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What is a sale and leaseback?

Here’s how it works

  1. You keep driving your current car – we buy it from you and finance it back to you via a novated lease.
  2. You put the money currently tied up in your car towards other expenses, such as house renovations, a holiday, or even pay off a credit card.
  3. The car finance payments and running costs are paid from a combination of your pre-tax and post-tax salary, resulting in income tax savings. Plus, you’ll receive GST savings on both the car’s value and it’s running costs.²


And here’s how you can save…


Already own a car or have more than one car in your household?

A ‘sale and leaseback’ is perfect! You can still access the tax savings, convenience of fuel cards and great discounts via our maintenance program on a car you already own.

In the meantime, if you’re interest and your car is under finance, please contact your financier for a payout amount and then get in touch with us by clicking the button below. If you own your car outright, simply arrange a callback from one of our consultants by clicking the button below.


Request a callback



¹ To be able to salary package a used/current car, it must be less than 10 years old at the end of the lease.
² GST savings on running costs dependent on the GST processing method nominated by your employer.
³ Based on the following assumptions: living in NSW 2000, salary: $70,000 gross p.a., travelling 15,000 kms p.a., lease term: 36 months, salary packaging 2016 Mazda 3 Maxx Auto, valued at $17,600, using Net GST processing method and Employee Contribution Method for FBT purposes. All tax savings calculations include budgets for fuel, servicing, tyres, maintenance, Vero by Suncorp comprehensive motor insurance and re-registration over the period of the lease. The total amount saved is a comparison to financing the purchase price of the vehicle over 3 years and paying for all running and maintenance costs
out of your post-tax earnings. Your actual savings will depend on your income tax bracket, the GST processing method nominated by your employer, administration fees payable under your employer’s salary and your personal circumstances. Vehicle residual, as set by Australian Taxation Office, payable at the end of lease term. The exact residual amount will be specified in your vehicle quote.
⁴ GST saving calculated on the vehicle price of $17,600 (FBT base value). When entering a novated lease on your existing car you may choose to claim the GST on the valuation of the car. An additional fee will be applicable at the time of entering into the lease.

Posted by The Autopia Team

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