https://truenorthlifestyle.com.au/

True North Lifestyle, Sydney (2026)

14/11/2025

🏠 𝗛𝗲𝗮𝗱𝘀 𝘂𝗽 𝗵𝗼𝗺𝗲𝗼𝘄𝗻𝗲𝗿𝘀 𝗮𝗻𝗱 𝗶𝗻𝘃𝗲𝘀𝘁𝗼𝗿𝘀!
The latest property data shows the national auction clearance rate jumped to 𝟲𝟵.𝟭% in the week ending November 1 - 𝘂𝗽 𝗳𝗿𝗼𝗺 𝟲𝟳.𝟮% the week before.

𝗛𝗲𝗿𝗲’𝘀 𝘄𝗵𝗮𝘁 𝘁𝗵𝗮𝘁 𝗺𝗲𝗮𝗻𝘀 𝗳𝗼𝗿 𝘆𝗼𝘂:
✔️ Strong buyer demand = more competition
✔️ Low listings = less time to decide
✔️ Momentum is live. If you’re considering selling, investing or unlocking equity, now’s the window.

At 𝗧𝗿𝘂𝗲 𝗡𝗼𝗿𝘁𝗵 𝗟𝗶𝗳𝗲𝘀𝘁𝘆𝗹𝗲, we specialise in turning these market moves into your lifestyle advantage.

👉 Want to discuss your next move? Drop us a message or book a chat today.

13/11/2025

🏦 𝗔𝘁𝘁𝗲𝗻𝘁𝗶𝗼𝗻 𝗵𝗼𝗺𝗲𝗼𝘄𝗻𝗲𝗿𝘀, 𝗶𝗻𝘃𝗲𝘀𝘁𝗼𝗿𝘀 & 𝗵𝗶𝗴𝗵-𝗻𝗲𝘁-𝘄𝗼𝗿𝘁𝗵 𝗔𝘂𝘀𝘁𝗿𝗮𝗹𝗶𝗮𝗻𝘀

This week the 𝗥𝗕𝗔 paused - keeping the official cash rate at 𝟯.𝟲𝟬% and signaling that a rate cut in 2025 is unlikely.

𝗪𝗵𝘆 𝘁𝗵𝗶𝘀 𝗺𝗮𝘁𝘁𝗲𝗿𝘀 𝗳𝗼𝗿 𝘆𝗼𝘂:
✔️ The cost of borrowing is likely to stay elevated for longer
✔️ Refinance or super opportunities may need to be quicker than you thought
✔️ Waiting on “now’s the time” could cost more than waiting

At 𝗧𝗿𝘂𝗲 𝗡𝗼𝗿𝘁𝗵 𝗟𝗶𝗳𝗲𝘀𝘁𝘆𝗹𝗲 we specialise in aligning your structure, super and borrowing strategy to your lifestyle goals - even when the macro conditions shift.

👉 Want help navigating this “no-cut” environment? Drop us a message or book a quick chat today.

12/11/2025

🛑 𝗔𝘁𝘁𝗲𝗻𝘁𝗶𝗼𝗻 𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗢𝘄𝗻𝗲𝗿𝘀 & 𝗛𝗶𝗴𝗵-𝗡𝗲𝘁-𝗪𝗼𝗿𝘁𝗵 𝗔𝘂𝘀𝘁𝗿𝗮𝗹𝗶𝗮𝗻𝘀

This week the 𝗔𝗧𝗢 revealed it has committed more than $𝟰𝟮 𝗺𝗶𝗹𝗹𝗶𝗼𝗻 to a private debt-collector firm to chase down tax debts - including from small businesses and vulnerable individuals.

