3 BEARS TRUST

Services for your business and financial future

Explore the support available, how each service works and its indicative fees. Choose the services you need and discuss the scope with our team.

Accounting, tax & business advisory

Tax returns, bookkeeping, business structures and compliance.

Tax returns (ITRs, CTRs & TTRs)

Comprehensive annual income tax return preparation and lodgement for Individuals (ITR), Companies (CTR), and Trusts or Partnerships (TTR).

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Bookkeeping & payroll management

Full-service bookkeeping, daily bank reconciliations, Single Touch Payroll (STP), superannuation lodgements, and quarterly BAS preparation.

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SMSF establishment & management

Complete Self-Managed Super Fund (SMSF) setup, corporate trustee registration, investment strategy drafting, annual accounting, and audit management.

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Business structuring & tax advice

Strategic entity formation and tax planning using companies, discretionary family trusts, unit trusts, and holding company asset-protection structures.

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Property & business purchase advice

Pre-purchase tax reviews, contract due diligence, stamp duty planning, and ownership structuring before you sign a binding purchase agreement.

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Individual & PAYG tax structuring

Advanced tax planning for high-earning PAYG professionals, executives, and doctors to reduce personal tax through salary packaging and investment deductions.

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ASIC annual review & corporate secretarial

Annual company statement reviews, solvency resolutions, registered office address management, and ASIC corporate registry updates from $250/year.

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ATO tax debt negotiations & payment plans

Formal negotiations with the Australian Taxation Office to remit General Interest Charges (GIC), waive penalties, and establish affordable payment plans.

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Lending & finance

Home, investment, business and specialist lending.

Home & investment property loans

Market-leading home loans and investment property mortgages tailored from 70+ bank and non-bank lenders for owner-occupiers and property investors.

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Home & commercial loan refinancing

Comprehensive interest rate reviews and loan refinancing across 70+ banks to slash monthly repayments, consolidate debts, or release equity.

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First home buyers loans & grants

Specialist mortgage assistance for first home buyers, including First Home Owner Grants (FHOG), 5% deposit schemes, and stamp duty exemptions.

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SMSF property loans (LRBA)

Specialist Limited Recourse Borrowing Arrangements (LRBA) to acquire residential or commercial property inside your Self-Managed Super Fund.

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Car & equipment loans (Asset finance)

Fast, competitive asset finance for new and used cars, utes, commercial vans, trucks, heavy machinery, and office or shop fit-outs.

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Business loans & working capital

Secured and unsecured business loans, revolving overdraft facilities, and working capital lines to fund inventory, hiring, or expansion.

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Commercial property loans

Specialist commercial mortgages for purchasing or refinancing warehouses, offices, retail shopfronts, and mixed-use commercial freeholds.

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Construction & development loans

Progressive drawdown construction finance for custom home builds, knock-down rebuilds, duplexes, multi-unit developments, and commercial projects.

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Private loans & short-term funding

Rapid private mortgages, caveat loans, second mortgages, and urgent short-term bridging finance when traditional banks take too long or say no.

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Personal loans

Competitive fixed-rate unsecured and secured personal loans for debt consolidation, home improvements, or personal expenditures.

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Investment & growth

Property research, business opportunities and investment planning.

Direct Practice Engagement

Your numbers tell a story. Let's write the next chapter.

Direct Phone(02) 4708 9955
Practice LocationBay 5-7, 2 Locomotive St, Eveleigh NSW 2015
Working Hours9am – 6pm, Mon to Fri