What are the opening hours?

Monday 9am - 7pm Tuesday 9am - 7pm Wednesday 9am - 7pm Thursday 9am - 7pm Friday 9am - 7pm Saturday 9am - 7pm Sunday 9am - 5pm

Prime Accounting and Finance

Home
Australia
Sunnybank, QLD
Prime Accounting and Finance

Prime Accounting and Finance is Australian based Chartered accounting firm and finance advisor. Loan shopping
Free
Not sure the right loan for you?

Home purchasing
Free
If you are planning to buy a home, we assist you to choose and apply for a home loan from dozens of different lenders. Buying a home is complicated, we make it as easy for you as possible. We charge you no fee to help you find and finalise the right loan. Loan applications
Free
We assist you in the loan application process. Even if you know the loan you want to apply for, we c

an help you provide the right information, complete application forms and deal with the lending institution. We will compare your loan to different lenders to ensure it is the right option for you. Don't worry, that's our job. We have thousands of loans to choose from. We assess your requirements and your financial position and goals to provide a range of loans options for you to choose from. Then we apply to the lender, taking care of the paperwork and hassle. Property closing
Free
We take you from start to finish, from choosing and applying for your home loan from any of 50+ different lenders, right through till the settlement of your property. We work until the transaction is completed and the property is in your name. Rate shopping
Free
Want to find the lowest rate loans that you qualify for? We work with dozens of different lenders and can compare their loans to determine the cheapest option for you. The final choice is yours. There are thousands of possible mortgage and loan options we offer. Refinancing
Free
If you want to find a lower cost loan, save money every month, consolidate other debts - this is exactly what we do! We look at the loans that will provide you a lower cost alternative from our panel of lenders. You see what the new loan will save you and decide if you want us to make the change. First Home Buyers
Free
If you are thinking of buying your first home, give me a call. We will work out the right ptath to home ownership for you. It may be a lot easier than you think, when you have expert at your side. We have access to many low deposit options and first home owner grants and incentives. Property Investor Loans
Free
If you are looking to purchase an investment property or refinance investment loans, we can assist. We work out the lowest cost loans from our panel of lenders to meet your requirements and take care of the paperwork for you. A successful investment property portfolio starts with the right loans. Self Employed Borrowers
Free
Many self-employed applicants have trouble obtaining finance. This is where we come in - by understanding your financial situation and knowing how to properly present this to the lending institutions and the right lenders to talk to for your unique situation. Car Loans
We provide vehicle finance options from a range of different lenders. Whether it is a new or used car, boat, caravan, or other type of vehicle, we can usually find a good lending option for you from our range of equipment financiers. Business Loans
If you need business funding of any kinds - invoice funding, cashflow finance, asset or equipment finance, debtor finance, unsecured business line of credit, etc - we have a range of small business lending solutions from many different lenders. Commercial Property Loans
If you are buying a commercial property of any kind, we can assist. We have a wide range of commercial lenders that may be suitable for the property you are thinking of. Equipment Finance
If you need asset finance or equipment finance to pay for equipment for your business, including vehicles, give us a call and we can assist. We have a wide range of lending options. Home Building / Construction Loans
Free
Construction loans are typically more complicated as they involve progress payments, sometimes a land loan and the construction component. We deal with dozens of lenders and can match you to the right loan and get it approved and settled. Land Loans
Free
If you are looking to purchase land only, then we need to find a lender that is happy to take security over just land. You may have different requirements as to when you plan to build, if ever, so we will match that to the right lender's policies. Bridging Loans
Free
If you need to buy your next home while you are still selling your current one, this is called a Bridging Loan. You borrow the full amount to buy the new home and pay it down by the amount you end up selling your old property for. So it allows you to buy before you have sold. Line of Credit
Free
A line of credit is a like a credit card, but at home loan interest rates. You have a limit on the loan and can draw it up and down as you choose. With a line of credit home loan, any money you borrow is usually secured against the equity in your home. It is the most flexible type of home loan. Fixed Rate Loans
Free
A fixed rate loan gives you the security of knowing what your repayments will be for the fixed rate term. The maximum term of a fixed rate loan is usually 10 years, but most people choose 1 to 5 year fixed rates. There are many different features attached to fixed rate loans. First Home Buyer Grants
Free
We will help you discover which First Home Buyer Grants and Rebates you are eligible for. Then we can help you apply for the grant and use it towards your first home purchase. As well as federal grants, different states have their own grants and rebates that we assist with. Low Doc Loans
Free
You may be eligible for 'Low Doc' (Low Documentation) loans depending on your financial situation. If you’re a small business owner or self-employed and don’t have the required documents for a standard home loan application then a home loan that requires less documentation may be what you need. Family Guarantee Loans
Free
You can get your home sooner when a family member guarantees part of your home loan. Family members can act as a guarantor and use a portion of their own home's equity to help their loved ones, the borrower, to secure a home loan. Second Mortgages
Free
A second mortgage is a charge over a property that already has another mortgage on it. The mortgages are ranked in the order in which they were lodged. In the event that the debt isn’t paid and the property is sold, the first mortgage is paid back before any money is paid to the second mortgage. SMSF Loans
Free
Self Managed Super Fund (SMSF) home loans are more complex than regular home loans, as any property purchased must be for the sole benefit of the SMSF, not the individual trustees. Lending policies for SMSFs vary between lenders, particularly in the way they assess your ability to repay the loan.

