How does NL actually work?

We’re looking at purchasing an EV and we’re initially thinking we’d put it on the mortgage. Dealer asked us if we’d considered novated lease.

We’re locked into maxxia (which look pretty bad according to quick search in here?). From what I understand, maxxia take repayments out of pre-tax salary. So does this mean there’s not the usual needing to supply full financial details like you do with a standard loan? If the fee maxxia takes includes rego, servicing and the likes, do we pay the rego then submit receipts to maxxia to claim back? Or do we forward invoices to them to pay directly?

Even though the interest rate is higher with maxxia than the mortgage, it seems like we come out ahead that way due to pre tax and bundling things, but is there a catch somewhere?

Will speak to maxxia directly tomorrow, but just wondering if there’s anything I should be asking them on the phone before agreeing to anything. Thanks!