Why Smart Accountants Partner with Mortgage Brokers at Tax Time
Alice Rhodes
Head of Marketing & Communication
Tax time in Australia isn’t just about compliance - it’s a strategic opportunity.
Tax time in Australia isn’t just about compliance - it’s a strategic opportunity.
For accountants, it’s when you have full visibility over your clients’ financial position, and the trust you’ve built with them is at its strongest. But it’s also a peak moment to unlock extra value through collaboration - especially with mortgage brokers.
Here’s why aligning with a mortgage broker during tax time just makes good business sense.
As an accountant, you’re collecting the very documents that mortgage brokers need to assess borrowing capacity - tax returns, income summaries, business financials, BAS, and more. You’re perfectly placed to spot when a client may benefit from refinancing, restructuring debt, or reviewing their investment lending strategies.
Rather than simply filing it all away, why not turn that data into opportunity?
Tip: Introduce a simple question into your client review:
“Have you reviewed your loans recently, or considered whether your lending structure still suits your goals?”
It opens the door for a referral that adds value, without adding work.
Accountants and brokers working together can unlock powerful outcomes. For example:
- Tax-effective debt structuring for property investors or business owners
- Cash flow optimisation by consolidating or refinancing loans
- Asset protection strategies aligned with trust or company structures
- Future-proofing borrowing capacity ahead of expansion, succession, or retirement plans
With clients increasingly expecting coordinated advice, partnering with a broker you trust helps you deliver holistic service - and protects your seat at the table.
Many clients see their accountant once a year, and their broker once every few years. But with rising interest rates, changes to lending policy, and increased investor scrutiny from the ATO, the property finance landscape is evolving quickly.
By working with a broker, you can:
- Flag potential issues with negative gearing, rent yield, or equity use
- Help clients avoid tax-time surprises linked to redraws or offset accounts
- Guide clients on interest deductibility and investment property changes
In short, you help clients avoid costly mistakes and stay proactive.
Referring clients to a strategic mortgage broker reflects well on you. When your clients feel supported across the board - with accounting, lending, and wealth advice all integrated - they stay longer and refer more.
Think of it like building a financial pit crew. You’re the driver’s trusted adviser. The broker is the suspension expert. Together, you help the client race ahead, safely and smoothly.
If you're an accountant who sees value in collaboration, I’d love to chat. I work closely with progressive accounting firms to deliver proactive lending support that complements your advice - not competes with it.
Let’s build a relationship that creates value for our clients and simplifies your workflow during tax time and beyond.
Get in touch today - let’s make this tax season the most strategic one yet.