Accountant & Mortgage Broker Norwest

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.

The Norwest local page is the general SME entry for the business park — office detail, how meetings run, the full service list and the broad client profile. This page is the head-term, dual-service entry written for the Pty Ltd founder-operator who has a company tax decision AND a personal or commercial lending decision in front of them at the same time. Same office, same practitioner; this page leads with the interaction between the two sides rather than the office and service catalogue.

It can, and it is the single most common tension we see with Norwest directors. A tax-efficient pay structure that minimises personal income can also minimise the income a lender will assess. Some lenders look only at director wages plus declared dividends; others will add back retained company profit where you control the company and the financials support it. The right answer depends on the lender, the loan purpose and the facts of your business — which is exactly why scoping the company tax position and the lending position together, before lodging anything, tends to produce a cleaner outcome than deciding them six months apart. Eligibility, lender criteria, fees and charges apply, and outcomes depend on the lender's assessment.

Owner-occupier premises (rarer at Norwest given the leased-suite model that dominates the park), commercial investment property, commercial refinances and equipment or asset finance. These are scoped against business cashflow and the company financials rather than residential serviceability. Where a Norwest business is buying its premises or refinancing a commercial facility, the lending sits alongside the company tax position so the two are visible together. Lender criteria, fees and charges apply and any outcome depends on the lender's assessment of the application.

In most residential lending scenarios, the lender pays broker commission. We explain remuneration in our Credit Guide. The accounting and tax engagement is billed separately on its own scope and fee. We tell you which fees apply on each side before you commit to anything.

No. Plenty of Norwest clients engage only the accounting side — company tax, BAS, virtual CFO — or only the lending side. The combined proposition exists because, for many founder-operators, the two decisions genuinely interact; but each side stands on its own and is scoped and priced separately.

The office is in Cherrybrook, roughly 12–15 minutes from the Norwest business park via Old Castle Hill Road and the M2. Engagements run as a mix of in-person meetings at Cherrybrook, on-site visits to your Norwest premises by arrangement, phone, video and secure document upload. A short scoping call is usually available within a few business days.