No one likes paying more tax than they have to, right? So, if you could pay less tax by salary packaging a range of everyday expenses you’d be paying for anyway, why wouldn’t you? 

• Mortgage 
• Rent 
• Personal loan repayments 
• Gas and electricity expenses 
• Groceries and clothes 
• Insurance payments 
• School fees 

No one likes paying more tax than they have to, right? So, if you could pay less tax by salary packaging a range of everyday expenses you’d be paying for anyway, why wouldn’t you? 

• Mortgage 
• Rent 
• Personal loan repayments 
• Gas and electricity expenses 
• Groceries and clothes 
• Insurance payments 
• School fees 

You’ve got to eat right? So you might as well reduce your taxable income even further while you’re enjoying a tasty takeaway laksa or pasta or taco.  

The Meal Entertainment benefit lets you salary package the cost of meals when you eat out, meaning you could save every time you dine with friends and family at restaurants, cafes, pubs, clubs and bistros. 

Ordinarily this would be used in places where you dine in, but due to COVID-19 the ATO, until 31 March 2021 is allowing the use of this benefit for some takeaway and home delivered meals purchased through restaurants that, as of 1 March 2020 would have accepted your Meal Entertainment card, if you were able to dine in. This also includes some meals ordered through delivery services such as Deliveroo, Uber Eats and Menulog. * 

Available for both Health and Not-for-profit workers 

If you could enjoy the benefits of salary packagingon a car, why wouldn’t you? 

A novated lease could benefit almost anyone who needs a car. You don't have to be a big earner or drive lots of kilometres to benefit. You don't even have to get a brand new car - in fact, you can lease a new, used or even your existing car in some cases (so long as it meets the age requirements). With a fully maintained novated lease, one regular payroll deduction covers all your lease repayments and your car’s budgeted running costs including finance, tyres, servicing, registration, fuel and more, giving you both confidence and convenience. With a fully maintained novated lease, one regular payroll deduction covers all your lease repayments and your car’s budgeted running costs including finance, tyres, servicing, registration, fuel and more, giving you both confidence and convenience. 

If you could make superannuation contributions before-tax, why wouldn’t you? 

One of the easiest ways to make salary packaging work for you is by making extra super contributions from your pre-tax salary. You could potentially even boost your take-home pay and your retirement nest egg. 

The smarter way to pay for your work-related expenses. 

From home office items and travel costs to electronic devices and other ‘tools of trade’, you might be surprised at the range of work-related expenses you could package. 

Best of all, you could reduce your taxable income – and, in turn, increase your disposable income – in the process! 

Home office 

• stationery 
• a leased or rented computer 
• maintenance or repairs on home office equipment or facilities 
• work-related software 

Laptop, notebook, tablet computers and mobile phones 

• laptop or notebook computers 
• iPad 
• mobile phones 

Travel expenses (Australia and overseas; costs otherwise not employer-funded) 

• conferences/seminar fees 
• airline tickets 
• accommodation 

Tools of trade 

'Tools of trade' are tools used primarily for performing your usual work duties and may include: 

• manually operated tools 
• electrically powered hand tools 
• toolboxes 
• tool belts 

Whether you want to learn a new skill or build on existing knowledge, you can use pre-tax dollars to pay for self-education expenses. 

Salary packaging self-education expenses means you don't have to wait until tax time to claim on your job-related education initiatives. 

This benefit applies to many forms of education - as long as it is related to your job. Self-education initiatives may include: 

• courses or seminars 
• journal subscriptions 
• new reference books 

You could salary package the cost of your work-related membership fees and subscriptions and enjoy the tax savings. 

You can salary package memberships such as: 

• newspaper and magazine subscriptions 
• professional memberships and subscriptions 
• club memberships 

Do you travel often or just enjoy splurging when you do? You could save on airport lounge memberships by salary packaging the cost. 

So the next time you travel, you can sit back in the airport lounge and relax knowing you've saved on your membership fee. 

Disability/Income protection helps replace your earnings if you can't work due to sickness or injury so you can concentrate on feeling better. With salary packaging you can pay your disability and income protection insurance premiums with pre-tax dollars. 

If you talk to a registered financial adviser about your finances or investment matters, you may be eligible to salary package the fees. 

So while you're getting advice on how to increase your assets and grow your investments, you could save money in the process too. 

You could salary package: 

• financial counselling fees 
• the cost to put together an investment plan 

Note: You cannot salary package initial consultations about salary packaging. 

