Im considering doing a lease on a new ute because of the 3000 per year saving I would get over buying it in a traditional way. However Im wondering what impact that would have on my serviceability. It would be salary sacrificed in a way, with 580 per fortnight coming out of my pay pre tax. If its a 5 year lease does that simply mean that the bank will deduct that lease amount from my pre tax income? Logically youd think thats all they would do. Or do they have their own calculators where you get extra screwed over if you lease with pre tax dollars. For example do they do something stupid and deduct the pre tax dollars from post tax serviceability rather than deducting like for like? Or do they calculate that at any given time you may leave your job and therefore no longer be eligible for the lease, so they deduct more from your serviceability in order to account for a potential pay out that you may be liable for, or again deduct based on after tax dollars being spent for the lease, as in a new job youd no longer be eligible to use pre tax dollars? Thanks for any guidance.