25/06/2026

Top 12 Tips for Paying Your Home Loan Sooner.

We all know the most common ones:

Pay off quickly
Pay fortnightly instead of monthly
Make payments at a higher interest rate amount
Consolidate your debts
Abandon minor luxuries
Switch to a new loan or lender with a more suitable rate and package.
What about some others that we often don't think about?

7. Use your offset account to your advantage

Instead of putting your spare cash into an interest bearing account where you earn very little interest and pay tax on the interest you earn, transfer any spare money you have into your offset account.

The additional cash works to offset the interest you are paying on your home loan.

8. Split your loan

If you are the type of borrower who worries about interest rates increasing but you don't want to be tied down by a fixed loan, a good compromise is a split loan.

Split loans allow you to fix part of your home loan and set the balance of the loan with the variable rate of interest.

Essentially this allows you more flexibility knowing part of your loan is safely fixed and won't move.

If interest rates don't go up (or if they rise only slightly or slowly) then you have the flexibility of the variable portion of your loan and can pay that component off more quickly.

9. Use your equity

If you have made good progress by paying down your home loan, many lenders will allow you to use a portion of this equity for investment. Providing you can service the new debt, it is the most common strategy for wealth creation used in Australia.

As long as you are being advised and guided by a reputable credit adviser or financial planner, this type of investment is usually a safe strategy to start planning your financial future.

10. Refinance and invest the difference

When you are fortunate enough to refinance and reduce your monthly repayments, rather than increasing your lifestyle or even paying down your mortgage, it is sometimes wise to invest the difference.

We recommend you seek counsel and advice from a qualified finance specialist, like ourselves, before trying to figure it out yourself. Don't waste the opportunity by making mistakes.

11. Don't be afraid of alternate lenders with cheaper rates

There are many second tier lenders who provide excellent products and rates competitive to the BIG 4. As the competition for business is at its all-time high, it makes lending a very interesting sector to be working in.

With a strong property market and low interest rates, there are plenty of opportunities being provided by alternate lenders willing to take on traditional lenders with low fees and very competitive products.

12. Don't set and forget

There is always the temptation to let your mortgage roll along, make your repayments as they fall due and think as little about it as possible. This attitude could be your biggest mistake.

It is important to keep yourself up to date with the property and finance market. We encourage all of our clients to have an annual review with us to ensure we have you in the best financial situation available at the current time.

Rates change, new products are introduced and changes in the finance market itself may allow you to seize an opportunity or negotiate a better deal.

Stay informed and ahead of the game by reading our updates and committing to regular finance reviews.

