Novated OS

For the finance broker

The client, the finance and the brokerage stay with you.

You already arrange the car finance. Now you can offer the novated option.

When a salaried client is buying a car, a novated lease is another way to fund it. Novated OS is the software to quote it and originate it yourself.

One client. One conversation. One deal.

Two people shaking hands across a desk after a finance conversation

Where it already is

Look at the car deals you wrote last year.

Every one of them was a client who needed a vehicle and a way to pay for it.

Now ask a second question about the same list. How many of those clients were on a salary?

That’s where this sits. For a salaried employee whose employer will novate, a novated lease is another way to fund the car they were buying anyway.

You didn’t quote it because you couldn’t. You could refer it, or leave it alone.

01The same client

They’re already with you and already looking to finance a vehicle. Novated gives you another option to discuss.

02Another option to put up

A novated lease sits alongside the finance options you already present. The client chooses.

03No referral out

A client who wants to novate stays with you. You don’t have to send them to another provider to get it done.

Not every client. Not every car.

It needs three things to be true. The client is salaried, their employer will novate, and the vehicle is eligible. Where those hold, whether the numbers work comes down to their salary, their vehicle and their circumstances.

The quote answers it. Not the brochure.

In the software

You build the novated lease yourself.

Your client has chosen the car. You work from the supplier invoice, the same way you would on any other deal.

What your client sees

Their numbers, on their phone.

What’s included in the lease, what it costs them each pay cycle and how the novated option compares. They review the quote and accept it from their phone.

An example on a $55,000 electric car and a $120,000 salary. Every customer’s figures differ.

Customer quote · 2026 BYD Sealion

All in, inside the lease

The carincluded
Accessoriesincluded
Servicing and tyresincluded
Rego and CTPincluded
Insuranceincluded
Fuel or chargingincluded
Their potential saving over the term
✓ $37,591
✓  Income tax$24,831
✓  GST on the car$5,000
✓  GST on running$7,760
This car costs them
$405.89 per fortnight
Cheaper than a car loan by
$250.70 per fortnight

Novo

You don’t have to become a novated leasing expert first.

Novo is the AI assistant built into Novated OS. Give it the supplier invoice. Ask it to price the vehicle. Ask what your client could save. Find out where a deal is up to. Have it prepare the next step.

You know finance. Novated leasing has its own rules, and you’d pick them up soon enough. Novo means you don’t have to pick them all up before you write the first one.

You look after the client. Novo helps with the novated lease.

Deal NOS‑4K7QN2XB · Ali Hassan Final quote
BM
Business manager
invoice just came through for the Ioniq 5, can you price it properly
N
Novo
Read it. I have the drive-away price, stamp duty, registration, CTP, options and the odometer, and it is a demo. The quote is repriced from the invoice.
Ready to send.

The final quote for Ali Hassan, priced from the invoice.

Send it Show me first

Nothing reaches a customer until someone presses send.

How it runs

From the first quote to settlement. Five steps.

1 Quote itBuild the novated lease from the supplier invoice and show your client their numbers. You
2 Build the dealThe vehicle, the running costs and any eligible inclusions. You
3 They acceptYour client reviews the quote and completes their application digitally. You
4 Move it throughEmployer requirements, finance, documentation and settlement. Handled for you
5 SettledThe lease is established, the client gets the car, and the lease moves into management. Handled for you

You originate the lease. You don’t become the salary packaging administrator.

The commercial model

You pay for the software. You keep the brokerage you generate.

No percentage of your brokerage goes to Novated OS. You originate the lease and you earn the brokerage on it.

See it on a deal you’d actually write.

Set the vehicle price and the brokerage you want to write. The originator fee is fixed.

$
5%
1%2%3%4%5%6%7%8%
5
15101520
Originator fee, per settled lease$1,000
Brokerage5% of $60,000$3,000
Originator feeFixed, per settled lease$1,000
Revenue per settled lease
$4,000
A month
$20,000
A quarter
$60,000
A year
$240,000

Illustrative. The brokerage is what you choose to write on the deal. Figures are before your own costs and are not a forecast.

Start with six months free

Your first six months of Novated OS are free.

Start originating novated leases through Novated OS without a software subscription for your first six months.

The brokerage you generate remains yours from day one.

After the free period, your agreed Novated OS subscription begins.

Ready to add novated leasing to your business?

Twenty minutes on a screen share. We’ll build a quote from an invoice and show you what your client sees. Leave your details and we’ll arrange a time.