Get a novated lease on a BMW X5
Explore cars and get estimated prices
With a BMW X5, we estimate you could save $58,054.19
in tax with a 5-year novated lease from Smart.^
2026 BMW X5
G05 LCI xDrive30d M Sport Wagon 5dr Steptronic 8sp 4x4 3.0DT
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
- Knee Driver
- Passenger
- Side for 1st Row Occupants (Front)
- Alarm
- With Remote Personal Communicator
- Anti-theft
- Engine Immobiliser
- Braking aids
- ABS (Antilock Brakes)
- Automatic Brake Differential
- Brake Assist
- Hazard/Stoplights
- Hill Holder
- Emergency kit
- First Aid Kit
- Locking
- Key Proximity
- Remote Fuel Lid Release
- Remote/Keyless
- Start - Key/FOB Proximity related
- Starter Button
- Occupant protection
- Occupant Protection
- Seatbelts
- Lap/Sash for 5 seats
- Load Limiters 1st Row (Front)
- Pretensioners 1st Row (Front)
- Stability & traction
- Control - Corner Braking
- Control - Electronic Damper
- Control - Electronic Stability
- Control - Traction
- Tyre pressure
- Sensor
- Blind spot
- Sensor
- Cameras
- 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
- Lead Vehicle Start Alert
- With Brake Function (limiter)
- Drive modes
- Selectable
- Driver attention
- Detection
- Warning - Driver Fatigue
- Hill control
- Descent
- Lane assist
- Active Assist
- Warning
- Parking aids
- Automated Steering
- Front
- Fully Automated
- Graphical Display
- Rear
- Trailer Reversing
- Speed assistance
- Reminder - Road Sign Recognition
- Speed Limiter
- Telematics
- Auto Emergency Response Call Ability
- Monitoring Service
- Air conditioning
- Air Conditioning
- Climate
- 2 Zone
- Air Conditioning - Charcoal Filter (Odour Reducer)
- Air Conditioning - Pollen Filter
- Control
- For Solar/Sun
- Drive modes
- System (When at idle)
- Driver info
- Full
- Head Up
- Heated seats
- 1st Row
- Memory
- Driver (most vehicle electrics)
- Park brake
- Park Brake - Electric
- Power mirrors
- Anti Glare
- Auto Dipping (Reversing)
- Folding
- Heated
- With Memory
- Power sockets
- 12V Socket(s) - Auxiliary
- USB Socket(s) - Charging
- Power steering
- Electric Assist
- Speed Sensitive
- Power tailgate / boot
- Power - Tailgate/Boot (Hands Free Operation)
- Power windows
- Front & Rear
- Steering wheel
- Power & Memory
- Sunroof
- Electric
- Wipers & sensors
- Rain Sensor (Auto wipers)
- Rear Wiper/Washer
- Audio inputs
- Aux Input USB Socket
- Connectivity
- Bluetooth System
- Compatible Devices
- Inbuilt Harddisk Drive
- Via Sim Preparation
- Infotainment
- Colour
- Front Twin View L & R
- Navigation
- GPS (Satellite Navigation)
- Radio
- Digital (DAB+)
- Smart device
- Integration - Android Auto Wireless
- Integration - Apple Carplay Wireless
- Smart Device App Display/Control
- Speakers
- 10 Speaker Stereo
- Voice
- Voice Recognition
- Ambient lighting
- Interior (User Configurable)
- Armrests
- Front Centre (Shared)
- Rear Centre (Shared)
- Cargo area
- Net
- Tie Down Hooks/Rings
- Electric seats
- Drivers with Memory
- Passenger
- Floor & cargo
- Floor Mats
- Gear shift
- Paddles behind Steering Wheel
- Gloss finish
- Inserts
- Headlining
- Trimmed
- Interior lighting
- For 1st Row
- For 2nd Row
- Front
- Rear
- Leather look
- Inserts in Doors
- Seats
- Metallic finish
- Interior Inserts
- Scuff plates
- Scuff Plates (on door sills)
- Seats
- 1st Row (Front)
- Bolsters Adjustable for Driver
- Bolsters Adjustable for Front Passenger
- Driver with Electric Lumbar
- Passenger with Electric Lumbar
- Steering wheel
- Leather Steering Wheel
- Multi-function Steering Wheel
- Sports
- Storage
- 1st Row
- 1st row (Front)
- 2nd Row
- 2nd row (rear)
- Centre Console 1st Row
- Front Driver Seat
- Front Passenger Seat
- Woodgrain
- Inserts
- Aero
- Diffuser - Rear
- Body colour
- Exterior Mirrors Partial
- Chrome highlights
- Exhaust Tip(s)
- Grille
- Fog lamps
- Fog Lamp/s - Rear
- Front LED
- Gloss finish
- Exterior
- Highlights
- Inserts
- Guards
- Front
- Headlamps
- Active (Cornering/steering)
- Automatic (light sensitive)
- High Beam Auto Dipping
- LED
- Lighting
- Daytime Running Lamps
- Off-road
- Front
- Rear
- Roof racks
- Roof Rails
- Spare wheel
- Space Saver/Temporary
- Spoiler
- Rear Roof Mounted
- Tail lamps
- LED
- Tyres
- Runflat
- Wheels
- 20" Alloy Wheels
- Windows
- Windscreen
- Brakes
- Front Ventilated
- Painted Front
- Painted Rear
- Performance Brakes
- Rear Ventilated
- Regenerative
- Exhaust
- System - Dual
- Suspension
- Lowered
- Other features
- 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 X5 xDrive30d 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 X5 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.