Salary Sacrificing To Super

Salary Sacrificing: A tax effective way to make super contributions Making voluntary super contributions is a great way to build up your superannuation into retirement, and it could also reduce the amount of tax you pay. Salary sacrifice is an arrangement between you and your employer with your employer paying some of your pre-tax salary […]

Making Superannuation Contributions

By making additional super contributions, you can help boost your superannuation balance prior to retirement while at the same time potentially lowering your marginal tax rate. You can choose whether you want to make concessional or non-concessional contributions, or even a combination of both. How do I maximise my Super balance to plan for a […]

Transition To Retirement (TTR)

Have you been considering retirement, but you’re just not sure where to start or if you can afford to retire?  Your retirement age is not set in stone. Once you’ve met your preservation age, there are a number of options available to you when deciding on your retirement. Understanding where you are financially, both now and […]

Save money by using energy efficient equipment

If the success of your business is reliant on the efficiency of your machinery, you’ll understand the importance of investing in quality equipment. Investing in the markets’ most innovative equipment can lower your operating costs and bring you savings in energy consumption. If you’re thinking about upgrading your equipment, it may qualify as energy efficient. […]

The value in commercial finance broking

A large successful well-established family business for over 50 years was purchasing property for $4.4 million. They had been with their incumbent Bank for as long as they’d been in business. They had no debt and a squeaky-clean record – a model business and client in every aspect. The first conversation with their Bank was […]

2019 Federal Budget Changes

The Federal Budget has made changes to the instant asset write-off for small businesses. The new bill has been passed by parliament, but the changes will only come into play in the 2019 financial year once royal assent has been received. Changes to the Federal Government Tax Break The threshold for tax deduction for assets […]

Importance of having a Finance Partner

Why should you use a Finance Partner? Pacific Finance Australia takes the hard work out of securing finance. Whether it’s for your home or investment property,  an equipment loan for your business or if you’re trying to restructure or consolidate your business’ debt, we make the process as seamless as possible by doing all the […]

The Diverse Shopfitters Journey

History of Diverse Shopfitters Diverse Shopfitters was built from the ground up by John Gullotto in 1986. Even though he was only 19 years old at the time, John’s vision and determination have seen the company grow steadily over the years. It is now home to over 45 full-time employees. What started off as shop […]

Debt – The good & the bad

Debt is a simple fact of everyone’s life – we all have a mix of both the good and the bad kind. Good debt can help you grow your wealth in the future and give you financial stability, while on the other hand, bad debt can only cost you money. Understanding the difference between the […]

Your Broker Behind You

#FindaFairerDeal At Pacific Finance Australia, we take pride in helping you find a fair deal when securing your home or investment property. Even though Kyal and Kara from The Block know exactly what goes into renovating a home when it comes to finding a fair deal they always turn to their Mortgage Broker! Why use […]