24/06/2026

Is your loan protected?

As a borrower, taking out a loan of any kind can be an overwhelming and complex process.

This isn't helped by all the different financial product naming conventions and acronyms that you will undoubtedly encounter.

An area that often causes confusion is the difference between lender's mortgage insurance and mortgage protection insurance...

So, who is protecting who?

To avoid a nasty suprise, please read our single page factsheet - Loan Insurance.https://www.mortgageaustralia.com.au/email/files/lendersmortgageinsurance.pdf

23/06/2026

Moving on from any long term relationship, be it marriage or de facto, can attract a heavy emotional toll, but the financial impact can be far reaching and long lasting.

Finances are often left on the backburner as you focus on the emotional health of you and your family.

It may also be that this is the first time you have had the sole responsibility for your finances, are overwhelmed and don�t know where to start.

The key is to take action early. Click here for some steps to get back on track financially after a separation or divorce.https://www.mortgageaustralia.com.au/email/files/startingover.pdf

22/06/2026

Buying or selling - or even just thinking about it?

We may not have met in person yet, but I thought you would appreciate knowing that I'm always quoting and arranging home loans for people across our suburb.

If you are even remotely thinking about buying or selling, or you are just not sure what your home is worth and how much you can borrow, why not ask me to help you work it out? That way you will know exactly what you can do...and it doesn't cost anything either!

I have access to home loans for just about everyone and every situation so please try me out. It usually only takes a few minutes and the privacy act ensures our conversation is entirely confidential.

A cuppa and a chat

It could be as simple as that.

22/06/2026

Can you live as One Big Happy Family?

More Australian families are moving in with parents or in-laws in a bid to stake their claim in the property market and save everyone a bundle along the way.

Multi-generational housing has risen by more than 60 per cent over the past three decades, according to a 2013 report by the University of NSW City Futures Research Centre.

With property prices escalating and new land at a premium in most major capital cities, more families are deciding to pool their resources and take up digs together.

While not for every family, there are clear benefits to kids, parents and grandparents bunking in, not least of them being big savings.

Already more young adults are living at home longer to stave off the increasingly high costs of independent living, save for travel or squirrel away a deposit to buy their own place.

And while that arrangement probably suits the adult child more than mum and dad, the concept of multi-generational living tends to have more mutual perks.

The oldest generation, for example, might be looking to down-size and make their superannuation go further without compromising their lifestyle, while their children might want to step up to a bigger property in a better location.

Together, they are able to meet their financial and lifestyle goals.

Advantages:

Savings for all
One of the most obvious benefits of families sharing a property is greater buying power.

Naturally the property needs to be big enough to cater to a large number of people (and they can be difficult to come by) but once economies of scale kick in, families who combine their funds can usually pick up a higher calibre of property than if they were on their own.

Sharing families who can�t find the home they need may choose to build their own or renovate an existing one. Some are opting for a duplex-style arrangement where a wall splits the home in two to create entirely separate living areas with separate entrances.

Designed properly, the property can maintain its Residential A zoning without attracting all of the red tape and costs associated with developing a proper duplex.

Check with your local council what rules apply for your property.

Whether you build or buy, the savings can stack up in terms of loan repayments and rates and utilities, providing there are sound agreements in place for splitting expenses (see tips).

Extra care
Another advantage of multigenerational living is built-in childcare, providing it is mutually agreeable.

Grandparents are often willing to help out with children, which can help tally up further savings or create greater flexibility for busy working parents.

Even if children don�t require fulltime day care, having a grandparent on hand for school pick-ups or extra-curricular activities can help ease stress on the family dynamic. And it may not be just children who require the care.

Some families choose to live together to provide emotional or physical support to an aging parent who may be struggling to maintain their independence.

Fringe benefits
Although probably not top-of-mind for co-located families, there are plenty of incidental benefits when generations reside together:

There is someone on hand to care for plants and pets when one family goes away.

Senior residents can attract discounts on home insurance and improve security if home most of the time.