Need to move away from home for your job? You could salary package your accommodation and food costs for the first 12 months if your employer requires you to move for work purposes. 

What exactly can I package? 

Exempt accommodation component: 

You could package accommodation costs incurred for the first 12 months while living away from home. This benefit is exempt from FBT provided: 

• You or your spouse have an ownership interest in a home in Australia at which you usually reside; 
• The home is available for your immediate use and enjoyment at all times while you are living away from it; and 
• You are reasonably expected to return to your home once you’re no longer required at your work location. 

Exempt food component: 

You could package food costs for the first 12 months while living away from home. 

Each FBT year, the ATO issues a Tax Determination on reasonable amount for food and drink for employees living away from home. Based on this, the exempt food component is calculated. 

This benefit is exempt from FBT if your food costs do not exceed the maximum exempt food component. 

Where your food costs exceed the maximum exempt food component, exemption may be available if valid tax invoices and receipts are provided for the full amount claimed. 

The maximum exempt food component amount for the current FBT year is provided on the Maxxia LAFHA application form. 

Still not sure if you can package this benefit? Contact your employer to find out if this benefit is available to you. 

Need to move home for your job? You could salary package your relocation expenses if your employer requires you to move for work purposes. This applies regardless of whether you buy or rent - and could help save you money on your move. 

You could salary package the cost of storage and removal of household items and the cost of connecting your utilities, such as electricity, gas and telephone to your new home. Other expenses including stamp duty, advertising legal fees, agent commissions and borrowing expenses are circumstance-specific. 

If you're renting, you could salary package the cost of temporary rental accommodation for both your family at your former home and yourself in your new location. 

Note: although this benefit is Fringe Benefits Tax (FBT) exempt, some rules apply. It's best to check with your employer or contact us for more information. 

Still not sure if you can package this benefit? Contact your employer to find out if this benefit is available to you.

If you live and work in a remote area you could save by salary packaging your housing repayments or rental costs. 

You could package a range of remote area housing expenses including: 

• rental costs (employer provided) 
• half your private rental costs - without incurring Fringe Benefits Tax (FBT) 

If you could enjoy the benefits of salary packagingon a car, why wouldn’t you? 

A novated lease could benefit almost anyone who needs a car. You don't have to be a big earner or drive lots of kilometres to benefit. You don't even have to get a brand new car - in fact, you can lease a new, used or even your existing car in some cases (so long as it meets the age requirements). With a fully maintained novated lease, one regular payroll deduction covers all your lease repayments and your car’s budgeted running costs including finance, tyres, servicing, registration, fuel and more, giving you both confidence and convenience. With a fully maintained novated lease, one regular payroll deduction covers all your lease repayments and your car’s budgeted running costs including finance, tyres, servicing, registration, fuel and more, giving you both confidence and convenience. 

If you could make superannuation contributions before-tax, why wouldn’t you? 

One of the easiest ways to make salary packaging work for you is by making extra super contributions from your pre-tax salary. You could potentially even boost your take-home pay and your retirement nest egg. 

The smarter way to pay for your work-related expenses. 

From home office items and travel costs to electronic devices and other ‘tools of trade’, you might be surprised at the range of work-related expenses you could package. 

Best of all, you could reduce your taxable income – and, in turn, increase your disposable income – in the process! 

Home office 

• stationery 
• a leased or rented computer 
• maintenance or repairs on home office equipment or facilities 
• work-related software 

Laptop, notebook, tablet computers and mobile phones 

• laptop or notebook computers 
• iPad 
• mobile phones 

Travel expenses (Australia and overseas; costs otherwise not employer-funded) 

• conferences/seminar fees 
• airline tickets 
• accommodation 

Tools of trade 

'Tools of trade' are tools used primarily for performing your usual work duties and may include: 

• manually operated tools 
• electrically powered hand tools 
• toolboxes 
• tool belts 

Whether you want to learn a new skill or build on existing knowledge, you can use pre-tax dollars to pay for self-education expenses. 

Salary packaging self-education expenses means you don't have to wait until tax time to claim on your job-related education initiatives. 

This benefit applies to many forms of education - as long as it is related to your job. Self-education initiatives may include: 

• courses or seminars 
• journal subscriptions 
• new reference books 

You could salary package the cost of your work-related membership fees and subscriptions and enjoy the tax savings. 

You can salary package memberships such as: 

• newspaper and magazine subscriptions 
• professional memberships and subscriptions 
• club memberships 

Do you travel often or just enjoy splurging when you do? You could save on airport lounge memberships by salary packaging the cost. 

