I agree - that's why I set up all my own novated leases. Of course, I must go through my employer's package provider to make payments, but I pay them, I am their client, so I tell them what I want. Similarly, I shop around for finance, get fleet dicount quotes off dealers direct, tell the package provider what and when to pay and just get my employer to sign the paperwork. As stated, each party (employer / finance company / package provider / ATO) only cares that you comply with the rules and where applicable that they get paid. Most financiers will lease any car that is not more than 7 years old at the end of its lease. So you can lease a 5yo car for 2 years. This is a great way to minimise FBT and depreciation! Macquarie Leasing allowed a work colleague a 3 year lease on a 1976 Triumph TR6. Again, all they care about is that the car is worth the residual amount or more at the end of the lease. Unless your employer is a total control freak, there is a lot more flexibility in novated leasing than most people realise....