𝗪𝗵𝘆 𝗶𝘁 𝗺𝗮𝘁𝘁𝗲𝗿𝘀 𝘁𝗼 𝘆𝗼𝘂:
✔️ The ATO’s compliance budget has been boosted by nearly $1 billion in 2025-26
✔️ Outsourced collection means enforcement is faster and less forgiving
✔️ Now is the time to ensure your tax structure, business setup and super strategy are firmly compliant and aligned with your goals

At 𝗧𝗿𝘂𝗲 𝗡𝗼𝗿𝘁𝗵 𝗟𝗶𝗳𝗲𝘀𝘁𝘆𝗹𝗲, we specialise in helping you proactively structure your affairs - so you avoid last-minute pressure and protect your freedom.

👉 Want to have a compliance review? Drop us a message or book a quick chat today.

11/11/2025

🛑 𝗔𝗧𝗧𝗘𝗡𝗧𝗜𝗢𝗡 𝗘𝗠𝗣𝗟𝗢𝗬𝗘𝗥𝗦: 𝗧𝗵𝗲 𝗣𝗮𝘆𝗱𝗮𝘆 𝗦𝘂𝗽𝗲𝗿 𝗟𝗮𝘄 𝗜𝘀 𝗔𝗯𝗼𝘂𝘁 𝘁𝗼 𝗖𝗵𝗮𝗻𝗴𝗲 𝗘𝘃𝗲𝗿𝘆𝘁𝗵𝗶𝗻𝗴

The 𝗣𝗮𝘆𝗱𝗮𝘆 𝗦𝘂𝗽𝗲𝗿𝗮𝗻𝗻𝘂𝗮𝘁𝗶𝗼𝗻 𝗕𝗶𝗹𝗹 (𝟮𝟬𝟮𝟱) is now under debate - and it’s bringing a major shift for all Australian employers.

By 𝗝𝘂𝗹𝘆 𝟮𝟬𝟮𝟲, you’ll need to pay 𝘀𝘂𝗽𝗲𝗿 𝘄𝗶𝘁𝗵 𝗲𝘃𝗲𝗿𝘆 𝘄𝗮𝗴𝗲 𝗽𝗮𝘆𝗺𝗲𝗻𝘁, not quarterly.
That means new payroll systems, updated reporting, and saying goodbye to the 𝗔𝗧𝗢 𝗦𝗺𝗮𝗹𝗹 𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗖𝗹𝗲𝗮𝗿𝗶𝗻𝗴 𝗛𝗼𝘂𝘀𝗲, which will close ahead of the rollout.

At 𝗧𝗿𝘂𝗲 𝗡𝗼𝗿𝘁𝗵 𝗟𝗶𝗳𝗲𝘀𝘁𝘆𝗹𝗲, we’re helping businesses prepare early - from cash flow planning to payroll restructuring - to stay ahead of compliance risk.

👉 Don’t wait until the deadline. 𝗖𝗵𝗮𝘁 𝘄𝗶𝘁𝗵 𝘂𝘀 𝘁𝗼𝗱𝗮𝘆 for a simple readiness review and action plan.

10/11/2025

🛑 𝗔𝗧𝗢 𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲 𝗔𝗹𝗲𝗿𝘁: 𝗜𝘀 𝗬𝗼𝘂𝗿 𝗪𝗲𝗮𝗹𝘁𝗵 𝗦𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲 𝗮 𝗥𝗲𝗱 𝗙𝗹𝗮𝗴?

The 𝗔𝘂𝘀𝘁𝗿𝗮𝗹𝗶𝗮𝗻 𝗧𝗮𝘅𝗮𝘁𝗶𝗼𝗻 𝗢𝗳𝗳𝗶𝗰𝗲 (𝗔𝗧𝗢) has released its 𝟮𝟬𝟮𝟱–𝟮𝟲 𝗰𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲 𝗳𝗼𝗰𝘂𝘀 - and wealthy groups, private companies, and family structures are under sharper scrutiny than ever.

