Achieve Lending Solutions

24/04/2025

You built the business.
You pay the staff.
You take the risks.

But someone else owns your premises…so...

📈 Rent sucks all your cashflow
⏳ Property prices are rising without you
💸 And every rent payment you make increases their wealth, not yours.

Meanwhile, your super is suffering and all the late nights and early mornings you've spent hustling are securing someone else’s retirement.

So, here’s the question:
Will you keep scaling their portfolio, or build your own?

Comment KEY if you're ready to own the keys (and not just the business).

10/04/2025

Would you prefer to own your business premises rather than pay off someone else's?

24/02/2025

Need a hand to finance your next purchase? Or want a check that you're all set up correctly and your rates are competitive?

You can book a time directly here - https://calendly.com/justin-achievelendingsolutions/15min

06/01/2025

I’m writing to share some exciting news—after a fulfilling time with RFS Finance, I’ve taken the next step in my career and now operate my own business, ACHIEVE Lending Solutions.

This move allows me to offer you an even more tailored, client-focused experience while continuing to provide a variety of lending solutions that meet your needs. Whether you're reviewing your home loan, purchasing property, or exploring other financial opportunities, I’m here to help you achieve your goals with greater flexibility and enhanced service.

If it’s been a while since we last reviewed your home loan, now could be the perfect time. With interest rates constantly changing, I’d love to explore how we can secure a better rate for you. A quick review could result in real savings for you and your family!

Feel free to reach out to me directly at 0414 565 391 or my new email address [email protected] to book a complimentary review.

Thank you for your trust and support during this exciting transition. I look forward to continuing to work with you as part of ACHIEVE Lending Solutions.

Website coming soon…

22/02/2022

Gap between Australia’s house and unit market hits record high

The disparity between Australia’s house and unit values reached an all-time high in January of 28.3%, despite double-digit annual growth rates for both houses and units.

17/04/2021

SALARY SACRIFICING

If you are earning more than you need to live comfortably, salary sacrificing may be an attractive option to reduce your tax, boost your superannuation and prepare for a more comfortable retirement later on.

Salary sacrificing simply involves having part of your salary paid into a superannuation fund by your employer rather than receiving it as income. These contributions are not included as part of your assessable income, reducing your income tax burden. But you can't have it all your own way. Salary sacrificing is such an attractive strategy but beware of exceeding the concessional contributions cap which will negate any tax benefits.

Staying under your applicable limit will mean salary sacrificed contributions attract only a 15% contributions tax. This is significantly less than you would pay in income tax if you received it as income. You will also need to have a formal agreement in place with your employer. And importantly, you won't be able to access the money until you reach your preservation age.

Depending on your year of birth you may have to wait until you turn 60 before you can access your super.

Case study

Karen is promoted to a senior management role and her annual salary increases from $70,000 to $80,000 per annum. She is offered the option of having the additional remuneration paid direct into her superannuation (salary sacrifice) or receiving it as income, which she could then contribute into superannuation. The following table compares the different outcomes of the two strategies including the first year's earnings on the contribution.

There is an obvious win-win for Karen by sacrificing the additional remuneration to super – she pays less tax and increases her superannuation balance by a larger amount. If you want to take advantage of saving tax through salary sacrificing to super, come and talk to us. We can assist you in determining if it's right for you, and if so, set up an effective arrangement to maximise your benefits in both the short and long term.

See chart for further information

John Vaitsas

P (07) 3012 9634 F (07) 3012 9699

E [email protected]

A Level 22, 127 Creek Street, Brisbane QLD 4000

Jonat Pty Ltd (AR 331995) trading as RFS Wealth Creation is a

Corporate Authorised Representative of Advice Evolution Pty Ltd

ABN 66 137 858 023 Australian Financial Services Licensee No 342880

02/02/2021

Today the RBA met for the first time in 2021 and have decided to leave the cash rate unchanged at 0.10%.

Our central bank will have been encouraged by recent better than expected unemployment and CPI numbers. It will also be keeping a close eye on rising house prices, lending growth, the continued impact of COVID-19 on our major trading partners, the Australian dollar and its effect on exporters and the looming reduction to government support packages.

Rates are at a record low and lenders continue to offer very competitive rates. An RFS broker can answer your questions and look at your circumstances to make sure you’re prepared for what could be coming next. This could mean refinancing or approaching your lender for a better rate. Because an RFS broker does this type of work every day, they have a pretty good idea what lenders can do to win or keep your business.

01/02/2021

Australian home values reach new record high

Housing values continued to rise through the first month of 2021 with CoreLogic's national home value index up 0.9% over the month.

10/09/2020

Queensland’s economic rebound from COVID-19 is forecast to be almost twice as strong as the Australian average, according to the Palaszczuk Government’s COVID-19 Fiscal and Economic Review released today.
https://statements.qld.gov.au/statements/90681