Navwealth Group

“For me, bookkeeping has always been about more than the numbers. It’s about the people behind them.”

For Hayley, that means both her clients and her team.

She loves helping small business owners better understand their numbers, but just as importantly, she enjoys being part of their journey and supporting the team around her along the way.

And before the working day begins? There’s a good chance she’s already been for a sunrise swim at Collaroy, with coffee not far behind. ☕

Meet Hayley, one of the people behind Navwealth.

One of the things that can stop people from asking for financial advice is the feeling that they should already have everything under control.

You should have saved more.
Started earlier.
Paid down more debt.
Known what to do.

But real life rarely works that way.

People come to us at all sorts of stages: changing careers, raising families, growing businesses, buying property, preparing for retirement or simply trying to make sense of what comes next.

Our role isn’t to judge the decisions that brought you here.

It’s to understand where you are now, what matters to you and help you move forward with greater clarity and confidence.

Sometimes the best financial plan simply starts with a conversation.

🎉 Celebrating Our Team! 🎉

This month, we’re celebrating some wonderful work anniversaries across the Navwealth team!

Congratulations Chris, Mary Faith, Gay, Brent, Helen, and Jennifer.

Thank you all for the dedication, energy and support you bring to Navwealth each day. We’re grateful for everything you contribute to our clients, our culture and each other.

Congratulations on your milestones, and here’s to many more! 💙

“But I can afford the repayments.” 💸

It’s a conversation our Lending team hears regularly.

What you feel comfortable borrowing and what a lender is prepared to approve can sometimes be two very different numbers.

Lenders assess far more than the repayment attached to the loan you’re considering. Income, existing commitments, living expenses and serviceability assumptions can all influence the outcome.

In fact, APRA currently requires banks to assess new housing borrowers with a serviceability buffer of at least 3 percentage points above the loan rate.

That can be frustrating when the numbers don’t seem to reflect the way you manage your finances in real life.

This is where experience matters: understanding how lenders view your position, what may be influencing the outcome, and what options genuinely exist.

Sometimes the first answer isn’t the whole story.

Thank you, Meredith, for such thoughtful feedback. We truly appreciate your trust and are grateful to be part of your financial journey.

When did you last look at your insurance?💭

For many of us, it was probably around a big life event, buying a home, starting a family, or taking on a new financial commitment.

But life doesn't stand still. And the cover that suited you five or ten years ago may not be quite right for the life you're living today.

The aim isn't necessarily more cover. It's knowing that what you have still protects the people, lifestyle and future you've worked hard to build.

If you can't remember the last time you checked, perhaps that's your reminder. 💙

Take a closer look: https://buff.ly/n5eM4pu

“I love turning something complex into something clear and useful.”

It’s a simple line, but it tells you quite a lot about Nikhil.

As one of our Senior SMSF Accountants, much of his work happens alongside our advisers, auditors, and clients: solving problems, working through the detail, and helping the team find a clear way forward.

Meet Nikhil, one of the people behind Navwealth.

How are you coping with Payday Super?

Now that Payday Super is here, it’s a good time to check how your business is adjusting.

✔ Payroll
✔ Super payments
✔ Cash flow
✔ Internal systems

Are they all working together – or is the change creating more work?

As Hayley Kalms says:

"Good systems and processes can make all the difference."

A quick review now could make managing Payday Super much easier going forward.

Rates change. Income changes. Families grow. Expenses creep up. And sometimes a repayment that once comfortably fitted into life starts taking up much more room than you expected.

We have those conversations with clients all the time. 💫

Sometimes there is something worth changing. Sometimes the loan is still doing exactly what it should. The important thing is understanding where you stand rather than simply assuming you have to live with it.

The Navwealth Lending team has worked with borrowers through many different interest-rate cycles, and we know that lending decisions are rarely just about finding the lowest number on a screen.

They’re about finding something that still works for your life.