23/10/2026
⚠️ ATO debt doesn’t just wait quietly in the background…
If you’re carrying any kind of ATO debt — personal, business, contractor, self‑employed — here’s what most people don’t realise:
Interest compounds daily
It’s no longer tax deductible
Some debts can be reported to credit bureaus
That means your tax debt isn’t just growing… it could also be affecting your credit score, your borrowing power, and your ability to refinance or invest down the track.
Whether you fell behind after a tough year, you’re juggling BAS and PAYG, or you’re simply trying to catch up — understanding how lenders view ATO debt is crucial. It can shape what you can borrow, when you can borrow, and the options available to you.
You don’t have to figure this out alone.
I help clients every day navigate tax debt and lending, so they can move forward with clarity instead of stress.
Michelle Nightingale
Finance & Mortgage Broker – Keylend
📞 0411 863 865
📧 [email protected]
Empowering women, families & business owners across Adelaide Hills and beyond.
