Eternity Group

Cherrybrook · One Roof

Accountant & Mortgage Broker Cherrybrook

One firm in Cherrybrook that is both your Chartered Accountant and your mortgage broker. Tax, BAS, SMSF, home loans, refinancing and investment lending scoped together — so the tax decision and the borrowing decision are made in the same conversation, not by two firms that never speak.

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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 combined proposition, for the Cherrybrook home suburb.

This is the head page for clients searching for an accountant and mortgage broker in one place. It leads with the dual-service model and the most common Cherrybrook decisions where the two sides meet.

Eternity Group is based in Cherrybrook because the principal, Rohan Manokaran, lives here. The practice runs from 15 Forest Close, a few minutes from Cherrybrook Metro, but this page is not the office page — for parking, the Metro walk and the full contact card, the dedicated Cherrybrook office page holds that detail. What this page covers is the thing that is genuinely different about us: one practitioner who is both a Chartered Accountant and acts as your mortgage broker, so a borrowing decision and a tax decision are scoped together rather than handed between two firms.

If your first decision is the return rather than the loan, the tax accountant — Cherrybrook entry is the right door. If the loan comes first, the mortgage broker — Cherrybrook entry leads with lending. This page sits above both: it is for the many Cherrybrook households and business owners who arrive with both questions at once and want them handled in one engagement.

Cherrybrook is a residential pocket of the Hornsby Shire bordered by Castle Hill, West Pennant Hills and Pennant Hills — overwhelmingly owner-occupier family homes. Since the 2019 Metro extension it has become a credible base for professionals commuting to North Sydney, Macquarie Park or the CBD, and that profile shapes the work: two-income households, a rental property or two, a growing small company, and the periodic large financial decision that touches both tax and lending in the same week.

Where the two sides meet

The Cherrybrook dual decisions.

The decision shapes we see most often in this suburb — each one is a place where the tax answer and the lending answer change each other, which is exactly why one desk helps.

Upgrade the family home

Selling and buying within Cherrybrook or West Pennant Hills while keeping an existing property as an investment. The loan structure on the retained property and its deductibility are decided together, not in sequence.

Release equity for the next purchase

Established owners with strong equity drawing on it for a deposit elsewhere in Sydney. We frame the borrowing alongside how the new property is held and what the interest is used for — purpose drives the tax outcome.

Director income for a loan

For a Pty Ltd director, the company and individual returns are also the documents a lender reads for serviceability. The same person who prepares them frames how the income presents to a lender.

Investment property purchase

A Cherrybrook household buying a rental elsewhere in NSW or interstate. Loan choice and ownership structure are set together so the negative-gearing position and the lending sit consistently.

Refinance with a tax angle

Refinancing the family home where part of the borrowing relates to investment or business. We keep the deductible and private portions cleanly separated rather than tangled in one redraw.

Self-employed across the year

Contractors and sole traders whose year-end return supports next year's application. We prepare the return knowing it has to read clearly to both the ATO and a lender.

How One Roof works in practice

One scoping conversation, two engagements.

The combined model does not blur the two services — they stay separately scoped, quoted and documented. It removes the coordination gap between them.

Scope both sides

A short call maps where you are on tax and on lending, and which decisions touch each other. If only one side is relevant, we say so and run that side alone.

Engage separately

Accounting and tax work is engaged on its own scope and fee. Credit assistance runs under its own Credit Guide. You see how each is structured before committing.

Decide together

Where the two overlap — structure, purpose of borrowing, serviceability — the same practitioner frames both so a choice on one side does not quietly undo the other.

Maintain the position

Returns, BAS and any annual lending review stay with the same desk year on year, so the picture compounds rather than resetting with each new adviser.

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.

How we are paid

Transparent on remuneration, on both sides.

Tax and lending are billed separately, and we set out the basis of each before you commit.

Mortgage broking

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.

Accounting & tax

Accounting and tax work is quoted on its own scope and fee, separate from any lending engagement. You receive a written engagement and fee estimate before work begins, so the two services are never bundled or cross-subsidised.

Who we work with here

The Cherrybrook client mix.

Owner-occupier families

Two-income households across Cherrybrook, West Pennant Hills and Pennant Hills — family returns, rental schedules and the home-loan or refinance decision that sits alongside them.

Small business owners

Pty Ltd directors and professional-services operators across the Hills corridor — company compliance, BAS, director tax planning, and the lending that depends on how that income presents.

Property investors

Established Cherrybrook owners building a portfolio elsewhere in Sydney — investment loans and ownership structure set together, under current law on negative gearing and the CGT discount.

Self-employed & contractors

Sole traders and contractors working across the corridor who need a return that reads clearly to the ATO and to a lender — often prepared with the next application already in view.

Eternity Group Accountants is a registered tax agent (TPB 25523469). Information on this page is general in nature and does not constitute personal tax advice. Before acting, consider whether the information is appropriate to your circumstances and seek advice from a qualified tax professional.

Frequently asked questions

The combined model — common questions.

This page is about the combined proposition — what it means in practice to have one person who is both your accountant and your mortgage broker, and the kinds of Cherrybrook decisions that benefit from scoping both sides at once. The Cherrybrook office page holds the practical detail: the 15 Forest Close address, parking, Metro access and full contact information. If you want the directions-and-parking view, start there; if you want to understand the dual-service model, stay here.

Explore

Pick your entry point

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