Got Questions?

Upgrading to something better

If you’re ready for an upgrade, it’s simple. Just choose the car you want and start the leasing process again! This means:

• Our dedicated leasing specialists can help you find the right car – and we’ll take care of the paperwork for you! This could include trading in your current vehicle with RemServ’s help (you may have to pay any residual amount owing)
• You could save on the price of a car through our nationwide buying power – our experts can negotiate a great price for you!
• You could save on the GST, up to the eligible threshold amount, compared with what you would pay when buying the car outright or with other car finance options
• You could receive further tax savings – on top of all you’ve saved so far through novated leasing
• You will continue the convenience of bundling your car’s budgeted running costs – including petrol, charging (if yours is an electric vehicle), insurance, rego and servicing – into one regular payment
• You’ll continue to be part of a 37,500-strong community of Queenslanders who have chosen to be looked after by RemServ, one of the Sunshine State’s largest novated leasing providers – meaning you can be confident you’re in safe hands

Extending your lease with RemServ

If you're happy with your car, you have the option to extend (or refinance) your lease to keep it. This means:

• You could receive further tax savings – on top of everything you’ve already saved through your novated lease
• You’ll continue enjoying the convenience benefits such as automatic budgeting – saving you time and effort
• Your regular novated lease payments may be lower than what you currently pay
• You may also have a lower residual payment at the end of the term, with the option to own your car outright at the end of the extension – for less than what you would pay for it now!

Note: Conditions may apply if the car is more than seven years old or valued at below $5,000

Paying the residual to end the lease

It's important to know that if you choose to pay the residual to end the lease, without starting a new one:

• You may have the option to own the car outright by paying any remaining amount owing (conditions may apply)
• You will lose the opportunity for further potential tax savings
• you could receive further tax savings — on top of everything you’ve already saved through your novated lease
• You will no longer have the convenience of bundling your car’s budgeted running costs – including petrol, charging (if yours is an electric vehicle), insurance, rego and servicing – into one regular payment
• Your residual payment may be higher than if you were to extend your lease

Note: You have the option of paying the residual to potentially own the car outright, or returning the car and paying any residual amount owing once it is sold. If applicable, you may have the option of making a claim under your Guaranteed Buyback insurance cover (or equivalent).

• Because your novated lease payments are partly or fully sourced from before-tax salary, you could lower your taxable income, potentially saving you money
• You could save on the price of the car by leveraging RemServ’s large dealer network
• You could save on the GST up to the eligible threshold amount, compared with what you would pay if you chose another form of car finance or bought the same car outright
• We can help arrange your insurance, prepare the paperwork, and plan a budget for you – helping to give you more time doing the things you enjoy most
• One regular payroll deduction covers your annual budgeted car expenses – including petrol, charging (if yours is an electric vehicle), rego, servicing and insurance. Because these things are already budgeted for, you’ll have funds available to cover expenses as they arise 
• You have the potential to save by paying your car’s running expenses – including registration, roadside assist, insurance, servicing, fuel, new tyres, even car washing – with before-tax dollars 
• Our Maintenance team can deal with your mechanic at service time to help keep your car well maintained. This includes confirming and negotiating costs, along with ensuring all work meets manufacturer standards, and is reasonable and consistent with the age and condition of your car. In the 2025-26 financial year alone, we saved customers over $270,000^ in servicing and maintenance costs across our brands. 
• You’re part of a 37,500-strong community of Queenslanders who have chosen to be looked after by RemServ, one of the Sunshine State’s largest novated leasing providers – meaning you can be confident you’re in safe hands 

• Because your payments are partly or fully sourced from before-tax salary, you could continue to lower your taxable income, potentially saving you money
• You’ll keep the car you love
• Like with your existing lease, we can help arrange your insurance, prepare the paperwork, and plan an updated budget for you – helping to give you more time doing the things you enjoy most
• You’ll keep one regular payroll deduction that covers your annual budgeted car expenses – including petrol, charging (if yours is an electric vehicle), rego, servicing and insurance. Because these things are already budgeted for, you’ll have funds available to cover expenses as they arise
• Your payroll deductions may be lower than what they are now
• You’ll continue to save by paying your car’s running expenses (i.e. your registration, roadside assist, insurance, servicing, fuel, car washing, and new tyres) with before-tax dollars.
• You’ll retain the support of our expert Maintenance team at service time to help keep your car well maintained and ensure all work – and costs – are reasonable. In the 2025-26 financial year alone, we saved customers over $270,000^ in servicing and maintenance costs across our brands.
• You may have an even lower residual at the end of your extension, meaning you could have the option to own the car outright by paying less for it than you would now
• At the end of your extension, we can help you trade in your car – and whatever profit you make after the residual is paid is yours. (If there is a shortfall, you will need to pay the difference)
• You’ll continue to be part of a 37,500-strong community of Queenslanders who have chosen to be looked after by RemServ, one of the Sunshine State’s largest novated leasing providers – meaning you can be confident you’re in safe hands

