Eternity Group

How we work

How One Roof Actually Works

A single practitioner — Chartered Accountant, registered Tax Agent and Credit Representative — scopes your accounting, tax and lending position in one conversation. Here is the engagement, step by step.

Book a Discovery CallAbout Rohan
  • Individuals
  • Business owners
  • Property investors
  • Self-employed

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 principle

One practitioner, both sides of the picture.

The defensible idea behind Eternity Group is structural: the same person who prepares your tax return is the broker who arranges your finance. Decisions on each side are made with full knowledge of the other.

Designed together, not stitched together

Tax and lending decisions are made by the same practitioner, in the same conversation. No information gaps between professionals.

Documented before you sign

Engagement scope, fees, timelines and credit-proposal disclosure all in writing before any work starts. No surprises.

Compliance-first

Registered Tax Agent obligations under the TPB Code, Credit Representative obligations under the ACL, and AFCA membership — built into the engagement, not bolted on.

The engagement

Six steps — from first call to ongoing relationship.

A predictable, document-driven sequence. You always know what is next.

Discovery

A 20-minute scoping call. We listen to what you are trying to do — buy a property, restructure a business, get a return prepared properly, refinance, set up an SMSF — and confirm whether we are the right fit before any engagement letter is signed.

Accounting & tax review

We review your current tax position: entities, income sources, deductions, prior-year returns, ATO lodgement status, and any open items. The output is a clear picture of where you stand and what the tax implications of your next move actually are.

Lending review

In the same conversation, we review your borrowing position: serviceability, deposit, equity, existing facilities, structure and lender appetite. Because the same person sees both sides, the lending plan never contradicts the tax plan.

Integrated recommendation

We document a recommendation that covers both sides — the right entity, the right return, the right loan product, the right timing — written down so you can take it away, think about it, and ask questions before signing anything.

Implementation

Returns prepared and lodged. Loans submitted and tracked through to settlement. Structures set up. Engagement and credit-proposal disclosure documents provided in writing before any application is submitted.

Ongoing relationship

Annual tax review, BAS quarters, loan health checks, refinance opportunities and structure changes as your situation evolves. One file, one practitioner, no information gaps between professionals.

Frequently asked questions

Common questions about working with us.

No. Many clients use only the accounting side or only the lending side. The One Roof advantage applies when both sides are in play — a property purchase, a restructure, a refinance with negative gearing implications — but neither service is conditional on the other.

Explore

Where to go next

The process applies across every service. Pick the entry point that fits where you are.