News & Articles
Whether you’re looking to stay ahead of tax updates, seeking strategic advice to propel your business forward, or exploring financial best practices for your investment property, our curated content is designed to empower and inform. Dive into our comprehensive collection of articles and equip yourself with the knowledge to navigate the financial landscape with confidence.
How Labor’s 2025 Tax Plan Impacts You
With a renewed and stronger mandate following the May 3, 2025 federal election, the Anthony Albanese-led Labor government is set to continue reshaping Australia’s tax landscape. Their focus remains on delivering cost-of-living relief, boosting fairness in the system,...
How Trump’s Trade Tariffs Could Affect Australia
Protectionist policies like those introduced by Donald Trump could have significant negative impacts on smaller, trade-dependent economies like Australia. Our economy thrives on exporting natural resources such as iron ore and gas—exports that played a crucial role in...
Property Investment Strategies to Grow Your Business
Investing in property can do more than just build wealth—it can also strengthen your business. When done strategically, property investments can reduce costs, provide stability, and create long-term financial security. Whether you’re looking to expand, increase...
Property Investors Trust: A Smart Way to Safeguard Your Assets
For property investors, protecting assets is just as important as growing them. With the right structure in place, you can shield your real estate investments from legal and financial risks while maximising tax benefits. One of the most effective structures for asset...
2025 Federal Budget: Key Updates & What They Mean for You
The 2025 Federal Budget introduces key financial updates aimed at easing cost-of-living pressures, adjusting tax settings, and refining superannuation rules. These changes may impact your income, savings, and retirement strategy. Here’s a breakdown of the major...
Top Strategies for Lowering Your 2025 NSW Land Tax Bill
With the 2025 NSW Land Tax Assessments now arriving, it’s important to check if you’re paying more than you should. Many property owners miss out on exemptions or end up with unexpected charges simply because they don’t understand the rules. Here are some key factors...
NSW Business Owners: Apply for $1,000 SafeWork Rebate
If you're a small business owner in NSW, you might be eligible for the $1,000 SafeWork Small Business Rebate. This government program helps businesses, sole traders, charities, and not-for-profits improve workplace safety by covering the cost of certain safety...
What to Do When an Employee Leaves
When an employee or independent contractor stops working for your business, your obligations don’t end immediately. You may need to process final payments, report them correctly to the Australian Taxation Office (ATO), and ensure compliance with superannuation and...
Division 7A Myths Debunked: What the ATO Wants You to Know
Division 7A of the Income Tax Assessment Act 1936 is often misunderstood by business owners. Many believe they can withdraw company money or provide financial benefits to shareholders without tax consequences. However, the Australian Taxation Office (ATO) has clear...
NFP Self-Review Return: Does Your Not-for-Profit Need to Lodge?
If your organisation is a non-charitable not-for-profit (NFP) with an active ABN, there’s a new requirement you need to know about. Starting from the 2023–24 financial year, these NFPs must lodge an annual NFP self-review return to confirm their eligibility for income...
How the 2025 RBA Rate Cut Impacts Your Mortgage Repayments
If you’re like millions of Australians, you’re probably relieved after getting a break from the Reserve Bank of Australia (RBA) following consistent interest rate hikes since April 2022. The good news? Most banks have agreed to pass on the 0.25% rate reduction,...
2025 ATO Compliance for Employers
As we find ourselves more than halfway through 2025, it is vital for business owners to remain vigilant regarding their employer responsibilities to prevent penalties and maintain smooth operations. Several upcoming changes and deadlines could have an impact on your...
Tips to Protect Your Personal Assets from Business Lawsuits
As a business owner, protecting your personal assets from potential lawsuits is crucial to maintaining your financial security. The Australian Taxation Office (ATO) provides clear guidelines on how you can safeguard your wealth. In this article, we will explore seven...
Understanding Tax Rules on Business Losses for Sole Traders
What is a Non-Commercial Loss? The tax provision for a non-commercial business loss was designed to address a sole trader’s, or a partner in a partnership’s, loss from a secondary business that isn’t the person’s main source of income. Generally, these losses...
9 Holiday Cashflow Tips for Small Businesses
The holiday season can be a boom for small businesses, but it also brings cash flow challenges. With increased demand, you'll need to manage expenses for inventory, staffing, and more. Here are some key tips to help you maintain a healthy cash flow during this busy...