1. Speak with your dedicated leasing consultant – they’ll provide you with the information you need, and step you through the process
2. Submit your online application – for most people, this takes less than 10 minutes
   Once approved:
   • you could receive further tax savings – on top of everything you’ve already saved through novated leasing
   • you’ll continue enjoying the convenience benefits such as automatic budgeting – saving you time and effort
   • your regular novated lease payments may be lower than what you currently pay
   • you may also have a lower residual at the end of the term.

1. Speak with your dedicated leasing consultant – either complete the ‘Request a callback’ form at the bottom of this page to have a consultant call you back or call our Customer Care team on 1300 30 39 40
   • We’ll provide you with all the information you need, and walk you through the process.
   • Let us know what car you’re looking for, and we’ll tap into our large dealer network to try and find it.
   • We can negotiate a great deal for you, so you could save on the price of a car through our nationwide buying power!
   • We’ll also take care of the paperwork for you.
2. Submit your online application – for most people, this takes less than 10 minutes.
   Once approved:
   • You could immediately save on the GST up to the eligible threshold amount, compared with what you would have paid if you bought the car outright or with other car finance options.
   • You’ll continue enjoying the convenience benefits such as automatic budgeting – saving you time and effort.
   • You could receive further tax savings on top of everything you’ve already saved through novated leasing!

1. What if I find a lower price car?
   If you happen to find a better price than ours, we won’t just match it: we’ll beat it*. So you can drive away knowing that you’re getting the best possible price to accompany the benefits of novated leasing. 
2. What happens if RemServ can’t beat a competitor’s price?
   If a competitor has a price that we can’t beat, we’ll credit your account with $500 if you take on a new novated lease with RemServ*. It’s our way of backing up our promise with real results.

1. Speak with your dedicated leasing consultant – either complete the ‘Request a callback’ form at the bottom of this page to have a consultant call you back or call our Customer Care team on 1300 30 39 40 
   • We’ll provide you with all the information you need, and walk you through the process. 
   • Let us know what car you’re looking for, and we’ll tap into our large dealer network to try and find it. 
   • We can negotiate a great deal for you, so you could save on the price of a car through our nationwide buying power! 
   • We’ll also take care of the paperwork for you. 
2. Submit your online application  – for most people, this takes less than 10 minutes. 
   Once approved:  
   • You could immediately save on the GST up to the eligible threshold amount, compared with what you would have paid if you bought the car outright or with other car finance options. 
   • You’ll continue enjoying the convenience benefits such as automatic budgeting – saving you time and effort. 
   • You could receive further tax savings on top of everything you’ve already saved through novated leasing! 

The Federal Government’s Electric Car (EV) Discount policy is aimed at driving a further uptake of EVs, as well as encouraging car manufacturers to import and supply more affordable electric models in Australia. 

The policy provides FBT exemption on eligible electric vehicles that fall below the luxury car tax threshold for fuel-efficient vehicles ($91,661¹) – driving up the potential for significant tax savings on EVs via novated leasing. 

From 1 April 2025, plug-in hybrid electric vehicles are no longer considered a zero or low emissions vehicle under FBT law, although grandfathering applies to existing arrangements.  

Read more here about the government’s three-phase update to the EV Discount announced in May 2026. 

Right now, the difference in savings between an eligible EV novated lease and a standard novated lease on a petrol-powered car could be significant. That’s because the EV Discount allows 100% before-tax payments on eligible EVs, whereas a standard lease requires a combination of before- and after-tax contributions. While the settings will gradually transition to a 25% FBT discount from 1 April 2029, the current discount brings EVs closer to cost parity with equivalent petrol vehicles. 

