Vehicle Alert Shortlist Compare
Muswellbrook Toyota

Novated Lease

A simple way to drive the car you want
Request a call
Slide

Unlock the Benefits of a Novated Lease with Muswellbrook Toyota

A novated lease from Muswellbrook Toyota is an ideal way to finance your Toyota vehicle through salary packaging. This arrangement allows your employer to cover lease and running costs using a mix of pre-tax and post-tax salary deductions, resulting in significant tax savings. With one simple monthly payment, you can cover all essential car expenses, including registration, insurance, fuel, and maintenance, making budgeting effortless. Enjoy the flexibility to choose any Toyota model and drive with peace of mind in Muswellbrook .

Located in Muswellbrook, Muswellbrook Toyota simplifies the novated leasing process, offering tailored solutions that benefit both employees and employers. Our finance experts guide you through every step, ensuring a smooth transition from application to driving your new or used Toyota vehicle. The comprehensive package includes upfront costs and ongoing running expenses, allowing you to focus on enjoying your car without financial stress. Visit Muswellbrook Toyota today to explore how a novated lease can enhance your driving experience while optimising your financial benefits.

What is a novated lease?

A novated lease is a way to finance a car via ‘salary sacrifice’ or salary packaging. Simply put, it means that your employer agrees to pay for your car lease and car running costs out of your salary package through a combination of pre-tax and post-tax salary deductions.

What is a novated lease?

A novated car lease allows you to drive the car you want - any make or model, without compromising your lifestyle. You could save money on the purchase price and running costs of a new or used car – or even the car you currently drive.

What’s included in a Toyota Fleet Management novated lease

Just one monthly payment covers all the big-ticket costs of owning a car.

What's included

Upfront costs

Car price and accessories

Dealer delivery charges

First-year registration and CTP insurance

Purchase stamp duty

Novated lease establishment fee

Personal Property Security registration fee

Luxury Car Tax (if applicable)

Running costs

Mechanical repairs, maintenance and servicing

Replacement tyres

Fuel

Roadside Assistance

Comprehensive Car Insurance

Registration/CTP renewals

What's not included

Tolls

Fines

Insurance excess

Car parking

How it works

Lease set-up

Lease set-up

An employee chooses a car, and a ‘salary sacrifice’ novated lease is set up between the employee, employer and Toyota Fleet Management.
Payments made

Payments made

An employer makes repayments to Toyota Fleet Management on an employee’s behalf from the employee's salary.
All the savings

All the savings

The employees gets the car they want, saving on tax, car price and running costs such as fuel, maintenance and tyre purchases.
End of lease options

End of lease options

At the end of the lease, the employee can extend the lease, buy the car outright or return it and get another novated lease for a new car.

Benefits of a novated lease

With benefits for both employees and employers, discover the advantages of leasing a car through salary packaging, as well as how you can save.

For employees

  • Choose your preferred lease car
  • Save on purchase price and running costs
  • Budget better with convenient salary payments
  • Keep your car, even if you change jobs
  • Hassle-free with all running costs included

For employees

  • Attract and retain employees
  • No balance sheet impact
  • Reduce your tax
  • Support from our specialists

Frequently Asked Questions

    With a car loan, you own the car from day one, whereas with leasing, you don’t own the car and are paying to use it for a fixed period of time.

    Yes, you can consider a sale and leaseback on a vehicle that you currently own. The financier can buy your car from you at current market value and lease it back to you with all the benefits of a novated lease.

    A novated lease lets you take advantage of a range of tax benefits including:

    • GST credits (input tax credit), on the initial vehicle purchase (capped in accordance with the Luxury Car Limit)
    • GST credits on vehicle running costs including maintenance, tyres and fuel
    • Fringe Benefits Tax (FBT), which can lower your tax liability when you package all or a significant amount of the vehicle lease and running costs through your pre-tax (gross) salary

    The application process with Toyota Fleet Management is simple and from start to finish takes around five working days.

    1. Contact us for an exact quote.

    2. Review your employer's car policy before choosing your car, if your employer doesn't have an agreement with us, no problem. We can guide you on how to get one put in place.

    3. Toyota Fleet Management presents your employee with a Toyota Finance quote and salary analysis, including the finance application, which can be emailed to them directly.

    4. You accept the quote and submit your finance application.

    5. Subject to credit approval your finance is approved and the lease documentation is prepared.

    6. You and your employer sign the lease documents.

    7. The car is delivered to you.

    8. Your employer is sent a notification to commence salary deductions.

    At the end of your lease there are three options available to you:

    • Extend your contract
    • Purchase your car for the final residual payment
    • Upgrade to a new car.

    You will be contacted before your lease finishes to discuss these options. It is straightforward to get a new car on another lease and our dedicated team of specialists are here to help you every step of the way

    Toyota Fleet Management is a division of Toyota Finance, so trust is embedded in our DNA. We believe strongly in being open and honest with our customers and making sure they get the best deal on their novated lease.

    Novation agreements are fully transferable, which means that if your employee leaves their job or has their position terminated, they have the lease obligations transferred directly to them or their new employer and can continue making payments towards the novated lease.

    A novated lease lets you take advantage of a range of tax benefits including:

    • GST credits (input tax credit), on the initial vehicle purchase (capped in accordance with the Luxury Car Limit)
    • GST credits on vehicle running costs including maintenance, tyres and fuel
    • Fringe Benefits Tax (FBT), which can lower your tax liability when you package all or a significant amount of the vehicle lease and running costs through your pre-tax (gross) salary

    The application process with Toyota Fleet Management is simple and from start to finish takes around five working days.

    1. Contact us for an exact quote.

    2. Let your employee review your car policy before choosing a car. If you don’t already have an agreement with us, no problem. We can guide you on how to put one in place.

    3. Toyota Fleet Management presents your employee with a Toyota Finance quote and salary analysis, including the finance application, which can be emailed to them directly.

    4. The Employee accepts the quote and submits their finance application.

    5. Subject to credit approval, their finance is approved and the lease documentation is prepared.

    6. You and your employee sign the lease documents.

    7. The car is delivered to your employee.

    8. You are sent a notification to commence salary deductions.

    At the end of your lease there are three options available to you:

    • Extend your contract
    • Purchase your car for the final residual payment
    • Upgrade to a new car

    You and your employee will be contacted before their lease finishes to discuss these options. It is straightforward to get a new car on another lease and our dedicated team of specialists are here to help you and your employee every step of the way.

    Toyota Fleet Management is a division of Toyota Finance, so trust is embedded in our DNA. We believe strongly in being open and honest with our customers and making sure they get the best deal on their novated lease.

Disclaimers.

The information provided by Toyota Fleet Management (TFM), a division of Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536, on this website is of a general nature and for your information only. Nothing on this website constitutes or should be considered to constitute legal, taxation or financial advice. Before making a decision about any product or service featured on this website, TFM recommends that you seek independent professional advice about that product or service, such as from your accountant, taxation or financial adviser or lawyer, who can advise you about your personal circumstances and what would be suitable for you.

© 2026 Muswellbrook Toyota. All Rights Reserved. This is a Certified Digital Dealer website. LMCT: MD035395

Sitemap Privacy Policy Complaint Handling Process