Hi,
My experience with salary sacrifice is that it is variable depending on what occupation you are in. I worked for a charity and in that job I could sacrifice just about anything – including lots of personal items like loan repayments, up to 50% of your wage – but it was because as a charity they didn’t have to pay fringe benefit tax (which is outrageously high if you are not a charity). I now work for the government and have looked at there salary sacrifice packages and found that it is just not worth it. The rational about allowing some charities such scope is that they pay badly in the first place (true) therefore they need to do something extra to keep quality staff.
For what it is worth.
Terina