• Potential tax savings
  A novated lease on an EV is FBT-exempt – if it meets eligibility requirements and its retail price is below the Luxury Car Tax threshold of $91,661¹ – meaning all payments are made from your before-tax salary. This could reduce your taxable income, resulting in you potentially paying less tax than you would have otherwise.
• Potential Running Cost Savings
  EVs typically cost on average 70% less per kilometre than a petrol-powered car, while servicing costs are less because they have fewer moving parts. The Electric Vehicle Council² estimates that a typical driver covering the Australian average of 12,000 kilometres per year could save around $2,000 per year when comparing charging with petrol. And with home solar or off-peak tariffs, you could enjoy even more savings.
• Budget Convenience Enjoy the budget convenience of having the car’s novated lease payments and running costs – including electricity, registration, insurance and servicing – bundled into one regular before-tax payment across the course of the year. 
• Improved Comfort
  Electric motors are noiseless, making for a quieter and smoother drive. 
• Environmentally Friendly
  By burning zero – or less – fuel, EVs also produce fewer or no emissions. 

With any novated lease there will always be a residual (or “balloon” payment), and this amount is set by the ATO.  The amount depends on the lease duration and the value of the car at lease end. Residual amounts must be paid with after-tax dollars and include GST – meaning funds within your novated lease account cannot be used. RemServ calculates the residual amount for you at the start of the lease. So if you have a five-year lease, you have five years to work out the best end-of-lease option that suits you, and how you want to deal with the residual. 

Current Residual rates⁺ are as follows: 

• 1-year novated lease: 65.63% 
• 2-year novated lease: 56.25% 
• 3-year novated lease: 46.88% 
• 4-year novated lease: 37.50% 
• 5-year novated lease: 28.13% 

1. Speak with your dedicated leasing consultant – either complete the ‘Request a callback’ form at the bottom of this page to have a consultant call you back or call our Customer Care team on 1300 30 39 40 
   • We’ll provide you with all the information you need, and walk you through the process. 
   • Let us know what car you’re looking for, and we’ll tap into our large dealer network to try and find it. 
   • We can negotiate a great deal for you, so you could save on the price of a car through our nationwide buying power! 
   • We’ll also take care of the paperwork for you.
2. Submit your online application — for most people, this takes less than 10 minutes. 
   Once approved: 
   • You could immediately save on the GST up to the eligible threshold amount, compared with what you would have paid if you bought the car outright or with other car finance options. 
   • You’ll continue enjoying the convenience benefits such as automatic budgeting – saving you time and effort. 
   • You could receive further tax savings on top of everything you’ve already saved through novated leasing! 

How RemServ’s interest rates compare with other finance options will depend on your individual circumstances and the type of finance you are considering. 

Novated leasing is structured very differently than other forms of car finance, and there are many factors to consider besides saving a percentage point or two. 

So, when you compare novated leasing with other options such as a bank loan, it’s important to consider the option that could give you greatest overall financial savings, once everything has been factored in. 

Examining the interest rate alone does not take into account the lower purchase price you may be able to get through our nationwide buying power, the GST you may save on the purchase price of the car, and the tax savings you may get during your novated lease – therefore it will not tell you which option could give you greatest overall financial savings. 

Which means that, while interest rates for your novated lease may be equivalent or higher than other options, it’s important to note that a novated lease may end up saving you more money in the long run because the tax savings may outweigh any difference in interest rate. 

To get a better understanding of how much you could save by opting for a novated lease, contact your dedicated leasing consultant for an obligation-free estimate.

We understand many customers are seeking flexibility in their lease. With RemServ, there are several options available to you, should you need to terminate your lease early.  

The options available to you vary depending on why you are considering ending your novated lease early, such as ceasing your employment, moving to a new employer, or wanting to upgrade your car.  

Contact our novated leasing team if you would like to discuss the options available for your individual circumstances, which may include: 

• Paying the remaining lease balance, including any outstanding finance amount and the residual value, to end your lease early, (and have the option to buy the car outright (conditions apply)). Please note that depending on how much of the lease term has elapsed, the payout amount may be higher than the vehicle's current market value and may include fees and charges payable to the financier. 
• Transferring the lease to your new employer (subject to approval) 
• Continuing to pay the lease and running costs yourself (with after-tax dollars) 
• Utilising any add-on insurance in eligible circumstances if you purchased it before entering your lease. For example, your lease protection insurance may cover an outstanding balance if you are made redundant (subject to eligibility criteria and benefit limits)