Old and new skills can be passed between generations � for example, grandkids can teach grandparents about technology, while grandparents might teach grandkids how to cook an old- fashioned favourite.

Many families report increased respect and understanding between generations.

Tips for multi-generational living

Although there are many advantages to multiple generations living under one roof, the arrangement is not without its challenges.

Prior planning and plenty of ongoing, respectful discussion are often required to help things run smoothly.

Here are some tips on what to consider to help ensure the situation doesn�t get too close for comfort.

Discuss what each party expects to get out of the situation so there�s agreement from the outset.

Get legal and financial advice and ensure there are agreements in place to avoid any grey areas over who pays for what when establishing the home � buying or building � and for all ongoing expenses, such as groceries and household bills.

Be clear about responsibilities so each family member understands what jobs are expected of them.
Establish a routine for meals � who cooks, when the family eats and whether everyone eats together.

Set up rules for privacy to instil boundaries if needed � grandkids, for example, might be asked to give a grandparent some time out after dinner.

Consider whether holidays and outings involve all family members or just some, and try to make plans well in advance so there are no surprises, clashes or confusion.

Grandparents should be clear from the get-go about how much they wish to be involved in caring for grandchildren.
Make time to discuss how the situation is tracking for everyone involved so any grievances can be aired productively.

19/06/2026

Would you like to improve the environmental efficiency of your home, save money on your energy bills and increase the value of your property? Our team can help arrange low-rate finance for energy efficient products.

Our partners offer a fast, simple process and access to funds typically within 48 hours. Don�t delay, get in touch today!

19/06/2026

Some tips to help you buy your next car for less.

Enjoy that new car smell longer.

There is something special about buying a brand new vehicle - the smell... the pristine paint... the purring of a well timed and perfectly balanced motor.
.. So how do you ensure that feeling is not soured as you drive out of the car dealership?

Car dealerships can be a very high pressured sales environment. The salesperson has a number of techniques they will utilise to ensure their bottom line is better than yours.

The most important factor to ensure you obtain a 'good deal' is to do your research before you start negotiating.

When buying a new vehicle, generally a number of individual transactions take place:

1. purchasing your new vehicle,
2. selling your old vehicle, and
3. organising finance.

When negotiating, you should strive to win on each of these transactions.

Before entering negotiations with the salesperson it is recommended you complete the following steps, which are outlined here in my latest factsheet: "Enjoy that new car smell longer!"https://www.mortgageaustralia.com.au/email/files/enjoythatnewcarsmelllonger.pdf

16/06/2026

What you need to know about the most important part of your home loan:

Are you an expert on all lending related topics? That's okay - most people aren't. If you're still trying to understand the truth about interest rates, you're not alone. Here are a few answers to the questions you were too embarrassed to ask.

How are interest rates determined?

The Reserve Bank of Australia (RBA) sets the official interest rate or 'cash rate' which takes into account a whole list of factors about how the economy is performing at that point in time.

The RBA meets once a month to review the inflation rate, unemployment figures, CPI, PPI and retail sales, and from that information they decide whether to increase, decrease or leave on hold the official cash rate.

The cash rate is the interest rate that the banks and lenders will pay to the reserve bank. If this increases, your lender will usually pass the cost onto you - the borrower. If the cash rate decreases - the reserve bank intends that the savings should also be passed on by your lender - but this isn't always the case.

By moving the interest rates up and down, the RBA tries to keep the Australian economy in check, by either slowing things down to keep the cost of living under control, or speeding up spending to help boost growth in certain areas.

What are the different types of interest rates?

The two main types of interest rates are Variable and Fixed.

Variable rates are usually a bit lower, and you pay the best going rate at the time. If the cash rate increases, your lender will increase your variable interest rate. But if the cash rate decreases, your repayments will usually go down.

Fixed interest rates are locked in for a period of time -usually just a couple of years - so that you know exactly how much you will need to budget for. This can be helpful for borrowers on a strict budget who can't afford a lot of interest rate rises in the short term. However you will usually pay a higher interest rate overall if you choose this option.

