From 1 July 2023, access to the Government’s Home Guarantee Scheme will be
expanded to joint applications from “friends, siblings, and other family members” and to those who have not owned a home for at least 10
years.
The eligibility criteria for access to the First Home Guarantee Scheme and Regional First Home Buyers Scheme will be expanded. From 1 July 2023, the schemes will no longer be limited to individuals and couples who are married or in de facto relationships, but will also include eligible friends, siblings, and other family members for joint applications.
In addition, the requirement for the applicants to be Australian citizens at the time they enter the loan has been extended to include
permanent residents.
The schemes guarantee part of a first home owner’s home loan enabling them to purchase a home with as little as 5%
deposit without paying Lenders Mortgage Insurance. Guarantees are capped at 15% of the value of the property.
Thirty five thousand places are available for the First Home Guarantee Scheme each financial year. From 1 October 2022 there will be ten
thousand places available each financial year until 30 June 2025 for the Regional First Home Buyers Scheme.
Eligibility to the Family Home Guarantee will also be extended. From 1 July 2025, the scheme will no longer be restricted to single parents
with at least one dependant natural or adopted child, but will also be available to borrowers who are single legal guardians of dependent
children such as aunts, uncles and grandparents.
The Family Home Guarantee guarantees the home loan of an eligible single parent with at least one dependent child enabling them to purchase a
home with as little as 2% deposit without paying Lenders Mortgage Insurance.
The guarantee is capped at 15% of the value of the property. Five thousand places are available to the scheme each year to 30 June 2025.
We'd love to help you experience life with greater choice.
MP SHIRE SMALL BUSINESS FESTIVAL / LIVE WORKSHOP
Friday 31 August, 4:00pm-6:00pm
Join our practical,
educational workshop designed to help business owners understand the lending process and in preparation for funding conversations, learn how lending decisions are really made and what banks actually look for.
MP SHIRE SMALL BUSINESS FESTIVAL / LIVE WORKSHOP
Tuesday 25 August, 10:00am-12:00pm
This practical, confidence-building session is designed to give business owners control. Know Your Numbers is a hands-on workshop created specifically for non-financial business owners who want clarity and confidence in their decision-making.
MP SHIRE SMALL BUSINESS FESTIVAL / LIVE WORKSHOP
Monday 24 August, 5:30-7:30pm
This practical, education-first session helps business owners cut through the confusion and take back control of their business insurance
decisions.
MP SHIRE SMALL BUSINESS FESTIVAL / LIVE WORKSHOP
Monday 10 August, 5:30-7:30pm
This practical session, in collaboration with the Mornington Peninsula Shire as part of the Small Business Festival, helps small business
owners understand AI and automation and shows how small businesses can use smarter tools to reduce manual work, improve accuracy and
create more capacity for growth.
Conference // 5 August, 2026 - ALL DAY EVENT
The B.I.T.E. Business Conference 2026 is the Mornington Peninsula’s premier event for bold business owners ready to rethink what’s
possible, reinvent how they operate, and reignite their growth. Hear from global keynote speakers including Grant Hackett, Andrew Griffiths
and Kate Christie plus local business innovators.
AI-Enhanced Automation for Accounting and Finance Professionals: Leveraging ChatGPT, Copilot & Claude for Innovation and
Productivity.
Join SkyBots’ 2-day Workshop in MELBOURNE with automation expert Daryl Aw to revolutionise your workflow using cutting-edge
Agentic AI tools including Chat GPT, Claude, CoPilot and Gemini. This workshop is built for accountants,
bookkeepers, finance teams, and business owners who want to move beyond basic prompts and turn AI into a reliable, ethical, and practical
system for everyday work.
AI-Enhanced Automation for Accounting and Finance Professionals: Leveraging ChatGPT, Copilot & Claude for Innovation and
Productivity.
Join SkyBots’ 2-day Workshop in BRISBANE with automation expert Daryl Aw to revolutionise your workflow using cutting-edge Agentic
AI tools including Chat GPT, Claude, CoPilot and Gemini. This workshop is built for accountants, bookkeepers, finance teams,
and business owners who want to move beyond basic prompts and turn AI into a reliable, ethical, and practical system for everyday work.
Business Growth brings its own financial pressures, and cash flow is often where those pressures first show up. It’s a pattern that catches many business owners off guard.
| The Fair Work Commission (FWC) has handed down its 2026 Annual Wage Review, and the numbers are in. From 1 July 2026, the national minimum wage will rise by 5.97%, and modern award minimum rates will increase by 4.75%. |
The luxury residential sector is experiencing uneven performance across Australia's major cities.
WEBINAR // 28 May, 2026 - 12:30 - 1:15pm
From 1 July 2026, Australian employers must pay super on payday - not quarterly. Join us on Wednesday 28 May for a practical 45-minute briefing on what Payday Super actually requires, where the risks are for small businesses, and the steps you can take right now.
Can’t make it live? Register anyway - all registrations will receive access to the recording to your inbox.
Rental performance is increasingly fragmented across the country.
Consumer habits have shifted markedly, with daily convenience trips now replacing the traditional big-shop model, turning neighbourhood and convenience centres.
Australian farmland prices are expected to continue their modest growth trajectory in 2026, with the median price per hectare forecast to increase by two per cent.
