Guides · General information
Plain-English Guides on Tax, Lending & SMSF
Short, practical explainers from a Chartered Accountant and Credit Representative based in Cherrybrook. These guides are general information only — they do not take your personal circumstances into account and are not personal tax, credit or financial advice. For advice on your situation, book a scoping call.
Tax & business
Tax and business guides.
Australian Tax Brackets
How marginal tax rates and the main offsets work for the current year.
Learn moreBAS Due Dates
Quarterly and monthly BAS lodgement dates and what affects them.
Learn moreCompany vs Trust
How the two structures compare for tax, flexibility and asset protection.
Learn morePrepare for Your Tax Return
What to gather before your return so it is lodged accurately and on time.
Learn moreSole Trader Tax Deductions
Common deductions sole traders can consider — and the records to keep.
Learn moreDepreciation Schedules Explained
How Division 40 and Division 43 depreciation work for investors.
Learn moreHills District Business Tax FAQ
Plain-English answers on GST, BAS, structure, super and records.
Learn moreProperty & SMSF
Property and SMSF guides.
How Negative Gearing Works
What negative gearing is, how it applies under current law, and its limits.
Learn moreProperty Investor Deductions
The deductions a rental property can attract — and how they are evidenced.
Learn moreOffset, Redraw & Tax
How offset and redraw differ, and why the difference matters for deductibility.
Learn moreWhen to Refinance
The triggers worth reviewing before deciding whether a refinance helps.
Learn moreHow an SMSF Buys Property
How a limited recourse borrowing arrangement (LRBA) is structured.
Learn moreSMSF Property Rules
The key compliance rules trustees need to understand before buying.
Learn moreBorrowing & lending
Borrowing and lending guides.
Mortgage Broker vs Bank
How using a broker differs from going direct to a single lender.
Learn moreSelf-Employed Borrowing Capacity
How lenders read self-employed income for serviceability.
Learn moreSelf-Employed Home Loan Documents
The documents a self-employed borrower is typically asked to provide.
Learn moreTax Returns & Home Loans
How your lodged returns shape what a lender will assess.
Learn moreTrust & Company Borrower Documents
The evidence lenders ask for when borrowing through a structure.
Learn moreCredit Representative Explained
What a credit representative is and who holds the licence.
Learn moreOne roof
Accountant and mortgage broker, explained.
General advice warning: The information provided on this website is general in nature and does not constitute personal financial advice. Before making any financial decisions, you should consider your own circumstances and seek professional advice.
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Guides are general information. For advice on your circumstances, book a 20-minute call before any engagement letter.