Get a novated lease on a BMW X3
Explore cars and get estimated prices
With a BMW X3, we estimate you could save $40,869.82
in tax with a 5-year novated lease from Smart.^
2026 BMW X3
G45 20 xDrive Wagon 5dr Steptronic 8sp 4x4 2.0T/8kW (ZA)
Get an estimate
Get started with a few detailsCar details
Overview
Car features
- Airbags
- Driver
- Head for 1st Row Seats (Front)
- Head for 2nd Row Seats
- Passenger
- Side for 1st Row Occupants (Front)
- Anti-theft
- Engine Immobiliser
- Braking aids
- ABS (Antilock Brakes)
- Brake Assist
- Hazard/Stoplights
- Emergency kit
- First Aid Kit
- Tyre Repair Kit
- Locking
- Card - with remote entry
- Key Proximity
- Remote Fuel Lid Release
- Remote/Keyless
- Remote/Keyless via App - Interne
- Starter Button
- Seatbelts
- Lap/Sash for 5 seats
- Load Limiters 1st Row (Front)
- Pretensioners 1st Row (Front)
- Stability & traction
- Control - Electronic Stability
- Control - Traction
- Tyre pressure
- Monitoring - with logging/display
- Blind spot
- Sensor
- Cameras
- Camera (Event Recording) - Front
- Camera (Event Recording) - Interior
- Camera (Event Recording) - Rear
- Camera (Event Recording) - Side
- Front Vision
- Rear Vision
- Side Vision
- Collision assist
- Emergency Steering Assist
- Forward
- Forward (High speed)
- Forward (Low speed)
- VRU
- Cross traffic
- Front
- Warning - Rear Cross Traffic (when reversing)
- Cruise control
- Distance Control
- Lead Vehicle Start Active Assist
- With Brake Function (limiter)
- Driver attention
- Detection
- Exit warning
- Side Door Exit Warning
- Hill control
- Descent
- Lane assist
- Active Assist
- Warning
- Parking aids
- Automated Steering
- Front
- Rear
- Reminders
- Warning - Rear Seat Occupancy
- Warning - Seatbelt Reminder
- Speed assistance
- Reminder - Road Sign Recognition
- Speed Limiter
- Telematics
- Auto Emergency Response Call Ability
- Monitoring Service
- Air conditioning
- Air Conditioning
- Climate
- Air Conditioning - Charcoal Filter (Odour Reducer)
- Air Conditioning - Multi Zone
- For Humidity
- For Solar/Sun
- Drive modes
- System (When at idle)
- Driver info
- Full
- Head Up
- On-board Computer
- Heated seats
- 1st Row
- Park brake
- Park Brake - Electric
- Power mirrors
- Anti Glare
- Auto Dipping (Reversing)
- Folding
- Heated
- Power sockets
- 12V Socket(s) - Auxiliary
- USB Socket(s) - Charging
- Power steering
- Electric Assist
- Power tailgate / boot
- Power - Tailgate/Boot (Hands Free Operation)
- Power windows
- Front & Rear
- Remote access
- Via App
- Wipers & sensors
- Rain Sensor (Auto wipers)
- Audio inputs
- Aux Input USB Socket
- MP3 Decoder
- Connectivity
- Bluetooth System
- Compatible Devices
- Via Sim Preparation
- Infotainment
- Colour
- Navigation
- Advanced Functionality
- GPS (Satellite Navigation)
- Radio
- Digital (DAB+)
- Smart device
- Integration - Android Auto Wireless
- Integration - Apple Carplay Wireless
- Smart Device App Display/Control
- Speakers
- 6 Speaker Stereo
- Voice
- Voice Recognition
- Ambient lighting
- Interior (User Configurable)
- Armrests
- Rear Centre (Shared)
- Cargo area
- Tie Down Hooks/Rings
- Tie-down Rails
- Electric seats
- 1st Row (Front)
- Drivers with Memory
- Floor & cargo
- Floor Mats
- Headlining
- Colour
- Interior lighting
- For 1st Row
- For 2nd Row
- Front
- Leather look
- Seats
- Scuff plates
- Scuff Plates (on door sills)
- Seats
- 1st Row (Front)
- Bolsters Adjustable for Driver
- Driver with Electric Lumbar
- Passenger with Electric Lumbar
- Rear Opening for Skis/boot access
- Steering wheel
- Leather Steering Wheel
- Multi-function Steering Wheel
- Sports
- Storage
- 1st Row
- 1st row (Front)
- 1st Row (Front) seats
- 2nd Row
- 2nd row (rear)
- Centre Console 1st Row
- Sunvisors
- Illuminated Vanity Mirrors Dual
- Body colour
- Door Handles
- Chrome highlights
- Grille Surround
- Fog lamps
- Fog Lamp/s - Rear
- Gloss finish
- Exterior
- Highlights
- Grille
- Black
- Headlamps
- Active (Cornering/steering)
- Automatic (light sensitive)
- High Beam Active Shadowing
