Sydney: (02) 9264 8988 Melbourne: (03) 9670 0895

YingXin Chartered Accounting

Imagine what you can achieve with our accounting experts


Based in Melbourne & Sydney

Lay back and enjoy a flexible mortgage strategy

Established in 1955, Yingxin is a long established chartered accounting firm delivering quality accounting and mortgage in Melbourne and Sydney.

About YingXin Wealth Management

Our mission is to help our valued customers to own their financial future by serving the very best tailored mortgage and accounting solutions.

YINGXIN was established in Sydney in 1955, to provide accounting and mortgage services to individuals and enterprises.

Over the years, we have catered to our clients needs and now offer a ONE-Stop solution right from accounting and taxation to other business advisory services.

As Certified Practicing Accountants (CPA’s) and Charted Accountants (CA's), we pride ourselves on being experts with the latest developments relating to business and taxation. We also uphold the ethical and professional standards of the various institutes we are accredited to.

We as a professional public practice firm, provide high quality taxation and business advice to our clients through a personalised service at competitive rates. Our team has years of experience and are constantly developing their knowledge to assist clients relying on us to build and grow their personal and business wealth, through a proactive, efficient and unique approach.

After years of development, we have set up many offices in Sydney, Drummoyne, Parramatta and Melbourne. The firm continues to grow, largely as a result of referrals from existing clients. YINGXIN has launched the first office to cater for Chinese background clients and received extensive compliments because of its outstanding service quality. We service the needs of clients not only in NSW but also interstate, ranging from small family businesses to large companies with branches throughout Australia, and overseas.

Whether you are an established business, a new business, company, partnership or sole trader, we have an extensive range of services that are tailor made to meet your needs.

We understand your time is valuable. Our aim is to allow you to focus your energy on growing your business. If you have complex taxation or financial planning matters, we have specialist advisors who can provide expert advice to enhance your financial future.

We keep you in YINGXIN.

What We Offer

Objective Advice

We are an independently owned, fee for service practice. We don’t accept commissions so that we can guarantee we are providing you with objective, best practice advice.

Service Attitude

We uphold the highest standards of integrity and stand behind what we say and do. We know that trust must be earned continually, and are committed to transparency in our financial disclosures.

Higher Expectation

Our point of difference is that we can offer much more than expected service, we also offer a whole range of business services and help to solve your potential problems.

Accounting Services

Our firm is committed to providing tailored advice to each of our clients, who enjoy direct, personal access to our professional team.

At YINGXIN Accounting, we are dedicated to building a close relationship with our clients which enable us to have a knowledge of your situation and offer customized tax advice for you. We are serving as your agent with the Australian Taxation Office for anything associated with your taxation affairs, ensuring that all your compliance obligations are met.

YINGXIN offers a full range of taxation and accounting services from general tax advice to detailed tax effective planning and more:

  • Individual Tax Returns Lodgement
  • Business Tax Returns Lodgement
  • Trust and Self Managed Super Fund Tax Return Lodgement
  • PAYG and superannuation compliance
  • Tax planning and minimisation
  • Capital gains taxation planning
  • Company and Trust Registration

Our enthusiastic team are eager to utilise their expertise to free you from the complicated tax issues and effectively manage your tax burdens. Paying tax is a good thing, it means you are making money/profits. Our role at YINGXIN is to ensure that you don’t pay any more than necessary. We encourage you to come and meet us early for preparing and lodge your tax returns.

  • Individual Tax Returns
  • Maximise Your Return

    Our experts can assist all your individual taxation needs, making your tax return quick and efficient.

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  • Business Tax Returns
  • Don't get lost in the red tape

    Make sure your business, no matter what size, is compliant with the Australian Taxation Office

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  • Trust & SMSF Tax Returns
  • Take control of your tax

    We are here to help you meet your obligations and make the most of your superannuation.

  • Read More
  • Business Structuring
  • Ensure your business for success

    It's essential to choose the business structure that best suits your needs.

  • Read More

Mortgage Services

We get to know you, your family, your concerns, fears, goals and dreams before we start your personalised financial plan. We then work with you one-on-one through the financial planning process.

Whether you are buying your first home or the next one, investing or refinancing, we will investigate the mortgage market to find out the most suitable mortgage product for you, solve all your problems, prepare the paperwork and lodge your application to the bank with our recommendations. We will keep track of the lenders and keep all parties informed up to date with progress all the way through to settlement, making the process as smooth as possible. The mortgage market is becoming increasingly complex, with thousands of different products and different lenders frequently changing their policies and pricing in line with their appetite for business. Given this, one of the best things you can do when buying property is to work with an expert. It’s never too early to chat with our experienced mortgage brokers.

