Novated OS
Commercial in confidenceFor the dealership. Not for distribution.

For the dealership

When a customer is looking to novate, keep the deal rather than having to refer it.

In 60 seconds, you can show them how a novated lease can benefit them, have them approve their quote and move to a finance application, quicker than if they were doing traditional finance. Better still, the margin is better than traditional finance.

You do not have to worry about the employer or the paperwork, that is all done in the background. If they are Government, we will reach out with the deed for signing. If they are from a small SME, we will pass on a couple of electronic forms for the employer to fill out. All simple and handled by us while you focus on selling more cars.

Sell the car while keeping the finance and aftercare, originating your own novated lease.

60 seconds A current-model four wheel drive wagon
Sunshine MotorsQuote SM‑4K7QN2XB
2026 BYD Sealion PremiumNovated lease · 5 years · 15,000 km a year
Costs them, out of take‑home pay
$405.89 per fortnight
They save over the term$37,591
CarServicingTyresRego & CTPInsuranceCharging
✓ Accept quote

Accepted on their phone, at your desk.

What stays in the dealership

More opportunity in every novated sale.

One The vehicle

Sell the vehicle from your dealership, at your price. You stay in control of the sale instead of waiting for an external novated provider to source the car.

Two The aftercare

Keep the accessories, aftermarket and eligible warranty products with the vehicle. Where eligible, they can be included in the novated lease.

Three The novated lease

Your dealership originates the novated lease and earns the brokerage when it settles. Novated OS does not take a percentage of the brokerage.

And the customer stays with your dealership throughout the process.

See the opportunity on one of your own cars.

Choose a vehicle price and brokerage to see what originating novated leases could add to your dealership.

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

$
8%
1%2%3%4%5%6%7%8%
5
15101520
Originator fee, per settled lease$1,000
Brokerage8% of $60,000$4,800
Originator feeFixed, per settled lease$1,000
Vehicle margin, accessories, aftermarket, warrantyUnchanged, and still yoursyours
Additional revenue from originating the lease
$5,800
On top of the car, the accessories and the aftermarket on the same vehicle.
A month
$29,000
A quarter
$87,000
A year
$348,000

See what that could look like across a year, before the vehicle margin, accessories, aftermarket and warranty on those same vehicles.

Start with six months free

Your first six months of Novated OS are free.

Originate novated leases, keep the brokerage you generate and see how Novated OS works inside your dealership before your subscription begins.

No percentage of your brokerage goes to Novated OS.

Start free
A customer and a salesperson going over a vehicle together

How it runs

From choosing the car to novating it. Five steps.

Your salesperson looks after the customer and builds the deal. Novated OS makes the novated process simple.

1Show them the numbers

Choose the vehicle, enter their details and show them what the novated lease could look like while they are still choosing the car.

Your salesperson
2Build their car

Add the accessories, aftermarket and eligible warranty products they want with the vehicle.

Your salesperson
3Customer accepts

They review the quote and complete their application digitally from their phone.

Your salesperson
4Hand it over

Employer eligibility, finance, documentation and settlement are handled through the process.

Handled for you
5Deliver the car

The lease settles, the customer takes delivery and the dealership receives its brokerage.

Handled for you

Novo

You don’t need a novated leasing expert at every desk.

Novo is the AI assistant built into Novated OS. It works on your dealership’s real deals, not on a help page.

Hand it the invoice and it prices the deal from the same engine that produces the customer’s quote, so the two can never disagree.

Ask what is waiting and it gives you the chase list, worst first: accepted but never sent, gone quiet with settlements, priced but never sent, or simply not moved in a week.

Ask where a deal is up to and it tells you the stage, what is missing and whose move it is.

Your team looks after the customer. Novo keeps track of the rest.

Novo · Tuesday 9:04am
BM
Business manager
what’s waiting on me this morning?
N
Novo
Four need you. Start with Ali Hassan. Accepted eight days ago and never sent to settlements.
  • Ali Hassan · Ioniq 5accepted, not sent
  • Priya Nair · RAV4quiet 6 days
  • Tom Beckett · Rangerpriced, not sent
  • Sarah Lim · Model Ynot moved

Nothing reaches a customer until someone presses send.

Reporting

Every deal, and every dollar it earned you.