At 𝗧𝗿𝘂𝗲 𝗡𝗼𝗿𝘁𝗵 𝗟𝗶𝗳𝗲𝘀𝘁𝘆𝗹𝗲, we’re helping clients strengthen their financial structures and stay ahead of these changes. Here’s what you need to know 👇

🔎 𝗔𝗧𝗢’𝘀 𝟯 𝗞𝗲𝘆 𝗪𝗮𝘁𝗰𝗵𝗽𝗼𝗶𝗻𝘁𝘀 𝗳𝗼𝗿 𝗙𝗬𝟮𝟬𝟮𝟲

💰 𝗗𝗶𝘃𝗶𝘀𝗶𝗼𝗻 𝟳𝗔 – 𝗣𝗿𝗶𝘃𝗮𝘁𝗲 𝗨𝘀𝗲 𝗼𝗳 𝗖𝗼𝗺𝗽𝗮𝗻𝘆 𝗙𝘂𝗻𝗱𝘀
If your business funds are used for personal expenses - think property, vehicles, or family costs - without formal loan agreements or repayments, it’s a compliance red flag.

🔄 𝗥𝗲𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗶𝗻𝗴 & 𝗦𝘂𝗰𝗰𝗲𝘀𝘀𝗶𝗼𝗻 𝗥𝗶𝘀𝗸𝘀
The ATO is investigating wealth transfers and restructures that appear tax-driven rather than commercially motivated. Every restructure needs a clear purpose and proper documentation.

💸 𝗖𝗚𝗧 𝗖𝗼𝗻𝗰𝗲𝘀𝘀𝗶𝗼𝗻𝘀 𝗨𝗻𝗱𝗲𝗿 𝗥𝗲𝘃𝗶𝗲𝘄
Eligibility for small business 𝗖𝗮𝗽𝗶𝘁𝗮𝗹 𝗚𝗮𝗶𝗻𝘀 𝗧𝗮𝘅 (𝗖𝗚𝗧) concessions must be watertight. The ATO is cracking down on cases where access to concessions looks artificial.

🧭 𝗢𝘂𝗿 𝗔𝗱𝘃𝗶𝗰𝗲: Don’t wait for a review. Now’s the time to ensure your structure, documentation, and wealth plan are compliant and future-proof.

👉 𝗕𝗼𝗼𝗸 𝗮 𝗣𝗿𝗶𝘃𝗮𝘁𝗲 𝗚𝗿𝗼𝘂𝗽 𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲 𝗥𝗲𝘃𝗶𝗲𝘄 with one of our advisors today, before the ATO knocks on your door.

07/11/2025

📢 𝗛𝗼𝘂𝘀𝗶𝗻𝗴 & 𝗦𝗲𝗿𝘃𝗶𝗰𝗲𝘀 𝗜𝗻𝗳𝗹𝗮𝘁𝗶𝗼𝗻: 𝗪𝗵𝘆 “𝗦𝘁𝗮𝗯𝗹𝗲” 𝗠𝗶𝗴𝗵𝘁 𝗕𝗲 𝗠𝗶𝘀𝗹𝗲𝗮𝗱𝗶𝗻𝗴

The 𝗥𝗕𝗔’𝘀 latest speech revealed that housing and market services inflation are running stronger than expected - a subtle but serious signal.

The 𝗜𝗠𝗙 echoed that concern, forecasting that if productivity lags, inflation could stay high well into 2026, possibly delaying any rate cuts.

Meanwhile, the 𝗔𝗦𝗫 jumped 1% post-speech - relief for now, but the underlying message remains: resilience has a price.

𝗛𝗲𝗿𝗲’𝘀 𝘄𝗵𝗮𝘁 𝘁𝗵𝗮𝘁 𝗺𝗲𝗮𝗻𝘀 𝗳𝗼𝗿 𝘆𝗼𝘂:
✅ Property costs, rates, and services may stay elevated longer than expected.
✅ Inflation’s bite may shift, not vanish.
✅ Now is the time to protect - not pause - your plan.