When Are Employers Required to Pay Super?
Superannuation (super) is a crucial aspect of financial security for employees in Australia. It ensures that workers have a safety net for their retirement, helping them maintain a comfortable lifestyle when they stop working. As an employer, it is your responsibility...
Guide to Christmas Party Tax Deductions for Small Businesses
As the holiday season approaches, many small business owners begin organising their Christmas parties to celebrate with their teams. But while the festive spirit is in the air, it’s important to consider the tax implications of your celebration. In Australia, hosting...
2024 Tax Guide for IT Professionals
With work-related expense claims high on the ATO radar, the Australian Taxation Office is stepping up to help and provide advice for taxpayers who aren’t quite sure what they can and cannot claim. The ATO have already flagged that over claiming of deductions is a big...
Common Tax Deductions for Tradies
As a tradesperson—whether you’re an electrician, carpenter, plumber, mechanic, or in any other trade—understanding your eligible work-related deductions is crucial for reducing your taxable income. Tradies can claim deductions for tools, vehicle expenses, protective...
Understanding Fringe Benefits Tax (FBT) for Employers
What is Fringe Benefits Tax (FBT)? Fringe Benefits Tax (FBT) is a tax that you, as an employer in Australia, must pay when you provide certain benefits to your employees or their associates, such as family members. These benefits, known as "fringe benefits," are...
Essential Guide to Single Touch Payroll Phase 2 for Small Businesses
What is Single Touch Payroll (STP)? If you're an employer in Australia, you might have heard of Single Touch Payroll (STP). Single Touch Payroll is a system introduced by the Australian Government to make payroll reporting easier and more efficient for business...
Cash Flow Strategies for Small Businesses
Cash flow is the lifeblood of any business, especially for small businesses where financial margins are often tight. Effective cash flow management is crucial to ensuring that your business can meet its financial obligations, invest in growth, and ultimately succeed....
Guide to GST for Non-Resident Businesses in Australia
In Australia, the Goods and Services Tax (GST) is a broad-based tax of 10% on most goods, services, and other items sold or consumed. If you're a non-resident business supplying goods or services to Australia, it's crucial to understand your GST obligations to stay...
Does Your Small Business Need to Lodge a TPAR?
What is TPAR? The Taxable Payments Annual Report (TPAR) is a report that certain businesses in Australia must lodge with the Australian Taxation Office (ATO). The TPAR is used to report payments made to contractors for services they provide. This requirement aims to...
Small Business Owners and Property Investors Trust “PIT™”
If you are a Small Business owner then you should seriously consider purchasing your residential or commercial investment property in a Property Investors Trust. Some of the questions you may be asking: What is the best entity to own a property in? There are many...
Fixed vs Variable Mortgage Rates – What should I do?
Now more than ever, the question of fixed rates versus variable rates has become a hot topic of conversation. So how do you decide whether to your fix your home loan or not? Whether you are embarking on a new journey of property ownership with a new mortgage, or...
Why SMSF to Invest in Property
Recently, the government has proposed higher taxes on Superfunds and limitations on the amounts allowed to be held in a SMSF. In my opinion, this would be a serious long-term mistake, as it may discourage people from becoming self-sufficient and force them to rely on...
Why invest in property in Australia? Leverage and size matter.
As we bid farewell to a challenging 2022 and step into the new year, it appears that difficulties may persist for some time to come. But amidst the struggles, there are opportunities to be found. For example, the rise in interest rates has led to a decrease in...
Refinancing your home loan – Is the cash back offer worth it?
Unprecedented levels of interest rate increases have led to a declining lending market for banks and other lenders. So, what do you do as a business that is struggling to bring in new customers? You offer incentives of course. But are these incentives worthwhile to us...
Should I invest in a House or Apartment?
Property Investors have always asked the age-old question: House or Apartment, which is the better investment? Let’s take a closer look. Capital Growth Land is the most valuable asset and a rare commodity. If you own a substantial plot of land in a highly...
PROPERTY INVESTORS ALERT
PROPERTY INVESTMENT ALERTS | House Prices Falling as Interest Rates continue Jump so is the time right for property investors to invest.
How to deal with interest rate rises | Chan & Naylor
Whether it’s a mortgage against the house you live in or the money you borrowed to acquire your first/second/tenth investment property, you’re probably starting to wonder, “when will my interest rate stop going up???” Unfortunately, I don’t have the answer, but it...
