Business owners · Cross-cluster
Business Owner Accounting & Lending
For Pty Ltd directors with both a company tax decision and a personal lending decision in front of them. Chartered Accountant and Tax Agent (TPB 25523469); Credit Representative 565110 under ACL 561324 held by Loans Only Pty Ltd. One scoping conversation; one written engagement; both sides of your finances moving in sync.
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.
The business-owner intersection
Two decisions that usually interact.
For a Pty Ltd director, the company tax position and the personal lending position rarely sit independently. Director-pay structure, distribution timing, business debt and the choice to retain or distribute profits all flow through to the personal serviceability picture. Decided together, the trade-offs are visible. Decided separately, they often drift.
A few examples make the intersection concrete. A director planning to pay themselves a higher salary in the lead-up to a home-loan application may improve serviceability — and pay more PAYG tax along the way. The same director planning to distribute fully franked dividends may produce a different serviceability outcome (and a different tax outcome) at a similar cash cost. A director with a business loan held by the Pty Ltd may have that loan included in their personal serviceability assessment at face value, at a notional rate, or excluded — depending on which lender is approached. Retained earnings sitting in the company are treated by some lenders as available income and by others as not.
None of these are tax-only decisions. None are lending-only decisions. The engagement is built so the tax and lending sides are scoped together — one scoping call, one written engagement letter that explains both scopes, one practitioner accountable for both.
Information on this page is general only. Personal tax and credit advice for your specific position is given inside an engagement after your income, structure, existing portfolio and intent are scoped — not on a public page.
Engagement shapes
Six business-owner engagement shapes.
Director buying a first home
Year-end company position and director-pay structure scoped against the home-loan application. Lender shortlist built around the realistic income shape, not a hypothetical one.
Director refinancing
Refinance with rate, structure and equity-release decisions scoped alongside the company tax position. Loan-purpose discipline maintained where equity is released for business or investment use.
Director buying an investment property
Investment loan structured around the personal-vs-trust-vs-company question. Tax position modelled, lender shortlist matched to chosen structure. Both sides locked in before contract.
Owner-occupied commercial premises
Director's business buying its own premises. Commercial lending alongside the company tax decision, GST treatment of the purchase, and the Div 7A discipline of any director loan funding the deposit.
Year-end with lending pending
Pre-30-June planning conversation with a known lending decision in the next 12 months. Director-pay, distribution and prepayment decisions made with the lender's income read in view.
Restructure plus refinance
Where the business structure is being changed — sole-trader-to-Pty-Ltd rollover, company-trust pairing, group restructure — and a personal or commercial refinance is on the table, the sequencing matters. Worked through end-to-end.
How it runs
One scoping call; one written engagement.
01 · Scoping
Tax + lending in one conversation
Company structure, director-pay shape, business debt, personal serviceability picture, target lending and timing — all covered in a single scoping call.
02 · Engagement letter
Both scopes · written
One engagement letter, two scopes laid out clearly. Tax-side deliverables and fees. Lending-side deliverables and Credit Guide disclosures. Signed before work begins.
03 · Documents
Single secure upload
Company financials, BAS, tax returns, bank statements, debt statements and identification — uploaded once, used on both sides of the engagement.
04 · Modelling
Tax × lending modelled together
Director-pay scenarios run against both the tax position and the lender's income read. Indicative figures presented; trade-offs documented. The decision is yours.
05 · Implement
Lodge + apply in sync
Tax-side lodgements and lending-side application progressed in sequence (or in parallel where they do not interact). One point of contact for both.
06 · Annual review
Tax time · trigger events
Annual review at tax time. Mid-year if a refinance, new acquisition, structure change or income shift is on the table.
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 we are paid
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.
Frequently asked questions
Business owner accounting & lending — common questions.
Pty Ltd company directors — typically founder-operators, often with a family discretionary trust holding the company shares — who have both a company tax decision and a personal lending decision in front of them at the same time. The decisions usually interact: how the director is paid affects the personal serviceability position; the timing of distributions affects the income shape the lender will read; the structure of business debt affects how a personal application is assessed.
Related
Where this fits in the bigger picture
The business-owner engagement connects to the company-return service, virtual CFO, commercial lending and the tax-aware-mortgage intersect page.
- Business Services
Business owner accounting & lending (operating)
The day-to-day operating-rhythm view — accounting, BAS, payroll and virtual CFO with access to lending through one practitioner.
- Business Services
Business owner tax & mortgage strategy
The annual planning cadence that sequences tax-planning and lending decisions so the two sides move in step across the year.
- Local
Accountant & mortgage broker — Norwest
The combined proposition for Norwest business owners — company tax and the director's personal or commercial lending scoped together in one engagement.
- Tax & Accounting
Company tax return
The underlying service page — financial statements, the CTR, franking, Div 7A and base-rate-entity treatment.
- Tax & Accounting
Tax planning & strategy
Year-end planning conversation — especially valuable when a lending decision is in the next 12 months.
- Business Services
Virtual CFO & advisory
Monthly management reporting, cashflow forecasting and structured strategic review for growing businesses.
- Mortgage Broking
Commercial lending
Owner-occupied premises, commercial investment, equipment finance and refinances for business owners — scoped against business cashflow.
- Mortgage Broking
Self-Employed Home Loans
The product-side service page for the personal home loan that a Pty Ltd director will usually need.
- Property Investors
Tax-Aware Mortgage Strategy
Loan-structure-led intersect page — for clients whose first focus is loan-purpose discipline and debt recycling.
- Guide
How One Roof works
How the same practitioner runs both the company tax side and the lending side of an engagement.