and fitouts across all major industries.

Does Asset Finance Partners operate across all of Australia?

Yes. While our team is based in Bondi Junction, Sydney, we arrange asset finance and equipment finance for businesses across all Australian states and territories including NSW, VIC, QLD, WA, SA, and regional areas.

What is a chattel mortgage?

A chattel mortgage is a common business finance product in Australia where the lender takes a security interest over the asset while you own it from day one. It offers potential tax advantages including GST claims and depreciation deductions for eligible businesses.

Can I get vehicle finance for my business through Asset Finance Partners?

Yes. Asset Finance Partners arranges business car finance, commercial vehicle finance, truck finance, ute finance, van finance, and fleet funding for ABN holders across Australia.

Novated Lease Australia | Novated Leasing Sydney | Asset Finance Partners

A novated lease is one of the most tax-effective ways for employees across Australia to finance a vehicle. At Asset Finance Partners, we specialise in structuring novated lease solutions for clients in Sydney, Bondi Junction, and Australia-wide—helping you reduce tax, simplify vehicle costs, and drive away sooner.

Whether you’re a salaried employee, contractor, or business owner with PAYG income, a novated lease can provide significant financial benefits when structured correctly.

What is a Novated Lease?

A novated lease is a three-way agreement between:

You (the employee)
Your employer
The finance provider

Your employer makes the vehicle repayments on your behalf through your salary package, typically using pre-tax income. This can reduce your taxable income and improve your overall financial position.

At Asset Finance Partners, we help clients across Sydney and Australia structure novated leases that maximise benefits and minimise complexity.

Benefits of a Novated Lease in Australia

A novated lease offers several advantages compared to traditional car finance options:

Reduce your taxable income through salary packaging
Potential GST savings on the vehicle purchase price
Consolidate running costs (fuel, insurance, maintenance)
Fixed, predictable payments
No large upfront cost required
Flexibility at the end of the lease term

For many clients in Sydney and across Australia, novated leasing is one of the most efficient ways to finance a car.

Who Can Use a Novated Lease?

Novated leases are ideal for:

Full-time employees
PAYG income earners
Government and corporate employees
Individuals with stable employment

If you are based in Sydney, Bondi Junction, or anywhere in Australia and receive a salary, you may be eligible for a novated lease.

What Can Be Included in a Novated Lease?

A properly structured novated lease can include:

Vehicle purchase
Fuel costs
Registration
Insurance
Servicing and maintenance
Tyres and running costs

At Asset Finance Partners, we ensure your novated lease is structured to include all relevant costs—so there are no surprises.

Novated Lease vs Car Loan

Choosing between a novated lease and a standard car loan depends on your financial situation.

A novated lease may be more suitable if:

You want tax benefits
You prefer bundled vehicle costs
You are a salaried employee

A car loan may be better if:

You are self-employed
You prefer full ownership immediately
You don’t have access to salary packaging

We provide tailored advice to clients across Sydney and Australia to ensure you choose the right option.

Novated Lease Sydney

If you are searching for novated lease Sydney, Asset Finance Partners provides local expertise from our Bondi Junction base.

We work with:

Employees across Sydney
Corporate organisations
Individuals looking for fast approvals

Our team understands the Sydney market and can structure novated leases quickly and efficiently.