Norwest · One Roof
Accountant & Mortgage Broker Norwest
A combined Chartered Accountant and mortgage broker for the Norwest business park. Pty Ltd company tax, BAS, virtual CFO, commercial lending and director home loans coordinated by one practitioner — so the director-pay decision and the borrowing decision are weighed together, not in two separate firms.
- Norwest (local page)
- Business tax accountant
- Virtual CFO
- Commercial lending
- Director home loans
- Business owner strategy
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
One practitioner for the company tax decision and the lending decision.
Norwest is the dominant commercial business park of the Hills District — founder-operated Pty Ltd companies across professional services, IT and software, allied health, engineering, consulting and financial services. This page is for the director who has both a company tax position to settle and a personal or commercial borrowing decision to make.
Most Norwest businesses sit in leased suites along Norwest Boulevard, Solent Circuit and the surrounding precincts, with annual revenue somewhere between roughly $300k and $20m. The owner is usually a founder-operator, often paired with a family discretionary trust, running a year-round compliance rhythm — quarterly BAS, STP, monthly Xero discipline — that builds toward a year-end tax-planning conversation with real weight.
The reason a combined accountant-and-broker practice fits this profile specifically: the same numbers that decide director pay, dividend timing and retained profit also set the income a lender will read when that director buys a home, refinances the family mortgage or releases equity for an investment property. Decide those two things in separate firms, six months apart, and they can quietly work against each other. Scope them in one engagement and the trade-off is visible on the table.
This is the head-term, dual-service entry. If you want the office detail, the full service catalogue and how a general Norwest SME engagement runs, the Norwest local page is the better starting point. If you want the cross-cluster engagement model written generically for any business owner, see business owner accounting & lending. This page narrows both to the Norwest founder-operator.
Where the two sides meet
The director-pay and serviceability interaction.
The point of a single practice is the overlap. These are the places where a company tax decision and a lending decision touch the same number for a Norwest director.
Director pay vs assessable income
A low-salary, profit-retained structure is tax-efficient but can shrink the income a lender assesses. Some lenders read only wages and declared dividends; others add back retained profit where the director controls the company. We map which approach the loan purpose and lender allow before locking the pay structure.
Dividend and distribution timing
When dividends are declared, and how distributions flow through a family trust, changes both the tax outcome and the income picture a lender sees across the assessment years. Timing these with the borrowing horizon in mind avoids a clean tax result that quietly weakens a near-term application.
Company financials as lending evidence
For a Pty Ltd director, the financial statements and tax returns are the lending evidence. Clean, current, internally consistent financials are easier to assess than a messy or stale set — so the compliance work and the lending work reinforce each other when the same practitioner prepares both.
Add-backs done correctly
Depreciation, one-off costs, interest and certain non-cash items can sometimes be added back to lift assessable income for serviceability — but only where the figures are real and supportable. Knowing the financials line by line is what lets those add-backs be presented accurately rather than optimistically.
Commercial vs personal borrowing
A Norwest business buying premises, refinancing a commercial facility or financing equipment is assessed on business cashflow; the director’s home loan is assessed on personal income. Both draw on the same company. Seeing them together stops one decision from crowding out the other.
Structure changes with lending in view
Where an outgrown sole-trader ABN or a drifted structure needs a rollover into a Pty Ltd or company-trust pair, the transition is scoped with the CGT, stamp-duty and GST consequences quantified — and with any planned borrowing kept in view so the new structure does not surprise a future lender.
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.
How a combined engagement runs
From scoping call to a coordinated position.
Scoping call
A short call to understand the business, the structure, the year-end position and any lending decision on the horizon. We confirm which side — accounting, lending, or both — each scope covers.
Get the numbers clean
Company financials and the tax position are brought current and consistent. For Norwest directors this is both the compliance deliverable and the evidence any lender will read.
Model the trade-off
Where a lending decision is live, the director-pay and distribution choices are modelled against the serviceability picture so the tax result and the borrowing result are weighed together.
Coordinate and lodge
The chosen position is implemented across both sides — returns and BAS lodged on the accounting side, the lending application scoped and prepared on the broker side, with fees confirmed in writing on each.
Each side is scoped and priced on its own. You can engage the accounting side alone, the lending side alone, or both — the coordination is the value when both are live, not a condition of working together.
How we are paid
Transparent on remuneration, both sides.
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 engagement is billed separately, on its own scope and fee, regardless of any lending. Where both sides are engaged, you receive a clear picture of which fees apply on each before you commit. Nothing about how the broker side is remunerated changes the advice given on the accounting side.
Office
15 Forest Close, Cherrybrook NSW 2126
By appointment. Around 12–15 minutes from the Norwest business park via Old Castle Hill Road and the M2. On-site visits to Norwest premises by arrangement.
Registrations
TPB 25523469
Chartered Accountant and registered Tax Agent. Chartered Accountants Australia and New Zealand (CA ANZ) member 266544. Credit Representative 565110 under Loans Only Pty Ltd (ACL 561324).
Phone
Frequently asked questions
Norwest — combined practice questions.
It means the same practitioner who prepares your company financial statements and the CTR is also the Credit Representative who scopes any home, investment-property or commercial lending decision. For a Pty Ltd founder-operator at Norwest, the figure that drives your company tax — director salary, dividends, retained profit — is the same figure a lender reads as your serviceable income. When both sides are scoped together, the director-pay decision and the borrowing decision are weighed against each other rather than in two separate rooms. This is general information about how the engagement is structured, not personal tax or credit advice.
Explore
Pick the entry point that fits
Same practitioner, same Cherrybrook office, both sides of a Norwest director's finances scoped together. Choose where you want to start.
- Local
Norwest (local page)
The Norwest SME local page with office and service detail.
- Tax & Accounting
Business tax accountant
Company returns, BAS and director tax for Pty Ltd businesses.
- Business Services
Business owner accounting & lending
Company tax and personal lending scoped together for directors.
- Mortgage Broking
Business owner home loans
Home loans for Pty Ltd company directors — company financials and director pay.
- Mortgage Broking
Commercial lending
Owner-occupied premises, commercial investment and equipment finance.
- Local
Hills District — combined
The same proposition for the wider Hills corridor.