Novated leasing.
Drive a new car and pay for it, and often its running costs, partly from your pre tax salary. Fully serviced and director's wage novated leases, arranged start to finish.
- 30+ five star reviews
- 60+ lenders compared
- No credit file impact to enquire
Get started
See what you could be approved for.
Overview
Finance that fits how you'll use it.
A novated lease is a three way agreement between you, your employer and a finance provider. Your employer makes the lease payments out of your salary, with part coming from your pre tax income. That can lower your taxable income and make a better car more affordable than a standard loan.
If you run your business through a company, you may be able to set up a novated lease as a director, with your own company as the employer. Hayden arranges both. For employees, running costs can often be bundled into one fully serviced package, depending on the provider, so there's nothing else to budget for.
What a fully serviced lease can include
- New and used cars, utes and SUVs
- Electric and hybrid vehicles
- Fuel or charging
- Servicing, maintenance and tyres
- Registration and CTP
- Comprehensive insurance
- Roadside assistance
Loan options
How it can be structured.
- 01
Fully serviced novated lease
Lease payments and running costs such as fuel, servicing, tyres, rego and insurance, all budgeted into one regular deduction from your pay.
- 02
Director's wage novated lease
For directors who pay themselves a wage through their own company. Your company acts as the employer, so you can salary package your vehicle through your own business. Running costs aren't included, so they're paid separately.
- 03
Electric vehicle novated lease
Eligible electric vehicles may be exempt from fringe benefits tax, which can make the savings significantly larger.
What lenders look at
Every lender weighs these differently. That's why comparing across 60+ of them matters.
- Your employer offers salary packaging, or you're a director of your own company
- Income and employment
- Credit history
- The vehicle, lease term and residual
- Your expected running costs and kilometres
How it works
Three steps. One broker.
No surprises. Nothing goes to a lender until you're happy to go ahead.
- 01
Tell us what you're looking to finance
Tell us the car you're after and who you work for, or whether you're a director paying yourself a wage.
- 2 minute quote
- New, used or electric
- 02
We compare suitable options suited to you
Hayden compares novated lease options, residuals and running cost packages to find the setup that suits your pay and driving.
- Fully serviced options
- Director's wage leases
- 03
Approval, documents and settlement
Lease documents handled and coordinated with your employer, so payments come straight out of your pay.
- Coordinated with your employer
- One regular deduction
Reviews
30+ five star reviews
- $3,100 Average saved per deal vs bank or dealer
- 93% Approval rate
- 24 hrs Most deals approved within
What clients say
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Excellent service, great rates for my Land Cruiser 300 series. Highly recommend
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Thank you for sorting out the finance for the car. I just wanted to pass a complimentary note on the professional level of customer service with documentation, conversations and follow up, we felt confident with the way you walked us through the process. Should we need to look at future finance we would certainly consider your services and would recommend your services to anyone looking for finance.
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Thanks to this legend of a bloke. Hayden has made it so easy for me to get behind the wheel weapon. Kids and I are so stoked. Thanks mate.
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Hayden and the team did an excellent job organising a car loan for our business. The turnaround was fast, communication was clear, and everything was handled efficiently with no fuss. It made the whole process easy for us. Highly recommend their service.
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Couldn't recommend Hayden enough! He was fantastic throughout the entire process - fast, reliable and thorough with every detail to make sure we achieved the best possible result. One thing we really appreciated was how accommodating Hayden was with our work schedules, often making himself available for chats after hours when needed. What stood out to us most was his honesty. He was always upfront, explained everything clearly and there were no hidden surprises along the way. An absolute pleasure to deal with and someone we would highly recommend to anyone looking for someone reliable and trustworthy. We will definitely be using Hayden for all of our future finance needs.
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Hayden has been amazing to work with, always onto everything straight away. I've worked with him twice in the last 6 months and is always motivated to have everything completed for you in a timely manner. For example my last request was approved and sorted within 24 hours also with a lender that was more suited to my needs. Always easy to talk to and work with and very professional. Will be working with him more in the future.
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I had a great experience with Hayden from start to finish. The dealer had a 'special rate' for the month and Hayden still managed to beat it and structure the deal properly for me. Everything was super quick and stress free. Would highly recommend to anyone looking to get finance done correctly.
