Novated car leasing in Queensland
Start with your employer, then choose the car
New, used or eligible electric — FAA Sal Pac's Queensland team estimates the package online and talks it through by phone, from Brisbane to the Sunshine Coast and beyond.
Explore a novated lease for a new, used or eligible electric car. The order matters: start with your employer's arrangements, because that is what decides whether you can package a car at all and what the estimate will assume, then look at costs and the vehicle. FAA Sal Pac's Queensland team can estimate your options online through the quote portal, or talk them through on 1300 322 777 — and neither step commits you to anything.
A novated lease is an agreement between four parties: you, your employer, a finance company and an administrator such as FAA Sal Pac. You lease a new, used or existing car, and for the life of the lease your employer takes responsibility for the car's expenses, meeting them from deductions taken through payroll. In plain terms it is three steps. First, your employer participates — salary packaging runs through the workplace's payroll and arrangements, so eligibility follows from there. Second, the vehicle: new, used or one you already own, subject to eligibility and finance requirements. Third, the quote: finance and running costs budgeted into a regular deduction, with the estimated effect on your pay set out line by line before you decide anything.
The process FAA publishes is equally plain. You complete a quote online, which sets out the car cost and running expenses; if the estimate suits you, you proceed and a salary packaging account is established; finance is applied for and approved; then you choose the car — or elect to lease the one you already have — and the documentation is generated for signing. Payroll deductions start, the car is collected, and from then on running expenses are paid or reimbursed from the packaged funds, with online reporting for you and your employer. Submitting an enquiry is the start of that sequence, not a finance application.
Why it matters here
Most novated lease content starts with the car. This page starts with the employer, because that is where the real question sits for a Queensland employee: does my workplace support this, and what does its arrangement assume? Salary packaging is arranged between an employer and an administrator, so both your eligibility and the assumptions behind an estimate follow from your workplace — and some arrangements carry extra setup steps, such as establishing a salary packaging account, before a lease can be established. If you are not sure what your employer has in place, that is a reason to ask FAA Sal Pac, not a reason to assume either way.
Once the employer question is settled, the vehicle pathway is a choice among three, and each has its own page in this set. A new car is the straightforward case. A used car, or the car already in your driveway through a sale and leaseback arrangement, may be considered subject to eligibility, finance requirements and any vehicle age limits the finance company applies. An eligible electric car may attract specific fringe benefits tax treatment, with conditions that depend on the car's type and history and rules that are changing on announced dates — which is why it gets its own page.
Then the costs, which are worth understanding before you decide rather than after. A personalised quote separates the finance component, the running-cost budgets your arrangement supports, the administration fees, the split between pre-tax and any post-tax deductions, and the residual amount that falls due at the end of the term. Budgets are estimates that can be adjusted as actual costs become clear, and every estimate depends on the actual arrangement, the vehicle and your circumstances. Whether any of it produces a tax or GST benefit for you is exactly what the personalised estimate exists to show — and independent financial advice is recommended before you enter into or amend a novated lease.
Common questions we solve
Not knowing whether your own workplace supports it
Salary packaging is arranged between an employer and an administrator, and most employees never see that paperwork — so "can I even do this where I work?" is the first blocker, not the tax detail.
Assuming the answer is no means never asking; assuming it is yes can mean budgeting around an arrangement your employer does not have in place.
FAA Sal Pac can confirm how your workplace fits, and what setup it may involve, before you build a quote around it.
Choosing the car before running the estimate
Dealer timelines and enthusiasm push the purchase decision ahead of the packaging decision.
Once the car is chosen, every eligibility surprise becomes a problem instead of a filter — and a different vehicle type may have suited the arrangement better.
The quote portal estimates scenarios for new, used and eligible electric vehicles first, so you compare before you commit; the team can explain what the differences mean.
Reading the regular deduction as the whole cost
One packaged figure is easy to compare against a car loan repayment, and the residual at the end of the term is easy to forget.
The real measure is the total obligation over the term — finance, fees, budgets and the residual amount together — not the regular deduction alone.
FAA Sal Pac's personalised quote shows every line, including the residual, and the team walks through what each one depends on.
Expecting the saving to be certain
Industry marketing leads with best-case outcomes, and "is a novated lease worth it" is one of the most common questions people bring to the decision.
Any potential benefit depends on your salary, your employer's arrangements, the vehicle and how the package is set up; a package that suits one colleague may do little for another.
Estimates are personalised and framed as estimates, and FAA Sal Pac recommends independent financial advice before you commit.
Assuming you need to drive a lot for it to make sense
Older advice tied the benefit to high kilometres, and it still circulates.
