Accountant & Mortgage Broker — Dural

The Cherrybrook office is around 12–15 minutes from Dural via New Line Road or Old Northern Road. Dural engagements run as a mix of phone, video, secure document upload and in-person meetings when you want them. Cherrybrook is our sole physical office; we do not operate a Dural premises.

Dural is the rural-residential edge of the Hills — larger lots and acreage along Old Northern Road and the surrounding lanes, rather than the suburban density of Castle Hill or Norwest. The client mix skews to acreage owner-occupiers, families running a business from the property, tradespeople and operators with plant and equipment, and longer-tenured households with substantial equity in land.

Often, yes. Larger land sizes and rural-residential zoning can change how lenders assess a property — some apply land-size limits, treat properties above a certain area as "rural" rather than residential, or take a more conservative view on valuation and LVR. Where part of the land is used for a business, that can matter too. The right lender shortlist for a Dural property therefore depends on the land size, zoning and use — which we confirm with the lender before any formal application. Lending is subject to lender assessment and criteria.

Running a business from an acreage property raises both tax and lending questions that are better handled together. On the tax side: business-use apportionment, the treatment of sheds and outbuildings, vehicle and equipment deductions, and the capital-gains position if part of the property is used for business — all general and dependent on your circumstances. On the lending side: how income from the business is evidenced and how the property is classified. Having one practitioner across both keeps those threads aligned.

It depends on the facts, and the distinction matters. The ATO looks at indicators such as the scale and repetition of the activity, whether it is run in a businesslike way with records and an intention to profit, and its commercial character — not just whether money changes hands. If it is a hobby, the income is generally not assessable and the costs are not deductible; if it is a business, income is declared, deductions may be available, and loss and GST-registration questions follow. Around Dural this comes up constantly with agistment, small-scale growing and produce sales, so we treat the classification as a first-order question rather than an afterthought. This is general information, not advice on your circumstances.

On the lending side, yes — construction and renovation borrowing on larger lots is a familiar Dural scenario, though lender appetite varies with land size, zoning and the nature of the build, and any lending is subject to lender assessment and criteria. On the tax side, a secondary dwelling that earns rent brings the rental income and deduction position into your return, and can affect the main-residence capital-gains treatment of the property later. Because both threads run through one practitioner here, the build, the loan and the tax consequences get scoped together before you commit.

Hills District is the regional pillar and Cherrybrook is the office suburb. Dural is the distinct rural-residential pocket — acreage, business-on-property and equity-rich land owners — so the engagement profile leans more to property-classification, business-use apportionment and equity questions than the suburban-density suburbs do.

A 20-minute scoping call is usually available within 2–3 business days. Full engagements — tax returns, advisory onboarding, loan applications — have their own lead times, which we confirm in writing at engagement.