There are thousands of different mortgages available in Australia, and it is often hard to know which one is best for your needs. Our experienced mortgage team will help you make sense of the world of home loans

Deal with professionals who are experienced and know what they are talking about. We know how complex financing can be and provide you with a number of options suitable for your unique situation.

You may be surprised at some of the innovative ways in which we can structure loans to help meet your particular lifestyle and financial needs. Let us help create flexible solutions for you.

What We Do For You

Our mortgage brokers will meet with you, listen to your needs and assess your financial circumstances to ensure we find a suitable loan for you. YINGXIN mortgage brokers have access to a wide range of loan products from a variety of lenders. You can be sure of options from major banks and many other leading mortgage providers. We will:

  • Assess your financial circumstances and needs
  • Compare hundreds of home loan deals to find the right one for you.
  • Give you expert advice to help you find the right deal and mortgage structure for your situation.
  • Clearly explain the fees, costs and conditions associated with home loans.
  • Help you fill out all the mortgage application paperwork and guide you through the process to make your life easier.
  • Provide expert advice and support throughout the process.
  • Commerical Loan
  • Understand where you want to be.

    We looks at all aspects of your personal and financial life to secure a loan for you.

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  • Trust Loans
  • Make smarter decisions with your investments

    Getting quality investment advice is the cornerstone to building long term wealth.

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  • SMSF Loans
  • Utilise what you already have

    We are here to help you meet your obligations and make the most of your superannuation.

  • Read More

Contact Us

We'd love to get in touch and we welcome any enquiry that you may have.

Melbourne City Office

  • Address: S801/343 Little Collins St, Melbourne VIC 3000
  • Phone: (03) 9670 0895
  • Email: melb.admin@yingxin.com.au
  • Hours: Monday – Friday 9.00am - 5.30pm

Sydney City Office

  • Phone: (02) 9264 8988
  • Email: info@yingxin.com.au
  • Hours: Monday – Friday 9.00am - 5.30pm

Parramatta Office

  • Address: 20 Grose St, North Parramatta NSW 2151
  • Phone: (02) 9264 8988
  • Website: www.ksblack.com.au
  • Hours: Monday – Friday 8.30am - 5.00pm

Drummoyne Office

  • Address: 75 Lyons Rd, Drummoyne NSW 2047
  • Phone: (02) 9264 8988
  • Email: www.losurdobraithwaite.com.au
  • Hours: Monday – Friday 8.30am - 5.00pm

Sydney North Office

  • Phone: (02) 9264 8988
  • Hours: Monday – Friday 8.30am - 5.00pm

Individual Tax Returns

With more than 60 years of experience in the taxation industry, we can help you with everything from a basic PAYG tax return to complex investment-related returns.

We help you stay up to date with all your tax returns, from managing deductions to keeping track of all expenses and informing you of relevant changes to Australian taxation law. We have a long track record of assisting individual clients in preparing and lodging their tax returns, with a focus on achieving the best possible outcome.

We work with individuals from a wide range of salary levels and with many different goals, guiding them through the taxation process to achieve the best results possible on their tax return. We help to avoid unexpected tax bills and keep our clients in the ATO’s good books.

At YINGXIN, we know that each client is unique, an individual who deserves focus and niche solutions to their problems. We treat everyone as a premium account and will collaborate with you to ensure the expertise and advice you are receiving is exactly what your need.

Make an appointment by contacting our office at (02) 9264 8988. Meet with one our tax experts and we will help you keep your taxes in order.

Business Tax Returns

Don't mind your own business

We give you a level of security for your business that you won't find anywhere else, and we're here to help you with every decision surrounding business tax. It is important to remain fully tax compliant. Your company's individual needs are unique and we can help you take care of your tax.

Working with us will pay dividends beyond simply minimizing tax and watching budgets.

Effective Tax Management

YINGXIN will assist you in setting up and introducing effective tax management processes at any step in your business. Ensuring that your business is ready to meet the ATO’s requirements is best done when starting your business, but we can also help when enacting these steps at later dates.

Business Tax and More

Looking after the company tax return for your business is one of the most crucial tasks for your accountant. We can make this process as streamlined and headache free as possible, ensuring that your return is lodged and that all paperwork is correctly filled and filed.

Trust & SMSF Tax Returns

Australian taxation law is among the most complex in the world, and SMSF tax is one of the most difficult areas.

Some taxpayers go it alone, managing their SMSF and all their tax returns without any expert help – and they often pay for it later when an unexpected ATO assessment hits them with thousands in taxes owing.

