MORTGAGES AND FINANCE
SB LENDING
Welcome to SB Lending, where we provide more than just exceptional mortgage broking and finance management services. We take a holistic approach, working closely with our clients to ensure their borrowing strategy aligns with their wealth creation, tax, risk, and income protection goals.
We understand that borrowing is just one part of the bigger financial picture, and securing the cheapest loan in the short term might not always support your long-term aspirations.
What Sets Us Apart?
We collaborate with the wider SB Group team, bringing in experts from accounting, business structures, tax and financial planning to craft a bespoke borrowing strategy that works for you. With access to loans from 32 leading financial institutions, we offer flexible solutions tailored to your unique needs.
As your trusted mortgage broker, we guide you through the entire process—from selecting the right loan to reviewing it throughout the life of your contract. With over 20 years of industry experience, SB Lending is dedicated to helping you achieve your financial goals now and in the future. Let us handle the legwork and simplify your lending journey, ensuring the right financial package for your lifestyle, business, and future needs.
INSIGHTS AND NEWS
June 10, 2026
From 1 July 2026 , new Anti-Money Laundering and Counter-Terrorism Financing (AML/CTF) requirements will apply to accounting firms across Australia. These changes are being introduced by AUSTRAC (the Australian Transaction Reports and Analysis Centre) to help protect Australia's financial system, improve transparency, and reduce the risk of criminal activity. While the legislation is new for accounting firms, the process may already be familiar to many clients. Similar identity and verification checks have long been required by banks and other financial institutions. As a result, we may need to request additional information from some clients, including: Identification documents Updated business or entity information Details about beneficial ownership and control We understand these requests may feel like extra administration. Our goal is to make the process as simple and straightforward as possible while meeting our obligations under the new regulations. Our team is already preparing for these changes through training, process reviews, and system updates to ensure a smooth experience for our clients. Protecting your privacy remains a priority. Any personal information or identification documents provided to us will be handled securely and only through providers that meet strict data protection standards. What does this mean for you? If we ask for additional information from 1 July 2026 onwards, it will likely be because we are required to do so under these new AML/CTF obligations. If you have any questions about the upcoming changes, please don't hesitate to contact our team. Disclaimer: The information provided on this blog is for general informational purposes only. While we strive to ensure that the content is accurate and up to date, the advice and information provided on this site should not be construed as a substitute for consulting with a qualified accounting or tax professional. The authors and contributors to this blog do not accept any responsibility or liability for any errors or omissions in the content, or for any losses or damages arising from the use of the information provided.
June 4, 2026
Better Conversations. Better Business. Recently, we had the pleasure of welcoming business owners and leaders from across the Ipswich region to our Business Growth Workshop featuring Ryan Tuckwood. The room was filled with people from a wide range of industries, all investing time away from their businesses to learn and connect with others who share a commitment to growth. While Ryan is widely recognised as one of Australia's leading sales strategists and the founder of SWISH (Selling With Integrity & Selling Honestly), the day quickly became about something much bigger than sales. It became a conversation about people. Because whether you're leading a team, growing a business, managing clients or developing partnerships, the quality of your conversations often determines the quality of your outcomes. One of Ryan's core philosophies is simply "Study people, not sales. When you do, success follows.
April 24, 2026
At Sammut Bulow, we’ve recently seen an increase in clients receiving unofficial registry notices via the post and email relating to ASIC annual company statements and annual review fees. At first glance, these communications can look legitimate. They often use formal language, reference ASIC requirements, and may suggest they are acting on behalf of your business or can assist with lodging your annual review. In some cases, they also request payment directly. However, many of these notices are not issued by ASIC and are not associated with Sammut Bulow. Why this matters Making a payment to the wrong provider doesn’t satisfy your company’s ASIC obligations and can create unnecessary complications. We’ve seen this lead to: Duplicate payments or payments made to these providers but no work being completed Uncertainty around whether the annual review has actually been completed Missed ASIC deadlines Late fees or compliance issues where the genuine fee remains unpaid The client being removed from our registered agent portal and therefore SB being unable to complete important work For busy business owners, these emails can be easy to mistake for a genuine reminder - particularly when they arrive around the same time as your ASIC annual review. What to look out for To protect your business, it’s worth taking a moment to review any correspondence carefully. As a general rule: Only rely on communications sent directly from ASIC or Sammut Bulow If you receive an invoice or request for payment from another provider, don’t act on it straight away Be cautious of wording that suggests the sender is “acting for” your business when you didn’t actually engage them If something feels unfamiliar, unclear, or overly urgent, it’s worth pausing before taking action When in doubt, ask SB If you receive an email, letter or invoice relating to your ASIC annual review and you’re unsure whether it’s genuine, send it through to our team before making any payment. A quick check with us could save you time, money and unnecessary frustration. Our recommendation These notices are designed to look official and they can easily catch people off guard but taking a moment to verify the source before making payment is one of the simplest ways to protect your business. If you’ve received something recently and would like us to review it, please don’t hesitate to get in touch. Disclaimer: The information provided on this blog is for general informational purposes only. While we strive to ensure that the content is accurate and up to date, the advice and information provided on this site should not be construed as a substitute for consulting with a qualified accounting or tax professional. The authors and contributors to this blog do not accept any responsibility or liability for any errors or omissions in the content, or for any losses or damages arising from the use of the information provided.
