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Monday 8:30am - 5pm Tuesday 8:30am - 5pm Wednesday 8:30am - 5pm Thursday 8:30am - 5pm Friday 8:30am - 5pm

HPartners

Wealth creation and wealth management At HPartners, our focus is on helping you to successfully invest for your future.

We recognise that every client is different with different investment needs, so we tailor individual solutions. However, every tailored solution is built on a solid investment framework and core philosophy. Our services include:

Financial planning
Investment advice
Wealth creation
Pre and post-retirement planning
Risk and insurance analysis
Wealth protection
Portfolio reviews
Income prote

ction
Key person and partnership insurance
Mortgage management and debt reduction

Contact us today without obligation.

04/06/2026

https://hpartners.com.au/does-afterpay-affect-your-credit-score/
That little "Pay in 4" button is hard to resist. 🛍️

But here's something a lot of Australians don't know yet: as of June 2025, Afterpay and other Buy Now Pay Later services are now regulated like credit cards — which means they can affect your credit score.

Miss a payment? It can show up on your credit file.
Sign up for multiple BNPL services at once? Lenders notice.

The good news: a few simple habits keep you on the right side of it.

03/06/2026

Industry fund. Retail fund. SMSF. Which one is right for you? 🤷
Julia breaks it all down in under 2 minutes — no nonsense, no drama.
Hit play, then let us know if you've got questions 👇

02/06/2026

Your electricity bill is about to go down: https://hpartners.com.au/energy-prices-dropping/

From 1 July 2026, households across SE Queensland, NSW and South Australia will see energy prices drop — with Queenslanders saving around $216 a year on average.

Small businesses? Even better news — some are in line for drops of up to 20.9%.

But here's the real question: what are you going to do with the savings?

01/06/2026

https://hpartners.com.au/redundancy-calculator/

Redundancy is a bit like being unexpectedly dumped 💔 — except this breakup comes with paperwork, tax rules, and a payout that could change your next chapter.

The trick is knowing what you're actually owed (spoiler: it's often more than people realise) and what to do with it once it lands.

Our new blog covers:
✅ How to calculate your redundancy pay
✅ What's tax-free in 2025–26
✅ Where to find support
✅ Smart moves with the lump sum

29/05/2026

EOFY is creeping up faster than a Brisbane summer storm ⛈️ Here's your June 2026 ATO cheat sheet so nothing sneaks up on you:

🗓️ 5 June – Concessional lodgement date for individual and trust returns originally due 15 May (any liability needs to be paid by this date too)
🗓️ 21 June – May Monthly Activity Statement due
🗓️ 25 June – Electronic FBT returns due via tax agents
🗓️ 30 June – Super contributions must be received by employees' super funds to qualify as a deduction for the 2025–26 financial year

Want a chat about your year-end position before things get hectic? That's our bread and butter — flick us a message 👋

28/05/2026

https://hpartners.com.au/2-deposit-home-loans/

2% deposit home loan? In this economy? 😅

Actually… yes. As of late 2025, there are now TWO government-backed ways to buy a home in Australia with just 2% down. No, we're not making it up.

But before you start arguing with your partner about feature walls, there's a fair bit to weigh up — bigger repayments, negative equity risk, and the small matter of sharing your future profits with the government (in one of the schemes).

27/05/2026

Tax time doesn't have to feel like solving a Rubik's cube blindfolded. 📑
Whether you're an employee, investor, sole trader, or running a growing business, our team handles your tax return with accuracy, on-time lodgement, and a sharp eye for every deduction you're entitled to claim.

And we don't just lodge and disappear. While we're in the numbers, we look for ways to set you up for even better tax outcomes next year — because good tax planning shouldn't only happen in June.

Less stress, more clarity, and confidence that your tax affairs are sorted properly. ✅
Ready to make tax time the easiest part of your year? Link in bio to get started.

26/05/2026

🏘️ Rent forever: flexibility, no surprise repair bills, and the landlord deals with the dodgy plumbing.

🔨 Buy the fixer-upper: yes, the kitchen's stuck in 1987 and the carpet has secrets, but every dollar's building YOUR equity.

In today's market, which side are you on?
Drop your pick in the comments — bonus points if you tell us why. We promise not to judge your wallpaper choices. 🏠

25/05/2026

https://hpartners.com.au/tax-tables-lower-your-tax-bill/

PSA: You don't lose money by moving into a higher tax bracket. 🙅‍♀️
Only the dollars above the threshold get taxed at the higher rate. Your pay rise is safe. Promise.

We've explained how the Australian tax tables actually work (and how to use them to your advantage) on the blog

22/05/2026

Got an investment property? Here's a tax tip that could save you a few headaches come EOFY.

The interest on a loan used to buy, repair, or maintain a rental property is tax deductible — happy days. But here's where it gets tricky: if you've redrawn from that loan to fund a new ute, a holiday in Bali, or that pool you've been eyeing off, only the portion still tied to the property stays deductible.

Mix personal and investment borrowing on the same loan and you've got yourself a paperwork puzzle (and potentially a smaller refund at tax time).

Not sure where your loan stands? Have a yarn with our team before EOFY rolls around. A quick chat now can save you a world of stress later.

Address

Unit 2/12 Prescott Street
Toowoomba, QLD
4350

Opening Hours

Monday	8:30am - 5pm
Tuesday	8:30am - 5pm
Wednesday	8:30am - 5pm
Thursday	8:30am - 5pm
Friday	8:30am - 5pm

Telephone

+61746130000

Website

http://www.hpartners.com.au/

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