The smart, simple way to handle all your financials.
Clarity and confidence with our integrated financial solutions.
We connect the dots between your accounting, tax position, lending capacity, and wealth strategy so every decision compounds.
Financial planning focus on building and protecting your wealth.
We have an extensive selection of finance options that other lenders can't match.
Can one firm handle my accounting, home loan and financial planning?
Yes, and that is the point of Ledgersmith. Accounting, tax, lending and wealth advice sit in one team working from the same numbers, so your borrowing capacity, tax position and long-term plan are decided together rather than in three separate offices. More than 5,000 clients across Australia work with us this way.
When is it worth getting an accountant or financial adviser?
The moment your income matters, not the moment something breaks. Starting a business, buying property, a pay rise, an inheritance or a change in family circumstances are all points where early advice widens your options. Most people wait too long, and by then the choices have narrowed.
Do you work with sole traders and small businesses?
All of them. Individuals and sole traders, growing businesses, and multi-entity groups with a few companies and trusts in the mix. What changes is the depth of the work, not whether we can help.
Can you work with clients anywhere in Australia?
Five staffed offices: Sutherland in Sydney's south, Wollongong, Leura in the Blue Mountains, the Sunshine Coast and Melbourne. Most of the work happens online and by phone, so clients anywhere in Australia get the same team and the same service.
What types of loans can Ledgersmith arrange?
Home loans and refinancing, investment property lending, business loans, equipment and asset finance, and commercial property finance. We compare lenders across the market rather than working from one bank's product list.
Is a mortgage broker better than going straight to my bank?
A bank can only offer its own products. A broker compares lenders, and at Ledgersmith your broker sits alongside the accountant who already knows your income, structure and tax position. Borrowing capacity and loan structure get decided together, in one conversation rather than three.
How do self-employed people get approved for a home loan?
By evidencing income properly. Self-employed applications live or die on how the numbers are presented, and here the financials are prepared by the same firm putting the application together. Nobody has to guess at your real position, and the lender sees a clean, consistent picture.
How often should I refinance or review my home loan?
Every year, or sooner if your income, family or business circumstances change. A loan review is obligation free: we check your current rate and structure against what is available now and tell you plainly whether moving is worth it.
What does a financial planner actually do for you?
Builds one plan that covers investments, retirement, superannuation, insurance, tax strategy and estate planning together, then keeps it on track as life changes. The value is in the joins: decisions in one area affect all the others, and a planner makes sure nothing gets missed.
How much money do you need to see a financial adviser?
There is no minimum. Good planning works at any level, whether you are just starting out or managing substantial assets. The principles are the same: we work with where you are now and build from there. Fees are agreed in writing before any work starts.
Are your financial advisers licensed, and who will I deal with?
Yes. Ledgersmith Wealth Pty Ltd is a Corporate Authorised Representative of Spark Advisors Australia Pty Ltd, AFSL 380552, and every adviser is individually authorised. You deal with a named adviser, not a call centre, and you speak to the same person at review time.
What happens at a free discovery call with Ledgersmith?
A conversation, not a pitch. We work out where you stand today, what you want the money to do, and whether we are the right fit. It costs nothing, and you leave knowing what the next step looks like.