Which interest rate is best for me?

The decision of whether to choose a variable or fixed interest rate should be made after carefully considering your own personal needs and commitments.

A mortgage broker should be able to help you weigh up the pros and cons to work out the best option.

16/06/2026

Avoid these Common Mortgage Mistakes:

For many homeowners, it's easy to get caught up in all of the excitement, and stumble into one or more of these embarrassing mortgage mistakes. Unfortunately I see it very often.

Getting a Standard Variable Rate loan:

Banks love nothing more than putting customers into a Standard Variable Rate. They heavily promote the extra flexibility and offset facility. The reality is it is very rarely worthwhile for the average customer to pay the higher rate for the extra features.

Even if you have a large amount of money to put in an offset account, you could achieve much the same thing with a basic loan with a redraw facility and pay a much lower interest rate.

If you want a fully featured loan, compare the costs of these extra features to the lender's cheaper products. Or better yet, push for a liefetime discount package on the standard loan and get the best of both worlds.

Honeymoon Rates:

There's an old saying - 'if it sounds too good to be true, it probably is'. This is the best way to describe 'Introductory Rate' home loans. Don't get me wrong, there are some great offers out there, and a low rate in the first year or two can make all the difference to your weekly budget. But to avoid future pain, it's best to base your comparison on the rate that you will pay when the honeymoon is over.

Rate Rises:

Part of the loan application process is to work out what you can afford to repay, based on current interest rates. But did you consider what would happen to your budget if interest rates were to increase? Many Australians have been caught out in the past, with disastrous consequences. The best way to avoid becoming one of these cautionary tales is to be mindful of both your purchase price, and the impact that future rate rises will make on your loan repayments.

Savings Fatigue:

It was a long and difficult journey to save that deposit. You might have taken on extra work, missed out on overseas travel, avoided fine dining or sacrificed your cable TV. But now is not the time to let your hair down - especially if you haven't reached your settlement date. After you hand over the deposit, you'll still need to ensure that you can cover stamp duties, conveyancing fees and moving costs. For the unlucky few, there could even be unexpected maintenance costs after you settle. (It's funny how the hot water service always seems to hang in there until the worst possible moment). So try to keep your good money habits going a bit longer.

Don't blow the budget:

Most of us take the time to think about how much we want to spend before we start making an offer on our next home, or gesturing wildly at an auction. But sometimes we get carried away and don't want to risk missing out on our dream home. So who really wins in this scenario? The vendor and the real estate agents of course! Not the proud new home owner, who has just committed to a purchase price and mortgage that he can't really afford.

Inflexible loans:

Just like electronics and furniture, when it comes to a mortgage you get what you pay for. There are some very cheap (and nasty) options available to borrowers. Some of these might seem appealing but it's important to consider the features that you need in a loan - today and a few years down the track.

13/06/2026

Drive away in your dream car. Contact me for a low cost carloan.

Address

4 Blencoe Street
Sunnybank, QLD
4207

Opening Hours

Monday	9am - 7pm
Tuesday	9am - 7pm
Wednesday	9am - 7pm
Thursday	9am - 7pm
Friday	9am - 7pm
Saturday	9am - 7pm
Sunday	9am - 5pm

Telephone

+61466003408

Website

http://primeaccountingandfinance.com.au/

Alerts

Be the first to know and let us send you an email when Prime Accounting and Finance posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Prime Accounting and Finance:

Shortcuts

Address
Telephone
Opening Hours
Alerts
Contact The Business
Claim ownership or report listing

Want your business to be the top-listed Accountant in Sunnybank?

Prime Accounting and Finance

25/06/2026

24/06/2026

23/06/2026

22/06/2026

22/06/2026

19/06/2026

19/06/2026

16/06/2026

16/06/2026

13/06/2026

Address

Opening Hours

Telephone

Website

Alerts

Contact The Business

Shortcuts

Share

Category