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Hayden has helped me on numerous occasions and has been very easy to work with. He has made it much easier for myself. His communication is second to none. He has had finance settled within 24 hours at the best rate possible. He has been very professional throughout both applications and I would highly recommend going through Hayden to get exactly what you're after. Will definitely be working with Hayden again.
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I honestly can't recommend Hayden enough, he was absolutely amazing throughout the entire process. Hayden was so patient and took the time to explain everything to a T, making sure I genuinely understood the loan and all the details involved. He was always responsive, easy to reach, and never once made me feel rushed or pressured. What really stood out to me was that at no point did I feel condescended. I felt completely comfortable asking any question, even the ones I thought might be "stupid." He answered everything with such clarity and respect. His candour and professionalism were outstanding, and you can really tell he cares about making sure his clients feel confident and informed. I'm so grateful for his help and wouldn't hesitate to recommend him to anyone looking for loan assistance.
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Hayden moved super quick and made the whole process hassle free. I called Hayden at 11am and I pick up my Ute the next day. Will be using his service again.
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I had an excellent experience with Hayden. He helped me secure finance for my Ute and made the whole process incredibly smooth and quick. His communication was clear, his rates were very competitive, and he was completely honest throughout the process. Highly recommend Hayden if you're looking for a reliable and professional broker.
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Unreal to deal with made the whole process a dream would recommend to anyone that is looking for finance
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I recently used Hayden for a loan, and I couldn't be more impressed with the service. The application process was super straightforward and user friendly. I was able to submit everything quickly, and the approval process was really fast. What really stood out was the customer service. They were responsive, friendly, and always ready to answer my questions. They made sure I fully understood the terms of the loan and helped me pick the best option for my needs. The loan itself has great terms, and I felt confident that I was making a smart financial decision. If you're looking for a reliable and easy way to get a loan, I highly recommend Hayden. They made the process simple, stress free, and I'm really grateful for their support throughout!
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Thanks for everything mate. Thanks for making it so seamless, it was a bloody good experience to deal with someone who's just one of the boys. Well done, I'll definitely be recommending you and using your services again.
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Thank you for all your support and patience to answer my queries and work on my quote and make it happen. I found you with immense knowledge on the subject and too professional to match the competitive pricing for my benefit.
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Always there to help with my finance from start to finish. Quick and easy process. I highly recommend.
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Thank you for all your assistance through this journey. I will be referring your services to others. You made it extremely easy.
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I was very happy with the service you provided. Your communication was excellent throughout the entire process. I would definitely recommend you to others.
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Excellent service and easy to deal with. Highly recommend
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Very reasonable and reliable
FAQs
Novated Lease, answered.
Still have a question?
Talk to Hayden directly. No call centre, no obligation.
01 What does fully serviced mean?
A fully serviced (or fully maintained) novated lease bundles your running costs into the lease. Fuel, servicing, tyres, rego, insurance and roadside assistance are estimated up front and paid from your salary, so you have one regular deduction instead of separate bills. Exactly what's included depends on the novated lease provider.
02 Can I get a novated lease as a company director?
Often, yes. If you're paid a salary by your own company, the company can act as your employer for the novated lease. A director's wage novated lease covers the vehicle itself, with running costs like fuel, rego and insurance paid separately. Sole traders usually can't, because there's no separate employer. Your accountant can confirm how it suits your business.
03 What happens at the end of the lease?
There's a residual (balloon) payment set by ATO guidelines. You can pay it and keep the car, refinance it, or trade the car in and start a new lease.
04 What if I change jobs?
The lease can often transfer to your new employer if they offer salary packaging. If not, the lease reverts to you and you make the payments directly.
05 Are electric vehicles better on a novated lease?
They can be. Eligible electric vehicles may be exempt from fringe benefits tax, which can increase the savings. Eligibility depends on the vehicle and its price, so it's worth checking before you choose.
Your broker
Hey, I'm Hayden.
Founder & Director, Fund 360
No call centres, no being passed around. From first enquiry to settlement, you deal directly with Hayden.
Free, no obligation quote. No impact on your credit file.