I can refer you to other professionals to ensure all your financial needs are addressed.

I have provided information below for the following services:

• Accounting

• Mortgage Broking

• Estate Planning

For more information about these services, call 9372 7955 or click on Contact Me.

Accounting

What is accounting?

Accounting aims is to provide clients with a tax return that establishes the lowest possible tax legally payable and is accurate.

What accounting services are available?

• Individual tax returns

• Business tax returns

• Business accounting

• Small business advice

• Business appraisals

• Bookkeeping assistance

• GST & BAS Returns

• Self Managed Superannuation Fund or SMSF accounting

• Company & Trust formation

Mortgage Broking 

Using a Mortgage Broker

If you are buying a home, the fastest way to get an understanding of how the lending market works, what is available and typically what suits your situation, is to talk to a good mortgage broker. By combining professional expertise with access to many different lenders and hundreds of home loan products, a broker provides you with an efficient and cost-effective method of reviewing, negotiating and organising your home loan options.

Why use a mortgage broker instead of going directly to a lender?

It's all about options. When you apply for a home loan with a mortgage broker you are effectively applying for a loan with all the lenders the mortgage broker works with. If you only applied to one lender, you may be lucky and get the same match, but you would certainly never have been able to consider the same range of options.

What is a mortgage broker's role?

Money is a commodity. The cheaper you rent it and the harder you make it work, the better off you will be. Whether you pay a high interest rate or a low interest rate, money still works in exactly the same way. A mortgage broker's job is to get you the cheapest possible deal, with the right features, which has the closest match to your personal financial situation from their panel of banks and major lenders. First to help you find the right deal, then see it through to settlement with you - helping you with everything you need along the way.

How can mortgage brokers not charge for their service?

For residential home loans, it typically costs nothing for a mortgage broker's service and they will see you by appointment in your home or office. They work on a 'contingency basis' and are only paid by the lender when the home loan settles. The interest rate you pay on a loan is generally the same as if you had gone to that lender yourself. (It is not affected by how much the lender pays the broker for your business.)

Can a broker help me negotiate with my own bank or lender?

Most definitely. Firstly, it is usually better to get someone to negotiate for you if you aren't comfortable negotiating yourself. Secondly, and most importantly, your mortgage broker is also armed with the knowledge of a fair swag of your lender's competitor offerings. That is an important advantage when the lender knows your broker's job is to work to get you the best rate and deal they can. It is entirely possible that a broker can help you get a better deal, even with your current lender.

What mortgage broking services are available?

• Home & investment loans 

• Construction loans

• Commercial & business loans 

• Development finance 

• Vehicle & equipment finance

• Mortgage protection insurance

Home loan calculators

Click on home loan calculators to be taken to the St.George website which has various home loan calculators.

Estate Planning 

What is estate planning?

Estate planning is a process designed to help protect the wealth you have built over your lifetime so that it is distributed smoothly according to your wishes. More than just a will, an estate plan also takes into account your superannuation and powers of attorney as well as assets held solely in your name or jointly with others, or assets held in private companies or trusts.

Who needs estate planning?

If you own anything or have people who rely on you it is a good idea to have an estate plan. The more complicated your personal and financial affairs, the more important it is. You should also review your estate plan at least once every three years and whenever your circumstances change, such as:

• Getting married, living with a partner, separating or getting divorced

• As soon as you have children or step-children

• Buying real estate or other valuable assets

• Buying, selling or operating a business

• If you have superannuation (super may not be covered by your will)

• If you have family members with special needs or children who are vulnerable

• If you set up a family trust or company

What estate planning services are available?

• Simple and complex wills

• Estate planning

• Powers of attorney

• Estate administration

• Trustee services

• Executorial services