So the next time you travel, you can sit back in the airport lounge and relax knowing you've saved on your membership fee. 

Disability/Income protection helps replace your earnings if you can't work due to sickness or injury so you can concentrate on feeling better. With salary packaging you can pay your disability and income protection insurance premiums with pre-tax dollars. 

If you talk to a registered financial adviser about your finances or investment matters, you may be eligible to salary package the fees. 

So while you're getting advice on how to increase your assets and grow your investments, you could save money in the process too. 

You could salary package: 

• financial counselling fees 
• the cost to put together an investment plan 

Note: You cannot salary package initial consultations about salary packaging. 

Need to move away from home for your job? You could salary package your accommodation and food costs for the first 12 months if your employer requires you to move for work purposes. 

What exactly can I package? 

Exempt accommodation component: 

You could package accommodation costs incurred for the first 12 months while living away from home. This benefit is exempt from FBT provided: 

• You or your spouse have an ownership interest in a home in Australia at which you usually reside; 
• The home is available for your immediate use and enjoyment at all times while you are living away from it; and 
• You are reasonably expected to return to your home once you’re no longer required at your work location. 

Exempt food component: 

You could package food costs for the first 12 months while living away from home. 

Each FBT year, the ATO issues a Tax Determination on reasonable amount for food and drink for employees living away from home. Based on this, the exempt food component is calculated. 

This benefit is exempt from FBT if your food costs do not exceed the maximum exempt food component. 

Where your food costs exceed the maximum exempt food component, exemption may be available if valid tax invoices and receipts are provided for the full amount claimed. 

The maximum exempt food component amount for the current FBT year is provided on the Maxxia LAFHA application form. 

Still not sure if you can package this benefit? Contact your employer to find out if this benefit is available to you. 

Need to move home for your job? You could salary package your relocation expenses if your employer requires you to move for work purposes. This applies regardless of whether you buy or rent - and could help save you money on your move. 

You could salary package the cost of storage and removal of household items and the cost of connecting your utilities, such as electricity, gas and telephone to your new home. Other expenses including stamp duty, advertising legal fees, agent commissions and borrowing expenses are circumstance-specific. 

If you're renting, you could salary package the cost of temporary rental accommodation for both your family at your former home and yourself in your new location. 

Note: although this benefit is Fringe Benefits Tax (FBT) exempt, some rules apply. It's best to check with your employer or contact us for more information. 

Still not sure if you can package this benefit? Contact your employer to find out if this benefit is available to you 

If you live and work in a remote area you could save by salary packaging your housing repayments or rental costs. 

You could package a range of remote area housing expenses including: 

• rental costs (employer provided) 
• half your private rental costs - without incurring Fringe Benefits Tax (FBT) 

No one likes paying more tax than they have to, right? So, if you could pay less tax by salary packaging a range of everyday expenses you’d be paying for anyway, why wouldn’t you? 

• Mortgage 
• Rent 
• Personal loan repayments 
• Gas and electricity expenses 
• Groceries and clothes 
• Insurance payments 
• School fees 

You’ve got to eat right? So you might as well reduce your taxable income even further while you’re enjoying a tasty takeaway laksa or pasta or taco.  

The Meal Entertainment benefit lets you salary package the cost of meals when you eat out, meaning you could save every time you dine with friends and family at restaurants, cafes, pubs, clubs and bistros. 

Ordinarily this would be used in places where you dine in, but due to COVID-19 the ATO, until 31 March 2021 is allowing the use of this benefit for some takeaway and home delivered meals purchased through restaurants that, as of 1 March 2020 would have accepted your Meal Entertainment card, if you were able to dine in. This also includes some meals ordered through delivery services such as Deliveroo, Uber Eats and Menulog. * 

Available for both Health and Not-for-profit workers 

Novated leasing allows you to pay for your car with some of your pre-tax salary (over and above any that you use for capped benefits) – and potentially lower your taxable income.

New or used, we can help you find the car you want and negotiate with dealers to secure a great price financed by Maxxia that doesn’t include GST or any upfront fees^. You can even salary package your own car in many circumstances through a Lifestyle Lease.

Once you’ve decided on the car you want we will set up a salary packaging account. Then we can arrange a budget for your lease repayments and running costs like fuel, registration, insurance and maintenance. The cost of everything is bundled into one regular payment drawn from your salary each pay.

^The amount financed with Maxxia is the amount we pay to acquire the vehicle to lease it to you. If you purchase the vehicle on termination of the lease, GST is payable on the purchase price you pay at that time.

