The Good and Bad of Negative Gearing
The Good and Bad of Negative Gearing Negative gearing is often talked about as either a smart investment strategy or something to be cautious about — depending on who you ask. The truth is, negative gearing has both benefits and drawbacks. Understanding both sides is essential before deciding whether it makes sense for your financial […]
Tips & Tricks: Knowing When It’s Time to Change Your Home Loan
Tips and Tricks to Know When It’s Time to Change Your Home Loan Most homeowners don’t wake up one day and decide to change their home loan. Instead, it’s usually a slow realisation — a feeling that things have moved on, but the loan hasn’t. The good news is you don’t need to overhaul everything […]
Understanding Property Tax Deductions
Understanding Property Tax Deductions Property tax deductions are one of the main reasons many Australians invest in property — but they’re also one of the most misunderstood parts of investing. Understanding what you can (and can’t) claim helps you plan better, avoid mistakes, and make more informed investment decisions. Here’s a clear, practical guide to […]
What can I claim on my investment property?
What Can I Claim on My Investment Property? One of the biggest benefits of owning an investment property is the ability to claim certain expenses at tax time. However, many investors aren’t completely sure what they can claim, what they can’t, and why the distinction matters. Here’s a clear, practical breakdown of what you can […]
10 Tips for your first mortgage
10 Essential Tips for Getting Your First Mortgage Right Buying your first home is an exciting milestone — but securing your first mortgage can feel overwhelming. With so many loan options, features, and lending rules, it’s easy to focus on the wrong things or rush into a decision that doesn’t support your long-term goals. Your […]
How Lenders Assess Cash Flow vs Profit for Self-Employed Borrowers
How Lenders Assess Cash Flow vs Profit for Self-Employed Borrowers Many self-employed borrowers assume strong cash flow automatically means strong borrowing power. However, lenders assess cash flow and profit very differently when reviewing a home loan application. Understanding how lenders assess cash flow versus profit for self-employed borrowers can help you interpret your financials correctly […]
Business Strategic Planning
As a seasoned business advisor, I often emphasize the importance of SWOT analysis in strategic planning. SWOT, which stands for Strengths, Weaknesses, Opportunities, and Threats, is a powerful tool that helps businesses understand their internal and external environments. Here’s an overview of SWOT analysis and why it’s critical for your business.
How do franking credits work?
Understanding Franking Credits in Australia: A Guide for Investors As a tax agent, I often encounter clients who view a large tax refund as a win. However, there are reasons why getting a refund is not always as beneficial as it might seem. Understanding the implications of a tax refund can lead to more effective […]
Tax on Water Rights
In Australia, water rights can be a significant asset for businesses, especially in agriculture and related industries. As an accountant, I assist clients in understanding the tax implications associated with water rights. The taxation of water rights is a specialised area, and it’s important for businesses to understand how these rules apply to them. Here’s […]
Using the Ten Hats in Business
In my experience as an accountant working with various business owners, I’ve observed that managing a business requires wearing multiple hats. This versatility is crucial for success, but it also presents unique challenges. Let’s explore the different roles or ‘hats’ you, as a business owner, might find yourself wearing.