Our team at 𝗧𝗿𝘂𝗲 𝗡𝗼𝗿𝘁𝗵 𝗟𝗶𝗳𝗲𝘀𝘁𝘆𝗹𝗲 helps clients navigate exactly these shifts - with clarity, calm, and strategy that works.

👉 DM us to plan your next step.

06/11/2025

𝗪𝗵𝗶𝘁𝗲 𝗛𝗼𝘂𝘀𝗲 𝗿𝗲𝘃𝗲𝗮𝗹: 𝗔𝘂𝘀𝘀𝗶𝗲 𝘀𝘂𝗽𝗲𝗿 to surge $𝟭𝗧 𝘁𝗼 𝗨𝗦 𝗯𝘆 𝟮𝟬𝟯𝟱 - patriotism or smart investing? Super funds are forecast to pump about 𝗨𝗦$𝟭.𝟰𝟰 𝘁𝗿𝗶𝗹𝗹𝗶𝗼𝗻 into the United States by 𝟮𝟬𝟯𝟱 - up from current allocations by nearly US$1 trillion.

𝗪𝗵𝘆 𝗱𝗼𝗲𝘀 𝘁𝗵𝗶𝘀 𝗺𝗮𝘁𝘁𝗲𝗿?
- Your super is increasingly global.
- The U.S. market is set to be a major play for Aussie funds.

With bigger global moves, you’ll want to check your diversification, risk exposure, and long-term strategy.

If you’d like to talk through what this means for your super or investments, we’re here. Message us.

05/11/2025

𝗛𝗲𝗮𝗱𝘀-𝘂𝗽 𝘁𝗼 𝗮𝗹𝗹 𝗵𝗼𝗺𝗲𝗼𝘄𝗻𝗲𝗿𝘀 𝗮𝗻𝗱 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗶𝗻𝘃𝗲𝘀𝘁𝗼𝗿𝘀 - 𝗯𝗶𝗴 𝗿𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗲 𝗶𝗻𝗰𝗲𝗻𝘁𝗶𝘃𝗲𝘀 𝗮𝗿𝗲 𝗯𝗮𝗰𝗸.
Major banks are offering substantial cashback for refinances (many around $𝟮,𝟬𝟬𝟬–$𝟯,𝟬𝟬𝟬 𝗮𝗻𝗱 𝘂𝗽) for eligible borrowers with loans at 𝗟𝗩𝗥 ≤ 𝟴𝟬%.

Coupled with falling inflation, borrower opportunities are multiplying.

𝗪𝗵𝗮𝘁 𝘁𝗵𝗶𝘀 𝗰𝗼𝘂𝗹𝗱 𝗺𝗲𝗮𝗻 𝗳𝗼𝗿 𝘆𝗼𝘂:
✅ If you’re on an older loan or variable rate, this is a chance to switch.
✅ Still have equity (LVR ≤ 80%)? You might qualify for bigger savings.
✅ It’s not just about the bonus, check fees, features and long-term rate.

We’d be happy to help you explore whether now’s the right time for your situation. Message us.

04/11/2025

𝗛𝗲𝗮𝗱𝘀 𝘂𝗽 𝘁𝗼 𝗵𝗼𝗺𝗲𝗼𝘄𝗻𝗲𝗿𝘀 𝗮𝗻𝗱 𝗶𝗻𝘃𝗲𝘀𝘁𝗼𝗿𝘀 - 𝗔𝘂𝘀𝘁𝗿𝗮𝗹𝗶𝗮’𝘀 𝗮𝘂𝗰𝘁𝗶𝗼𝗻 𝗺𝗮𝗿𝗸𝗲𝘁 𝘁𝘂𝗿𝗻𝗲𝗱 𝘂𝗽 𝘁𝗵𝗲 𝗵𝗲𝗮𝘁 𝗹𝗮𝘀𝘁 𝘄𝗲𝗲𝗸.
• Houses: ~76.9% clearance rate
• Units: ~70.5% clearance rate

Low stock + strong buyer demand = faster sales and fewer chances to sit on the fence.