What to do when your fixed rate interest period ends
Fixed interest terms on home loans don’t last forever, so it’s inevitable that you’ll have to decide what to do when yours ends. Do you want to opt for another fixed term? Switch to a variable interest rate? How about a split rate home loan? If your fixed term is...
Should you buy property now or later
After the Reserve Bank raised the cash rate for the first time in a decade, everyone who has an interest in property is now wondering what happens next? Will the housing market crash? Will inflation create a recession? Should I buy a property now? Above all, the key...
How to prepare for a rise in interest rates
There is no way to accurately predict when interest rates will rise, but there are signs that a hike may be coming as soon as August 2022. The question on every homeowner, property investor and first home buyers mind are: When will official interest rates rise and...
A Guide To Buying an Investment Property
Buying an investment property can be an effective strategy for building wealth and securing your future. It can help improve cash flow, offers tax benefits and is seen as more stable than other investments. Many Australians don't take the first step towards purchasing...
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Franking Credits: How does it function and who profits?
Franking refers to tax credits, and the process that eliminates or reduces the taxation of cash payouts to its shareholders is referred to as dividend imputation. The tax credits are beneficial to individuals on high tax rates and to individuals on lower tax rates, as...
The Advantages of Unfranked Dividends
What are Dividends? Dividends are a significant component of investment returns, representing a portion of a company's earnings distributed to its shareholders. They provide a steady income stream and are a crucial factor in assessing the overall profitability and...
What is a Franked Dividend versus an Unfranked Dividend?
Dividends are sums of money paid regularly (ideally on a quarterly basis) by a company to its shareholders out of their profits. But do you know that there are 2 types of dividends? What is a Franked Dividend versus an Unfranked Dividend? Here are 2 types of...
Do You Have to Pay Tax on Lottery Winnings?
Ever wondered if you have to pay tax on lottery winnings? Well, guess what, if you win tomorrow’s mind-blowing $100M Powerball draw, you can have all the winnings to yourself! Yay! According to the Australian Taxation Office (ATO), if you win in prize draws, raffles,...
JobMaker Hiring Credit | 2020-21 – How you can apply
JobMaker 2020-21 | Does your business qualify? On 6 October 2020 as part of the 2020–21 Federal Budget, the Morrison Government announced a new incentive for businesses to employ additional young job seekers called the JobMaker Hiring Credit. The JobMaker Hiring...
COVID-19 – Post-recession: How house prices will rise in the next 5 years
COVID-19 - Post-recession: How house prices will rise in the next 5 years Real estate investment has proven its resilience once again as prices have risen over the past 12 months and forecasts point to further strengthening, the Property Investment Professionals of...
How to save $17,000 on your mortgage – It’s time to talk to your lender!
Australians who are on older loans & mortgages, are being advised that simply switching to a better rate could see them pocket thousands of dollars over the life of a loan. A report collated by the Australian Competition and Consumer Commission (ACCC) found that,...
Are you Thinking about Building a New Investment Property?
Are you thinking about building a new investment property? With the numbers proving that new properties hold the most depreciation deductions, building new is a popular choice. Understanding construction costs can provide a ballpark figure of what to expect when...
This Renovation Tip can Save you Thousands
This renovation tip can save you thousands Renovating an investment property is different to renovating your own home. Whether the renovation is big or small, you will be taking a head over heart approach and doing what will help you improve your return on investment....
Perth Property Outlook 2020
The Perth Property Market Outlook - Update It’s been a unique year for Perth’s property market as WA has navigated the impacts of COVID-19. While garnering national attention in early 2020 when four consecutive months of price growth indicated the progression of...
NSW Discretionary Trusts: Surcharge Land Tax & Purchaser Duty for Foreign Beneficiaries
Recently enacted changes to purchaser duties and land tax arrangements will expand surcharges for trusts which include foreign persons as beneficiaries. Legislation passed to amend the Land Tax Act 1956 (NSW) and the Duties Act 1997 (NSW) provides that if a trust has...
Absentee Owner Surcharges | Duties Act 2000 (Victoria)
Absentee Owner Surcharges | Duties Act 2000 (Victoria) From the 2020 land tax year, an absentee owner surcharge of 2% applies to Victorian land owned by an absentee owner. The surcharge was 1.5% from 1 January 2017 and 0.5% for the 2016 land tax year. The absentee...
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