More fun, less tax
When you buy your MINI through a novated lease with Smart, you also get a mix of potential tax savings and convenience that’s hard to beat!
6.99% p.a comparison rate on MINI electric models^^
Available on new or demonstrator vehicles on a 24-48 month lease term, financed through a Smart novated lease with MINI Finance.
Finance must be settled and vehicle delivered by 30 September 2026. T&Cs apply.
Peace of mind when your lease ends
With a MINI Flex agreement, you’ll enjoy the added confidence of a Guaranteed Future Value (GFV) for your vehicle.
Before you even take delivery of your MINI, you can lock in a guaranteed future value at the end of your lease, giving you flexibility and peace of mind.
When your lease ends, your options include trade-in, pay out and keep the vehicle, or return your MINI applying the MINI Flex Guaranteed Future Value.
Why salary package a car?
Salary packaging a car through a novated lease is one of the simplest and most cost-effective ways to buy and run the car you want. It helps reduce your taxable income and the tax you pay, and you can also save in other ways.
With a novated lease your car finance and all usual running costs come out of your salary in regular, easy payments. With an eligible, fully-electric vehicle (EV)^, it all comes from your income before tax, and for other cars it’s a combination of before and after-tax income.
This is general information only. Before entering into any salary packaging or novated leasing arrangement, you should consider your objectives, financial situation and needs, and seek appropriate legal, financial or other professional advice based upon your own particular circumstances. The availability of benefits is determined by your employer. Conditions and fees apply. Smartsalary Pty Ltd (ABN 24 096 796 100) (Smartsalary).
^ Fringe Benefits Tax (FBT) exemption available for eligible electric or hydrogen cell vehicles purchased through a novated lease up to the Luxury Car Tax limit ($91,661 in FY 2026-27). See the Australian Taxation Office website for full eligibility criteria.
^^ 6.99% p.a. comparison rate offer valid only for new or demonstrator MINI Electric vehicles purchased through a Smart novated lease between 1 July 2026 and 30 September 2026 (Promotional Period) with vehicle finance procured by Smart and provided by BMW Australia Finance Pty Ltd (ACN 007 101 715) (MINI Finance) with a lease term of 24 to 48 months (Promotion). Vehicle finance application must be submitted, approved and settled during the Promotional Period. Conditions and eligibility criteria apply for vehicle finance. The comparison rate offered in this Promotion is a limited-time discounted rate offered by MINI Finance to Smartsalary and Autopia customers which is specific to this Promotion and does not reflect the general novated lease customer effective interest rate of Smart or its related bodies corporate. The comparison rate offered in this Promotion does not apply to any extensions or refinances. Different terms, fees or other amounts might result in a different comparison rate. Smart may charge fees for salary packaging and novated leasing administration services and such fees have not been incorporated into the calculation of the displayed comparison rate. Smartsalary, Autopia and MINI Finance reserve the right to change or withdraw this Promotion at any time. Offer not available in conjunction with any other offers. Subject to stock availability.
Ş GST savings are calculated on the FBT base value of the vehicle, up to the claimable limit [$6,353 in FY 2026-27] unless exempt.