Pipeline shows every deal the dealership has on and which of twelve stages it is at, from initial quote through to settled. Nothing sits in somebody’s inbox where only they can see it.

Revenue shows what you have earned: this month, this quarter, half year or year. Settled brokerage month by month, what is on its way, what has been paid, what is still to come, and the average a deal.

Brokerage is paid on settlement, so a line normally arrives already paid. Nothing accrues, nothing is chased, and there is no month-end run to get wrong.

And it prints. One line a deal with the GST beside it. The statement your bookkeeper actually asks for.

Brokerage statement · October
Customer Settled Ex GST Inc GST Paid
Ali Hassan3 Oct2,145.002,359.50Yes
Priya Nair11 Oct1,890.002,079.00Yes
Tom Beckett18 Oct2,760.003,036.00Yes
Sarah Lim27 Oct2,310.002,541.00Settling
4 deals9,105.0010,015.50

Print it, or take it as a PDF.

What the customer sees

Show them what the car really costs them.

Novated OS turns the conversation into something the customer can understand.

They can see the cost of the vehicle and its running costs, the potential tax savings and what that means for their take-home pay.

Instead of leaving the dealership to get a novated quote, they can see the numbers while they are still choosing the car.

Customer quote · 2026 BYD Sealion

All in, inside the lease

The carincluded
Accessoriesincluded
Servicing and tyresincluded
Rego and CTPincluded
Insuranceincluded
Fuel or chargingincluded
Their 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

A $55,000 electric car on a $120,000 salary over five years. Every customer's figures differ.

The document they receive

This is the quote, exactly as your customer sees it.

Produced in your dealership, in your name, and sent to them while they are still with you. Below is a real one for a Sunshine Motors customer.

Sunshine Motors · Quote SM‑4K7QN2XB · Ali Hassan
Sunshine Motors
Quoted for Ali Hassan from NSW Health.
The reference number for this quote is SM-4K7QN2XB.
This quote is valid for 14 days from 14 September 2026.
 
Your Consultant is Priya Sharma
priya@sunshinemotors.example |
Novated Lease Quotation - 2026 BYD Sealion Premium

This Novated Lease is based on a term of 60 months, an Annual Salary of $120,000 and 15,000 kms a year Annual Travel.

Includes Fringe Benefits Tax Exemption

Vehicle Details:
2026 BYD Sealion Premium
State of Registration - WA
 
Residual Value inc GST (28.13%): $16,460.83
 
Payroll Cycle: Fortnightly
Budgeted Running Costs (Excluding GST)
Finance$435.21
Service and Maintenance$16.15
Replacement Tyres$13.85
Registration and CTP$35.54
Comprehensive Insurance$55.77
Fuel/Charging$24.23
Finance Management Fee$0.00
Roadside Assistance$0.00
Management Fee$16.15
Lease payment (Excluding GST)$596.90
GST (ITC)$59.69
Deduction Breakdown
Pre Tax:$596.90
Post Tax:$0.00
Your total saving over the term
✓ $37,591
✓Income tax saved, a year$4,966
✓Income tax saved over the term$24,831
✓GST saved over the term$12,760
Salary Breakdown
Current Salary:Not Novated:Novated:
Fortnightly Salary$4,615.38$4,615.38$4,615.38
Pre Tax Deduction$596.90
Less FBT payable$0.00
Luxury Car Adjustment$0.00
Taxable Salary$4,615.38$4,615.38$4,018.49
Income Tax$1,112.31$1,112.31$921.30
HELP Debt$0.00$0.00$0.00
Post Tax Deduction (Car Loan)$656.59$0.00
Estimated Take Home Pay$3,503.08$2,846.49$3,097.19
Disclaimers:
Please note the Salary example is for illustrative purposes only and does not take into account individual circumstances; this includes and is not limited to child support, additional superannuation contributions and HECS/student loans. Fuel/Charging Budget includes a $5 monthly Fleet Card Fee.
This car costs you
$405.89 per fortnight
out of your take home pay, with everything included
Cheaper than a car loan by
$250.70 per fortnight
on the same car, over the same term

Their branding, their consultant, their quote reference. The customer never sees a third party.

Ready to add novated leasing to your dealership?

Start free Book a demonstration