Lunch & Learn Workshop // 22 May, 2026 - 12:00 - 1:30pm
$35pp includes lunch
This session is designed to change that. Pricing, Profit &
Your Ideal Client
is a practical workshop that helps you understand where your
profit really comes from,
how pricing decisions affect margins, and why working with clients that align with your business makes a measurable difference to both
profit and cashflow.
Buy now, pay later can be cost-effective if you pay on time.
Institutional capital is flowing back into Australian commercial property as market fundamentals strengthen, with experienced investors moving ahead of broader market confidence.
Now's the time to review what strategies you can use to minimise your tax before 30 June.
Making strategic investments in new assets before EOFY can position your business for growth in the year ahead.
The Federal Budget, delivered on the night of May 12 2026, was one of the most significant in years. We know you will have questions — and we have put together this document to answer the ones we are hearing most.
The 2026–27 Federal Budget brings major changes to CGT, negative gearing, trusts and super. Find out what it means for you and your business.
This established production business was growing. A diverse team crossing over from admin, trades and operations. The team were all getting on with it, but with no real structure in place, the cracks were starting to show.
Like a lot of growing businesses, revenue looked strong on paper, but timing was the issue. Jobs didn’t always start when expected, expenses were creeping up, and there was no clear visibility on when cash would be coming in versus going out.
This client was a solid, established manufacturing business selling both wholesale and direct to retail customers. They knew their numbers mattered, but their engagement and active management was inconsistent and the lack of rhythm and accountability, impacted their bottom line and decision making.
The ATO has released Draft Practical Compliance Guideline PCG 2026/D2, and it’s very clear where they’re focusing next, property development structures, particularly where land ownership and development activities are split.
New equipment is essential to growth. Whether it’s machinery, vehicles, or specialised technology, the right assets could improve efficiency, increase production, and help secure larger contracts.
What if time wasn’t your biggest constraint – but your biggest opportunity? In this episode of The Accountant That Builds Podcast, we are joined by Kate Christie, internationally recognised time management expert, keynote speaker, and bestselling author. Kate has spent more than two decades helping business owners, leaders and teams take control of their time, energy and priorities.
What does it really take to stop discounting yourself and start charging what you’re truly worth? In this episode of the The Accountant That Builds Podcast, host Shannon Smit sits down with Andrew Griffiths, Australia’s #1 small business author and one of the most respected voices in business and personal growth.
Cash flow is the lifeblood of any business. Even when sales are strong and invoices are being issued regularly, delayed payments could create bottlenecks that make it difficult to cover everyday expenses.
Brisbane and Perth recorded the most affordable office fit-out costs in the country at an average of $934 per square metre.
Industrial property delivered total returns of 8.6 per cent in December 2025, with capital growth of 4.1 per cent, the strongest of any major asset class.
Commercial property markets have returned to positive capital growth after two years of adjustment.
Before applying for a caravan loan, it’s important to understand what you could comfortably afford.
Tax planning is more than just a financial necessity—it's a strategic advantage for businesses of all sizes. By proactively managing your tax strategy, you can significantly reduce your liabilities, enhance cash flow, and ensure full compliance with ever-evolving tax regulations.
A sudden repair bill could feel overwhelming, especially if it arrives at the wrong time financially.
An open home provides a valuable opportunity to observe not just the property itself, but also the surrounding area.
Managing your personal expenses in the face of the rising cost of living. We run through a live demo of our detailed 12-month personal budget worksheet so you know how you can effectively use this tool yourself.
Many first home buyers focus primarily on the purchase price of a property and the size of their loan repayments.
Prestige apartments have been the strongest market segment in the last few years.
National weekly house rents have reached $650 and unit rents $625, with annual growth running at 4.8 per cent for houses and 4.2 per cent for units.
In this episode of The Accountant That Builds, Shannon Smit explores what financial literacy really means and why it matters so much for everyday Australians. She breaks the concept down in practical, real life terms and explains why so many capable, intelligent people still feel confused, overwhelmed, or behind when it comes to money.
To maximise your deductions and ensure that your tax return is complete, please review the following items and advise your Accountant if any apply to you.
Understand what expenses you can claim as a property investor.
Everyone wants to pay less tax, right? To do that you need to know what you can claim… and what you can’t.
Now's the time to review what strategies you can use to minimise your tax before 30 June.
Whether you need to finalise Single Touch Payroll data or produce payment summaries, this checklist will help you navigate the end of year payroll process from start to finish.
Lunch & Learn Workshop // 27 March, 2026 - 12:00 - 1:30pm
$35pp includes lunch
Many business owners are surprised to learn that most businesses don’t fail because they’re unprofitable - they fail because they run
out of cash. This session is designed to change that. Cashflow Essentials is a
practical workshop that shows you how cash really moves through your business, why cash pressure happens, and how to stay in control
- even while you’re growing.
This manufacturing business was growing steadily, but increased demand had created pressure rather than leverage. With roles unclear, systems inconsistently applied, and quality dependent on individuals, the business felt stretched despite strong revenue.
| The Fair Work Commission (FWC) has handed down its 2026 Annual Wage Review, and the numbers are in. From 1 July 2026, the national minimum wage will rise by 5.97%, and modern award minimum rates will increase by 4.75%. |
Now's the time to review what strategies you can use to minimise your tax before 30 June.
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