𝗪𝗵𝗮𝘁 𝗶𝘁 𝗺𝗲𝗮𝗻𝘀 𝗳𝗼𝗿 𝘆𝗼𝘂:
𝗦𝗲𝗹𝗹𝗲𝗿𝘀: This might be a peak window
𝗕𝘂𝘆𝗲𝗿𝘀: Anticipate higher bidding pressure
𝗜𝗻𝘃𝗲𝘀𝘁𝗼𝗿𝘀: Opportunity to review strategy now

🏠 Considering your next move? Let’s review your property strategy today.

03/11/2025

𝗛𝗲𝗮𝗱𝘀 𝘂𝗽 – 𝗯𝗶𝗴 𝗰𝗵𝗮𝗻𝗴𝗲𝘀 𝗶𝗻 𝗔𝘂𝘀𝘁𝗿𝗮𝗹𝗶𝗮’𝘀 𝘁𝗮𝘅 𝗹𝗮𝗻𝗱𝘀𝗰𝗮𝗽𝗲 𝗵𝗮𝘃𝗲 𝗹𝗮𝗻𝗱𝗲𝗱.
On 1 October 2025, the ATO finalised its view on how the third-party debt test (TPDT) works under the thin-capitalisation rules.

𝗪𝗵𝗮𝘁 𝘁𝗵𝗮𝘁 𝗺𝗲𝗮𝗻𝘀:
• Entities relying on overseas or related-party debt must double-check compliance.
• Some major deductions might be at risk if conditions aren’t met.
• If you’re a business owner, investor or adviser, this is your cue to act.

We’re here at 𝗧𝗿𝘂𝗲 𝗡𝗼𝗿𝘁𝗵 to help you translate these complex rules into real-world strategy. Want a conversation? Send us a message or book a call.

31/10/2025

𝗛𝗲𝗮𝗱𝘀 𝘂𝗽 – 𝗕𝗶𝗴 𝗲𝗰𝗼𝗻𝗼𝗺𝗶𝗰 𝗻𝗲𝘄𝘀 𝗳𝗿𝗼𝗺 𝗹𝗮𝘀𝘁 𝘄𝗲𝗲𝗸 𝗮𝗵𝗲𝗮𝗱 𝗼𝗳 𝘆𝗼𝘂𝗿 𝗠𝗼𝗻𝗱𝗮𝘆 𝗺𝘂𝗴.

Australia’s inflation print came in at 2.8 % year-on-year, inside the RBA’s target. That’s good news for rate-watchers and anyone looking ahead to borrowing or refinancing. The ASX 200 even touched a fresh high as markets priced in a rate cut.

𝗪𝗵𝗮𝘁 𝗱𝗼𝗲𝘀 𝘁𝗵𝗶𝘀 𝗺𝗲𝗮𝗻 𝗳𝗼𝗿 𝘆𝗼𝘂?
– Mortgage & housing costs: still key risks.
– Investment strategy: markets leaning toward easing.
– Your next move: stay informed and ahead of the curve.

If you’d like to chat about how this affects your financial plan, hit the message button or schedule a call with our adviser team.

30/10/2025

🚨 𝗛𝗲𝗮𝗱𝘀 𝘂𝗽, 𝗦𝗠𝗦𝗙 𝗵𝗼𝗹𝗱𝗲𝗿𝘀!
𝗧𝗼𝗱𝗮𝘆 (𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝟯𝟭) is the final lodgment day for many SMSFs - especially if yours is newly registered or has prior arrears.

Missing this date could mean ATO penalties or compliance flags - and nobody wants that.

👉 If you’re unsure whether you’re up to date, now’s the time to double-check with your adviser or accountant.

A few minutes today can save you a lot of stress later.

True North Lifestyle

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