- LED
- Lighting
- Exterior Side
- LED
- Off-road
- Front
- Rear
- Roof racks
- Roof Rails
- Spoiler
- Rear Roof Mounted
- Tail lamps
- LED
- Tyres
- Runflat
- Wheels
- 19" Alloy Wheels
- Windows
- Side Windows
- Brakes
- Front Ventilated
- Rear Ventilated
- Regenerative
- Drivetrain
- Transfer System
- Other features
- Control - Pedestrian Avoidance with Braking
- Metallic Paint
- Rear View Mirror - Electric Anti Glare
- Seats-2nd Row Split Fold
Frequently asked questions
Prices shown are based on standard assumptions. Your actual novated lease price will depend on your employer, salary, and personal circumstances. To get an accurate, personalised price, create an account. You’ll be able to see your estimated savings and compare your novated lease options before continuing.
This page defaults to a BMW X3 20 xDrive Steptronic, but all variants are available in our Novated Leasing Hub. Register for an account to get prices, choose variants, compare them and customise your novated lease quote.
Novated lease tax benefits on a Smart™ lease are a combination of savings, including:
- GST savings on the car price
- Pre‑tax salary deductions (reducing taxable income)
- GST savings on running costs
- FBT and ECM balancing or exemptions
Fringe Benefit Tax (FBT) is a tax employers pay on certain benefits, including novated leases. In most cases the cost of FBT is offset through your lease using post‑tax contributions (ECM). Eligible electric cars are exempt from FBT, making them even more cost‑effective.
The process starts with getting a personalised novated lease quote for a BMW X3 or other cars, including accessories, running costs and different lease terms. Once you’re happy with the package, it’s time to apply for finance.
Step 1. Get your price
Log in to get a quote on a car you personalise and build.
Step 2. Maximise your tax savings
Add running costs like fuel, tyres and maintenance to your novated lease. You can also explore other cars and compare your quotes.
Step 3. Apply for finance
You’ll then apply for finance online, with a typical turnaround of around 24 hours (subject to credit approval).
Step 4. Source car
After signing your contract, we’ll source your car at a great price through our 740‑strong dealer network, and set up your payroll deductions.
Step 5. Settlement
After delivery, Smart manages all payments and running‑cost budgets for you.
At the end of your term, you can choose to:
- Pay the residual value owed and own the car.
- Refinance the residual and keep leasing.
- Upgrade to a new car.
Smart can also help sell your car through Smart Sell™.
*Required information. By registering, I agree to the collection, storage, use and disclosure of my personal information in accordance with the Smart Privacy Policy and Privacy Collection Statement.
^ Pricing and savings figures are based on the following assumptions:
- 1. Residency in NSW 2000
- 2. Annual gross salary of $120,000
- 3. Annual travel distance of 15,000 km
- 4. A 5-year lease/loan term
- 5. Salary packaging via the Employee Contribution Method (ECM) and the FBT Exempt Method applicable to eligible electric vehicles under the Electric Car Discount
All quoted figures include estimated budgets for finance, charging and/or fuel, servicing, tyres, maintenance, Vero by Suncorp comprehensive motor insurance, and registration renewals over the lease or loan term. A residual payment, as determined by the Australian Taxation Office, is payable at the end of a novated lease. The specific residual amount will be detailed in your personalised vehicle quote. Your personal circumstances have not been factored into this estimate and your actual novated lease repayment residual amounts and tax savings will depend on your income tax bracket, your employer's GST processing method, the administration fees payable under your employer's salary packaging plan and your personal circumstances. Figures are accurate as of June 2026 and are subject to change without notice.