Your accountant and mortgage broker.
In one conversation.

Yes. Accounting and credit assistance are separate, regulated activities, and one person can be authorised for both. Rohan Manokaran is a Chartered Accountant and registered Tax Agent (TPB 25523469) and a Credit Representative (565110) under Australian Credit Licence 561324, held by Loans Only Pty Ltd. You work with one practitioner across both.

Your tax position and your loan application read each other — add-backs, distributions and deductions all shape serviceability. When the same practitioner sees both, your numbers are presented consistently rather than pieced together across two offices. It is a coordination benefit, not a guarantee of any particular tax or lending outcome.

It can. How you are paid, whether you trade through a company or trust, and how distributions are timed all influence the income a lender reads for serviceability. The right approach depends on your circumstances. Information here is general only; we scope your specific position inside an engagement before giving personal advice.

In most residential lending scenarios, the lender pays broker commission. If a borrower-paid fee applies, it will be disclosed in writing before you proceed, including in any required Credit Quote or credit disclosure document. Our remuneration, lender panel and any conflicts of interest are explained in our Credit Guide.

Yes. We regularly assist sole traders, company directors and trust beneficiaries whose lending depends on how the return is prepared and read, and property investors weighing a purchase against their tax position. Eligibility, lender criteria, fees and charges apply, and outcomes depend on lender assessment.

No. Accounting and credit assistance are engaged separately — a written engagement letter for tax and accounting work, and the required credit documents for lending work. Plenty of clients start with one side only. Using us for your tax return never obliges you to run your lending through us, and the reverse is equally true.

The scoping call itself carries no obligation to proceed. Any accounting fees are confirmed in a written engagement letter before work begins, so you see the cost before committing. On the lending side, in most residential lending scenarios the lender pays broker commission; any borrower-paid fee is disclosed in writing before you proceed.

Each side answers to its own regulator. Tax agent services are regulated by the Tax Practitioners Board (registration 25523469); credit assistance is provided under Australian Credit Licence 561324, held by Loans Only Pty Ltd. For credit disputes we are a member of AFCA — member numbers 111743 (individual) and 111742 (company). The two businesses are separate entities: Eternity Group Accountants (ABN 32 447 507 241) and Eternity Mortgage Solutions (ABN 93 534 988 670).

We are based at 15 Forest Close, Cherrybrook NSW 2126, serving the Hills District and greater Sydney. Most work is handled by phone, email and video, with in-person meetings at our Cherrybrook office. We have one office and do not operate separate branches in other suburbs.