mySG help centre

When you submit an enquiry, a dedicated novated lease consultant will set an upfront budget to cover your car’s running costs in one regular payment to reflect your current or projected spending patterns.

This way, when you novate, you can pay for the items below using a portion of pre-tax dollars. What’s more? You won’t pay GST on any running costs throughout the life of your lease, including:

• Finance

• Fuel/Charging

• Servicing

• Tyres

• Registration

• Insurance

• Roadside assistance

• Carbon offset

Log into mySG to submit an enquiry or talk to a dedicated novated lease consultant today.

When you submit an enquiry, your request will automatically be sent to a dedicated novated lease consultant for review. Once a quote is ready, you’ll receive an email, or a notification will appear in mySG under My enquiries > Lease enquiry > My quote.

Log into mySG to review your quote and decide if it’s right for you.

Yes. If you review your quote and would like to submit changes (for example: see how much a different make or model may cost you, include/exclude accessories or recalculate your budget), simply navigate to My quote > Request changes (scroll to the bottom of the page). 

An email will automatically be sent to your dedicated novated lease consultant to help tailor your options and answer your queries. 

When you first enquire about a novated lease, a dedicated novated lease consultant will put together an indicative quote for you, including the car of your choice and an upfront budget to cover your car’s running costs in one regular payment.

This quote outlines your estimated costs and potential savings when buying your new car and reflects your current, or projected spending patterns.

Once you’ve discussed the initial quote/s and are happy with the approach, your dedicated consultant will then create a final quote, also known as a Vehicle Salary Sacrifice Schedule or VSSS, for your review and approval. This confirms the car you’ve selected, as well as any add-ons and your final package. 

Approval of the VSSS can be provided online through mySG (if applicable to your employer).

Once you accept the VSSS, your dedicated consultant will set up your novated lease, confirm your car order and walk you through next steps in your novated lease journey. 

To track your car’s delivery, visit mySG help centre > Track my order to learn more.

A novated lease is an easy and cost-effective way to acquire and run the car of your choice. In addition to the thousands you could save on a new car, you could potentially enjoy significant tax savings.

A novated lease is an arrangement between you, your employer, and SG Fleet. You have the flexibility to choose the car you want—whether it’s new, used/demo, or even your own vehicle—and we’ll package it into a novated lease for you.

All your car-related expenses including finance repayments, registration, insurance, fuel, maintenance, and servicing are bundled into one regular payment deducted from your salary. This streamlined approach not only simplifies car ownership but also unlocks significant savings.

For Internal Combustion Engine Vehicles (ICE), Hybrid Electric and luxury Electric Vehicles, a portion of your regular payment is made using pre-tax dollars. For Battery Electric Vehicles (BEVs) under the luxury car tax threshold, payments could be drawn entirely from your pre-tax salary, supercharging your savings (conditions apply).

How it works

1. Choose the car you want

2. Costs are packaged up into one regular payment

3. Costs are packaged up into one regular payment

4. Costs are packaged up into one regular payment

5. Sign a novation agreement and your employer pays SG Fleet on your behalf

6. Your lease starts

Speak to a dedicated novated lease consultant to learn more.

To check if you’re eligible for a novated lease, please refer to your employer’s salary packaging policy or speak to your HR team.  

If you are eligible, one of our dedicated novated lease consultants can work out how much you might save with a novated lease. Check out our novated leasing calculator or submit an enquiry to get started.

Yes. We offer a range of novated leasing options tailored to suit your needs and lifestyle. Whether you’re looking for a used car, a demo vehicle, or even want to lease your current car, we have the perfect solution for you. Conditions may apply.

Yes. We can help you sell your existing car through our TradeAdvantage program. Simply complete an online form and a member of our team will send you a fair price for your vehicle with the offer valid for 14 days. If you choose to accept the offer, you can choose to drop off your vehicle or have it picked up and we’ll make the payment into your nominated bank account. 

Learn more

A member of our team will be in touch nine months from the end of your lease to discuss your options, including:

1. Novating a new car with SG Fleet;

2. Extending the existing car for another term (subject to finance approval), or

3. Paying out the residual value to own your car outright.

The residual value is the amount owing on your car at that time and is calculated in accordance with the Australian Taxation Office. Speak to one of our dedicated novated lease consultants to learn more.