An SMSF tax problem can erase the valuable gains made within a super fund. That could be a disaster for you, as an investor and as a future retiree.

YINGXIN SMSF tax return team makes sure your Self-Managed Super Fund is ATO-compliant and their goal is to minimise your taxes, so you have more to retire on later.

Business Structuring

At YINGXIN we can help you start up and register your business entities. It’s important to remember to seek our advice on the range of business entities on offer that will best suit your needs depending on your personal circumstances and future goals.

We can assist you to register Self-Managed Super Funds, Company’s, Trusts, Partnerships and other entities depending on your needs.

Each entity has different implications and accounting methodology that is required at the end of each year. Some allow for greater flexibility than others in terms of the distributions of funds to trustees and beneficiaries.

We can guide you into establishing smart business structures that will work for you. You may find that the best solution to use a company as a business structure; trusts could be a better alternative for your needs. We can register these entities on your behalf to make sure you set up structures that protect assets and minimise tax implications.

Call YINGXIN today to find out more. We are the experts in restructuring and developing strategies to best manage business process that is aligned with your needs and requirements both from a business perspective and for personal wealth.

Commercial Loan

YINGXIN are experts in commercial and business loans. With great industry connections, YINGXIN achieves excellent results with quick turnaround times.

If you would like to purchase a commercial property or if you are interested in purchasing a business, YINGXIN has specialist commercial lenders who can evaluate the commercial lending market to find the most suitable product and apply for a loan on your behalf. We hold key relationships and have the knowledge and experience with all lenders which is important when presenting a transaction to the lenders. Our areas of expertise include:

Commercial Property - Hotels and Factories.

Business - Small or Large Retail Businesses, Accountancy Practices, Childcare, Nursing Homes and etc.

Trust Loan

What documents do banks look for?

When a lender receives a trust application they will carry out a full credit assessment to decide if they should approve the loan.

When assessing the loan they tend to look for:

We know what the banks look for when it comes to trusts!

Benefits of buying property in a trust name:

Tax benefit

You may be able to reduce your tax bill by distributing income to family members with lower taxable income.

Asset protection

Trusts allow you to control and receive income from assets without having them in your name.

This may protect these assets in the event that you’re sued or you go through a divorce.

Estate planning

Some trusts may allow you to effectively pass assets on to future generations without paying excessive taxes or going through estate disputes.

Check out the trust information page for tips on investing using a trust.

Banks and other lenders in Australia tend to view trusts as extra work for them without any extra reward.

Trust applications are very complex, often with legal issues to consider, as well as more extensive paperwork to complete before approving the loan.

The majority of bank managers, mortgage brokers and credit staff don’t understand how trusts work so trust applications tend to get bounced between bank departments, resulting in delays and errors

On top of this, many bank managers don’t actually know if their own bank does trust loans as many banks have ambiguous credit policies.

One of Australia’s major banks in particular can’t lend residential loans for trusts simply because their computer system can’t handle them!
We are mortgage brokers that specialise in financing loans for trusts.

Please contact us on (02) 9264 8988 or complete our free assessment form to find out which lenders will allow you to borrow for your trust.

SMSF Loan

An SMSF loan is a home loan used by a self-managed super fund (SMSF) to buy an investment property. The returns on the investment – whether that’s rental income or capital gains – are funnelled back into the super fund, increasing your retirement savings.

Investing in property within superannuation is not as straightforward as investing outside the superannuation environment. All investments need to be in the best interests of fund members and in accordance with the laws around SMSF borrowing. As such, any property investment should have an income stream and realistic prospects for capital growth.

How will the banks assess my borrowing capacity?

The main hurdle encountered by most SMSF applicants is proving that there is sufficient income in the trust to support the loan.

Typically, the banks will look at the current income of the trust based on its previous two years tax returns and will then assess if that income plus the proposed rental income will be sufficient to service the debt.

Some lenders can also use the income of members or beneficiaries of the SMSF to support the application if a personal guarantee is provided.

You can use our SMSF borrowing power calculator to see how some of our banks would assess your situation.

Rules relating to Self-Managed Super Funds

There are special rules governing how super funds must be run:

How do I apply for an SMSF loan?

There are few mortgage brokers or bank managers that understand Self-Managed Super Funds (SMSF), and even fewer who are experts in lending to them.

By using our services, you can get the best advice for your SMSF trust loan with the cooperation of our lending specialist and senior financial planner.

Please call us on (02) 9264 8988 or fill in our free assessment form to discuss your loan with one of our mortgage brokers.