Understanding Running Costs
Running costs such as fuel, servicing, tyres, insurance, and registration are a core part of every novated lease. These running costs need to be budgeted accurately so you're never out of pocket during your lease term.
Some providers keep make their quotes appear cheaper by under budgeting these costs. It is an easy way to make a lease appear more affordable upfront, but it often leads to surprise bills later.
The Problem: When budgets don’t match real life
Here’s a common scenario:
You sign a novated lease with a provider offering a low monthly payment. It seems like a great deal, until real life kicks in.
Fuel prices fluctuate, servicing costs rise, and the Territory’s driving conditions demand more from your vehicle than the quote assumed.
Soon, your lease account runs short and you’re paying top-up costs from your own pocket.
Why This Happens
Under budgeting usually comes down to three things:
- Lowball quotes – Some providers reduce running cost estimates to make their offer look better.
- Interstate data – Costs are based on capital-city driving, not Territory distances or road conditions.
- Lack of transparency – Customers aren’t clearly told that shortfalls must be paid personally.
How AANT Prevents This
AANT Salary Packaging sets budgets using real data from NT drivers — not generic interstate averages.
We review and adjust budgets proactively, making sure your lease stays fully funded throughout its term.
If there’s a surplus at the end, it’s returned to you. AANT never keeps unused balances.
Key Takeaway
A cheaper-looking novated lease quote does not necessarily mean better value.
When running costs are underbudgeted, you end up paying the difference from your own after-tax income.
AANT’s accurate, NT-specific budgeting keeps your lease fair, predictable, and stress-free, so your salary packaging works exactly as it should.
