Joe Anto
Director — Influx Financial & OneHQ Accounting
- Tax planning & accounting
- Self-employed lending support
- Business finances
Accounting & Tax
Accounting and lending, finally on the same team
Influx Financial shares its leadership with OneHQ Accounting — which means your tax strategy and your loan strategy can be planned together instead of pulling in opposite directions. From individual returns to business accounting and investor tax planning, the numbers behind your lending are handled by people who understand both sides.
Who this is for
- Self-employed clients whose tax planning affects their borrowing power
- Property investors needing returns, planning and loan structure aligned
- Small businesses wanting accounting plus finance under one roof
- Individuals after a straightforward, well-handled tax return
The usual sticking points
Tax minimisation vs borrowing power
Aggressively minimising taxable income saves tax today and shrinks your borrowing capacity tomorrow. Most people discover the conflict at application time — too late.
Two advisers who never talk
When your accountant and broker work in isolation, loan structures get set up with avoidable tax consequences, and financials arrive at lenders in the wrong shape.
Investor paperwork piles up
Rental schedules, depreciation, interest apportionment and CGT records need discipline all year, not a shoebox in June.
How Influx helps
What we actually do about it
Coordinated tax and lending strategy
Planning a purchase next year? We plan this year's tax return with that application in mind — legitimately presenting your income at its documented best.
Business accounting that stays lender-ready
Bookkeeping, BAS and financial statements kept current means finance opportunities (and deadlines) never catch you without paperwork.
Investor tax done properly
Rental returns, depreciation coordination and clean interest apportionment that holds up — aligned with the loan structure we set up on the lending side.
Step by step
How the process runs
You'll know what's happening at every stage — this is the map.
- 1
Initial review
Your current tax position, structures and any lending plans — assessed together.
- 2
Plan & structure
A tax plan that supports rather than sabotages your finance goals.
- 3
Compliance handled
Returns, BAS and statements prepared and lodged on time.
- 4
Year-round coordination
Lending and accounting teams share context (with your consent) so nothing is siloed.
Worth knowing
Key considerations before you start
- Accounting and tax services are provided through OneHQ Accounting. [OWNER TO CONFIRM — OneHQ entity details and registered tax agent number]
- Tax advice is specific to your circumstances; this page is general information only.
- Coordinating tax and lending requires your consent to share information between the teams.
The information on this page is general in nature and does not take your personal objectives, financial situation or needs into account. Consider whether the information is appropriate for your circumstances and seek advice before acting on it. Lending criteria, fees and charges apply to all loan products.
FAQs
Accounting & Tax questions, answered
Who actually provides the accounting services?
OneHQ Accounting — a related business sharing a director with Influx Financial. Lending is provided by Influx Financial; accounting and tax services by OneHQ. You can use either service independently.
Can you do my individual tax return?
Yes. Individual returns are handled through OneHQ, including rental property schedules and self-employed income.
How does tax planning help my loan application?
Lenders assess the income your returns document. Planning ahead — the timing of deductions, how add-backs will read, when to lodge — can legitimately present your income at its strongest for an application, while staying fully compliant.
Do I have to use both services?
No. Plenty of clients use only the broking side or only the accounting side. The value of the combination is there when you want it.
Your specialist
Who you'll be working with
Related services
Also worth a look
Self-Employed Loans
Home loans for business owners, contractors and freelancers.
Learn moreInvestment Loans
Finance for property investors — loan structuring, equity access and lender comparison, with tax considerations handled alongside.
Learn moreCommercial Loans
Commercial property purchases, owner-occupied premises and business lending compared across banks and specialist lenders.
Learn moreGet both sides working together
Book a free consultation covering your tax and your lending in one conversation.
Or send an enquiry and we'll call you back.