Eternity Group

Castle Hill · One Roof

Accountant & Mortgage Broker Castle Hill

One practitioner for both sides of your finances in Castle Hill: tax returns, BAS, SMSF and business advisory on the accounting side, and home loans, refinancing and investment lending on the broking side — coordinated from a Cherrybrook office, a few minutes from Castle Towers.

Book a Castle Hill AppointmentHow One Roof works

Where information on this page combines tax and lending considerations, tax-related statements are general only and depend on individual circumstances. Eternity Group Accountants is a registered tax agent (TPB 25523469). Mr Rohan Manokaran (Credit Representative 565110) is authorised under Australian Credit Licence 561324. Seek personal tax and credit advice based on your situation.

What this page is for

The integrated proposition, written for Castle Hill specifically.

This is the head-term page for people searching for an accountant and a mortgage broker in Castle Hill at the same time. It is deliberately distinct from the Castle Hill location page.

Castle Hill is the retail, services and commercial heart of the Hills — the precinct that runs from Castle Towers along Old Northern Road and Castle Hill Road. The dominant local profile is an established two-income household, PAYG salary-led, frequently paired with either a small business or an active investment-property position elsewhere in Sydney or interstate. Often it is both. When the household reaches the upgrade-or-invest stage, the accounting question and the lending question stop being separate, and that is exactly where a combined practice earns its place.

The Castle Hill location page is the suburb overview — it carries the full service list and general local context for anyone browsing for a Castle Hill accountant or broker. This page does something narrower and deeper: it explains how one practitioner coordinates both sides of a single engagement, and why the common Castle Hill shapes — refinance, equity release and the dual-income tax return — are better handled together than apart.

If you only need one side — just a tax return, or just a loan — that is completely fine, and the tax-led and lending-led service pages below are the right starting points. This page is written for the more common Castle Hill situation: the two decisions are linked, and you would rather not stitch two advisers together yourself.

Common Castle Hill shapes

Where both sides meet.

Refinance and release equity

An established Castle Hill owner-occupier refinancing — for rate, for structure (offset, split, redraw) or to release equity toward the next purchase. Where the release tranche is for investment, loan-purpose discipline is set from the start so the deductible-interest position holds at tax time.

Dual-income tax return

Two PAYG incomes, often with one or more rental properties elsewhere. Rental schedules, depreciation, deductible interest and any CGT events are worked through inside the personal returns — and feed straight into the next serviceability conversation.

Investment property purchase

A Castle Hill household buying an investment property. Ownership structure scoped (personal, trust or company), lenders shortlisted against that structure, and the after-tax holding position modelled before the contract is signed.

Retail / services BAS rhythm

A business around Castle Towers or Old Northern Road on a quarterly BAS rhythm — Xero, payroll, STP and an annual company or trust return on top. Scoped as one engagement so the rhythm and the lending readiness stay visible together.

Self-employed home loan

A Castle Hill contractor, sole trader or company director buying or refinancing the family home. Tax returns, BAS and the lender's add-back appetite are read together by the same person preparing the financials.

Commercial premises

A Castle Hill business buying or refinancing its own premises. Commercial lending is scoped against business cashflow, with the company tax position and any Division 7A discipline on the deposit funding handled in sync.

How it runs

One file, both sides, in sequence.

Scope the whole picture

A short call to map both sides at once — the household income shape, any business, the investment position, and what is driving the lending decision. We agree what is tax work and what is lending work before anything begins.

Get the numbers right

Tax returns and BAS are brought up to date so the financials a lender will rely on are accurate and consistent. Self-employed add-backs and rental positions are documented the way an assessor will read them.

Structure and shortlist

Ownership and loan structure are scoped together, then lenders are shortlisted against your circumstances and that structure. Loan purpose is set deliberately so the tax treatment holds for the relevant income year.

Lodge, settle, review

The return is lodged and the loan application is submitted and tracked to settlement. After settlement, the two files stay in one place so the next year's return and the next refinance start from the same record.

Eligibility, lender criteria, fees and charges apply, and lending outcomes depend on the lender's assessment of your circumstances. Tax concepts referenced here are general information only and not personal advice — your position depends on the facts and on the current law for the relevant income year.

The Government announced changes to the CGT discount and to negative gearing in the 2026–27 Federal Budget; those measures are not yet law and are intended to apply from 1 July 2027 if enacted, so always check the current law for the relevant income year.

How we are paid

Remuneration, stated plainly.

How we are paid: Eternity Mortgage Solutions typically receives commissions from the lender for loans arranged on your behalf. A full explanation of how we are paid, our lender panel and any potential conflicts of interest is provided in our Credit Guide and Credit Proposal Disclosure document, available on request before any loan application is submitted.

The accounting and tax side of the practice is quoted and billed separately, on its own engagement terms. Keeping the two clearly delineated means the fee for your tax return is never confused with how the broking side is remunerated — you see which costs relate to which service before work starts.

Credentials & contact

One registered practitioner, both sides.

Chartered Accountant

Chartered Accountants Australia and New Zealand (CA ANZ)

Member of Chartered Accountants Australia and New Zealand (CA ANZ) (266544) and a Registered Tax Agent (TPB 25523469).

Credit Representative

Loans Only Pty Ltd

Authorised under Australian Credit Licence 561324 (Loans Only Pty Ltd). We explain remuneration in our Credit Guide.

Office

15 Forest Close, Cherrybrook NSW 2126

By appointment. Roughly 10 to 15 minutes from Castle Hill via Castle Hill Road and Showground Road.

Contact

0414 825 388

rohan@egaamb.com.au · Mon–Fri 9:00am – 5:30pm AEST/AEDT

Mr Rohan Manokaran (Credit Representative 565110) is authorised under Australian Credit Licence 561324 held by Loans Only Pty Ltd. Information on this page is general in nature and does not take into account your objectives, financial situation or needs. Credit eligibility, lender criteria, fees and charges apply.

Frequently asked questions

Castle Hill — combined service questions.

This page is the integrated, dual-service entry for people searching specifically for an accountant and mortgage broker in Castle Hill — it explains how one practitioner runs both the tax and the lending side of a Castle Hill engagement. The Castle Hill location page is the broader local suburb page with full service lists and general Castle Hill context. If you want the suburb overview, start there; if your reason for calling is that your tax position and a loan decision are tangled together, this is the page to read.

Explore

Choose your starting point

Same practitioner, same Cherrybrook office, both sides of your finances scoped together. Pick the entry that fits where you are.