Keep your salary packager. Swap only the finance.

Every novated lease is two things: finance (the loan on the car) and management (payroll deductions, running-cost budgets, claims). Your employer's administrator handles the management. The finance bundled alongside it usually carries a quiet margin — and that is the only part you need to change.

BYO means you bring your own finance. Same car, same lease term, same administrator, same payroll deductions. Nobody at work does anything differently.

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