Novated leasing for WA Government employees

What Makes Vehicle Solutions Different?

What sets us apart, and what's especially important for WA Government employees to understand, is that you have complete freedom of choice. In the past, many government employees assumed they were required to purchase their vehicle, finance, and insurance through a single nominated "Provider Panel." That restriction is now a thing of the past. As a WA Government employee, you are entitled to choose where you buy your car, who finances it, and which insurer you use — you are never locked into one supplier or one deal.

What does this mean to you?

This means you can shop around, compare offers, and select the vehicle, finance provider, and insurance policy that genuinely suits your needs and budget, rather than accepting a one-size-fits-all package. Whether you're after a family SUV, a fuel-efficient hybrid, or a ute for weekend adventures, the choice is entirely yours — and we're here to help you make the most of it.

Experience and Service

Because we work with government departments right across Australia, not just in WA, we bring a wealth of experience and insight into how novated leasing works in the public sector. We understand the unique salary packaging rules that apply to government employees, and we use that knowledge to help you structure a lease that maximises your savings while keeping the process simple and transparent.

Always here when you need us.

Our team is here to answer your questions, walk you through your options, and help you find the most competitive deal available in WA — without any pressure or obligation. We'll explain the numbers clearly, so you know exactly what you're paying and why, and we'll support you every step of the way, from choosing your vehicle to finalising your lease.

If you're a WA Government employee considering a novated lease on your next vehicle, we encourage you to reach out to our team directly, or use the calculator to get an instant, no-obligation estimate. Remember: the choice has always been yours, and we're here to help you make the most of it.

What a Novated Lease Actually Offers

A novated lease is a three-way agreement between the employee, their employer, and a leasing provider such as Vehicle Solutions. Instead of paying for a car, fuel, servicing, insurance, and registration separately out of after-tax income, all of these costs are bundled into a single regular payment. That payment is deducted directly from the employee's pre-tax salary by their employer's payroll team and passed on to the leasing provider.

The practical effect is straightforward: a novated lease lowers the amount of income tax paid each pay cycle, while vehicle running costs are consolidated into one predictable deduction. For someone earning a typical public sector salary, this can translate into thousands of dollars in savings over the life of a lease, money that would otherwise be spent on tax or spread across separate bills for fuel, servicing, tyres, and insurance.

This isn't a complicated or restrictive product. Employees choose the car they want, whether that's a fuel-efficient hybrid, an electric vehicle, a family SUV, or a compact runabout, and the lease is structured around their income, expected annual travel, and preferred lease term. A quote can be produced quickly using an online calculator, without the employee needing to hand over personal financial details, so staff can explore what's possible before committing to anything.

Tax and Cost-of-Living Benefits

The single biggest drawcard of novated leasing is its tax effectiveness. Because lease and running costs are paid from pre-tax salary, employees reduce their taxable income and therefore the tax they pay. Over a typical lease term of two to five years, this can add up to a meaningful reduction in overall tax paid, effectively lowering the true cost of owning and running a vehicle.

EVs are currently 100% tax-free.

For electric vehicles specifically, there's an additional layer of benefit. Under the Australian Government's Electric Car Discount, eligible EVs are exempt from Fringe Benefits Tax. WA Government employees who choose an EV under a novated lease can maximise their savings further, since business-use percentages don't affect the cost the way they can with a traditional vehicle. This also aligns neatly with the WA Government's own commitments to reducing emissions and encouraging cleaner transport choices across its workforce.

Beyond the tax savings, there's a genuine cost-of-living benefit in simplicity. Instead of juggling registration renewals, insurance premiums, servicing appointments, and fuel costs as separate, irregular expenses, everything is rolled into one predictable payment calculated before tax. For household budgeting, particularly given current cost-of-living pressures, this kind of consolidation and certainty is valuable in its own right, separate from the tax savings themselves.

A Streamlined, Supported Process

A dedicated local account manager guides employees through the entire process, including on-site or small-group information sessions so staff genuinely understand how the savings work before they commit. Salary packaging can seem complex from the outside, so having someone available to walk employees through their options, explain where the savings actually come from, and answer questions in person or in small groups removes much of the hesitation that might otherwise stop someone from exploring a novated lease.

This support is available consistently across departments, meaning employees based in a metropolitan office or a regional service centre have access to the same guidance and the same competitive pricing on vehicle finance, insurance, and ongoing maintenance.

The Opportunity for WA Government Departments

Offering novated leasing as an employee benefit costs departments very little to establish, since payroll deduction processes for salary packaging are already well understood in the public sector, but it delivers a tangible, ongoing benefit to staff. It's the kind of initiative that supports employee wellbeing and retention without requiring new departmental funding, since the savings come from the tax system and smarter bundling of vehicle costs.

Given that WA Government employees span such a wide range of roles, locations, and income levels, from metropolitan office-based staff to frontline and regional workers, this service has broad appeal. It suits employees looking to upgrade to a safer or newer vehicle, those wanting to reduce their environmental footprint with an EV or hybrid, and those simply looking for a smarter, more tax-effective way to manage a cost they're already paying.

Disclaimer

Every effort has been made to provide the most accurate results possible; however, these figures are based on the information provided and should only be used for reference purposes. Examples include scheduled servicing, tyres, registration, lease payments, fuel, and comprehensive insurance.

Before signing any documents, you will receive a copy of all relevant paperwork, including this estimate, finance terms and conditions.

Questions

If you have any questions or concerns, please complete the enquiry form on our contact page or call 1300 990 880. A member of our salary packaging team will respond within two working hours.