If you could make superannuation contributions before-tax, why wouldn’t you? 

One of the easiest ways to make salary packaging work for you is by making extra super contributions from your pre-tax salary. You could potentially even boost your take-home pay and your retirement nest egg. 

The smarter way to pay for your work-related expenses. 

From home office items and travel costs to electronic devices and other ‘tools of trade’, you might be surprised at the range of work-related expenses you could package. 

Best of all, you could reduce your taxable income – and, in turn, increase your disposable income – in the process! 

Home office 

• stationery 
• a leased or rented computer 
• maintenance or repairs on home office equipment or facilities 
• work-related software 

Laptop, notebook, tablet computers and mobile phones 

• laptop or notebook computers 
• iPad 
• mobile phones 

Travel expenses (Australia and overseas; costs otherwise not employer-funded) 

• conferences/seminar fees 
• airline tickets 
• accommodation 

Tools of trade 

'Tools of trade' are tools used primarily for performing your usual work duties and may include: 

• manually operated tools 
• electrically powered hand tools 
• toolboxes 
• tool belts 

Whether you want to learn a new skill or build on existing knowledge, you can use pre-tax dollars to pay for self-education expenses. 

Salary packaging self-education expenses means you don't have to wait until tax time to claim on your job-related education initiatives. 

This benefit applies to many forms of education - as long as it is related to your job. Self-education initiatives may include: 

• courses or seminars 
• journal subscriptions 
• new reference books 

You could salary package the cost of your work-related membership fees and subscriptions and enjoy the tax savings. 

You can salary package memberships such as: 

• newspaper and magazine subscriptions 
• professional memberships and subscriptions 
• club memberships 

Do you travel often or just enjoy splurging when you do? You could save on airport lounge memberships by salary packaging the cost. 

So the next time you travel, you can sit back in the airport lounge and relax knowing you've saved on your membership fee. 

Disability/Income protection helps replace your earnings if you can't work due to sickness or injury so you can concentrate on feeling better. With salary packaging you can pay your disability and income protection insurance premiums with pre-tax dollars. 

If you talk to a registered financial adviser about your finances or investment matters, you may be eligible to salary package the fees. 

So while you're getting advice on how to increase your assets and grow your investments, you could save money in the process too. 

You could salary package: 

• financial counselling fees 
• the cost to put together an investment plan 

Note: You cannot salary package initial consultations about salary packaging. 

Need to move away from home for your job? You could salary package your accommodation and food costs for the first 12 months if your employer requires you to move for work purposes. 

What exactly can I package? 

Exempt accommodation component: 

You could package accommodation costs incurred for the first 12 months while living away from home. This benefit is exempt from FBT provided: 

• You or your spouse have an ownership interest in a home in Australia at which you usually reside; 
• The home is available for your immediate use and enjoyment at all times while you are living away from it; and 
• You are reasonably expected to return to your home once you’re no longer required at your work location. 

Exempt food component: 

You could package food costs for the first 12 months while living away from home. 

Each FBT year, the ATO issues a Tax Determination on reasonable amount for food and drink for employees living away from home. Based on this, the exempt food component is calculated. 

This benefit is exempt from FBT if your food costs do not exceed the maximum exempt food component. 

Where your food costs exceed the maximum exempt food component, exemption may be available if valid tax invoices and receipts are provided for the full amount claimed. 

The maximum exempt food component amount for the current FBT year is provided on the Maxxia LAFHA application form. 

Still not sure if you can package this benefit? Contact your employer to find out if this benefit is available to you. 

Need to move home for your job? You could salary package your relocation expenses if your employer requires you to move for work purposes. This applies regardless of whether you buy or rent - and could help save you money on your move. 

You could salary package the cost of storage and removal of household items and the cost of connecting your utilities, such as electricity, gas and telephone to your new home. Other expenses including stamp duty, advertising legal fees, agent commissions and borrowing expenses are circumstance-specific. 

If you're renting, you could salary package the cost of temporary rental accommodation for both your family at your former home and yourself in your new location. 

Note: although this benefit is Fringe Benefits Tax (FBT) exempt, some rules apply. It's best to check with your employer or contact us for more information. 

Still not sure if you can package this benefit? Contact your employer to find out if this benefit is available to you.

If you live and work in a remote area you could save by salary packaging your housing repayments or rental costs. 

You could package a range of remote area housing expenses including: 

• rental costs (employer provided) 
• half your private rental costs - without incurring Fringe Benefits Tax (FBT)