Kilometres affect the running-cost budgets in the estimate, but they are one input among several — ruling yourself out on mileage alone skips the actual calculation.
Enter your real expected kilometres in the portal and the estimate reflects them; the team can explain how they interact with the rest of the package, without promising any particular outcome.
Worrying about what happens if your job changes
A lease term is long, and employment is not always.
The arrangement runs through your employer, so a change of employer or an unpaid absence affects it — the existing contract and any new employer's arrangements both need reviewing, and nothing transfers automatically.
Ask the team before you sign, and again if your circumstances change; FAA's approved contract wording, not a web page, sets out the consequences.
Choose your pathway
Request a personalised quote
Tell FAA Sal Pac about your employer and the car you have in mind.
A quote enquiry produces an eligibility review and a line-by-line cost explanation — the quote page sets out what to expect and how to compare providers on the same assumptions.
Request a QuoteSalary sacrifice a car
The same arrangement, explained from the payroll side.
What a package may include, how pre-tax and post-tax deductions are set out, and why expecting a package to cover everything is the wrong starting point.
Salary Packaging a CarUsed cars and cars you already own
Check the vehicle before you count on it.
Buying second-hand and packaging the car in your driveway are two different cases — this page covers what FAA checks for each.
Used & Existing CarsElectric car novated leasing
Eligibility rules first, then the car.
Battery-electric is not the same as plug-in hybrid, the tax treatment is changing on announced dates, and a used EV's history matters.
Electric Car OptionsUse the calculator
Estimate your options online before you talk to anyone.
Self-serve — estimate potential outcomes, compare vehicles and download a personalised quote, then bring it to a call if you want it explained.
Use the CalculatorSpeak with the Queensland team
Book a call and have it explained person to person.
Best for first-timers and for anyone unsure what their employer has in place — plain-English answers, and you leave knowing which pathway fits.
Book a CallWho you are dealing with
FAA Sal Pac is a registered business name of Financial Advisers Australia Pty Ltd (ABN 69 006 908 176). The FAA Novated Lease Quote Portal lets you estimate potential savings, compare vehicle options, download a personalised quote based on your circumstances and sign up online if you decide to proceed. The team works from one office — Suite 3-7, Level 5, Tower 2, 55 Plaza Parade, Maroochydore QLD 4558 — Monday to Friday 8:30am–5:00pm, on 1300 322 777 and salpac@faa.net.au.
Frequently asked questions
Can I enquire from Brisbane?
Yes. FAA Sal Pac supports Brisbane employees through the same online quote portal, phone line and booked calls as everyone else in Queensland. The team's office is in Maroochydore; there is no Brisbane branch and none is needed, because the process runs online and by phone.
How does a novated lease work?
It is an agreement between you, your employer, a finance company and an administrator such as FAA Sal Pac. You lease the car, your employer meets the car's expenses from payroll deductions for the life of the lease, and FAA Sal Pac facilitates the arrangement — the quote, the documentation, the flow of funds and the reporting.
Do I need to drive a lot?
Kilometres are one input in the estimate, not a gate. Enter your real expected kilometres in the portal and the running-cost budgets reflect them; whether the package suits you depends on the whole picture, and FAA Sal Pac does not promise a saving at any mileage.
Can I choose a used car?
A used vehicle may be considered, subject to eligibility, finance requirements and any age limits the finance company applies — as may a car you already own, through a sale and leaseback arrangement. The used-car page explains what FAA checks, and an eligibility check comes before any commitment to the car.
What happens at the end of the lease?
A residual amount — an ATO-specified figure that depends on the length of the lease — falls due at the end of the term. FAA's published options at that point are to lease another car, to sell the car and finish, to refinance the residual and continue, or to pay out the residual and keep the car. Which applies to you is set out in FAA's approved contract wording, and the team can explain it before you sign.
What if I change jobs during the lease?
The arrangement runs through your employer, so a change of employer or an unpaid absence affects it. The existing contract and any new employer's arrangements both need reviewing; nothing transfers automatically. Ask the team before you sign, and again if your circumstances change.
Start with an estimate: use the FAA Sal Pac Quote Portal to explore your lease options for a new, used or eligible electric car, or book a call — or simply phone 1300 322 777 between 8:30am and 5:00pm, Monday to Friday. Whichever door you use, the next step is the same: confirm your employer's arrangement, then estimate before you choose the car. An enquiry is not a finance application and does not commit you to proceed.
Important information: Information on this page is general in nature and does not take into account your personal objectives, financial situation or needs. Potential tax, GST or cost outcomes depend on your individual circumstances, your employer arrangements and vehicle eligibility. You should consider obtaining independent financial, legal or tax advice before entering into a novated lease arrangement.