How to get on top of your finances post COVID-19



COVID-19 has wrought difficult times for most people in Australia. Employment has been hardest hit and many workers have had to face adjustments such as reduced hours of work, lower pay, lower revenue from business or even the loss of a job.

Historically, when financial markets are hit by shocks, there is a rebound and a return to a generation of income for investors. It is an important time now to look at your investments, your job, your business and work towards your longer-term financial health post COVID-19.

Australia’s Response – Restrictions

Despite the unprecedented crisis of this pandemic, Australia has responded with a collaborative approach on all fronts. Political decisions and community compliance with social distancing measures have helped Australia weather the initial wave of COVID-19. As of now, in most Australian states, health challenges have been flattened, but industry sectors have experienced different impacts from the various restrictions and lockdowns.

Australian’s geographic good fortune has also played its part. Now, it is up to Australia to take stock of impediments to financial growth and find opportunities in the crisis by focusing on reforms that support a return to high employment, that secure investment in Australian industry and that make it easier for individuals and companies to do business.

Individuals – Personal Financial Recovery

Many people can no longer rely solely on their jobs or careers and have been forced to adapt to life with a reduced income for the foreseeable future. During this time, it is essential that you keep an eye on your longer-term financial health and avoid unnecessary spending and debt.

As the economy improves, so too can your opportunity for wealth and securing your investments. People who have invested in property during the economic downturn need to carry out a financial health check to ensure they can sustain themselves over the coming months and years.

Where you have a job, having a discussion with your employer to determine the best approach to continuing your employment and requesting a review for increased hours and/or pay is vitally important.

Re-skilling or up-skilling through further education might be an option for you, especially where you find yourself currently without work.

When considering how to manage financially, seek professional advice from YML Group or your trusted financial advisor.

Companies – Business Financial Recovery

Australia’s business sector is linked to the global economy, particularly trade and tourism. The Australian economy is being unequally impacted: some industries are making progress and others are floundering.

To date, the Australian Government’s collaborative approach on a national level is seeing Australians supported through this financial crisis. Future changes to taxation, industrial relations, education and regulations will help to underpin the business sector.

In the meantime, actions taken by business operators and within individual business sectors can help financial recovery post COVID-19.

Where survival is in jeopardy, a business can look at building its resilience by:

Where a business is struggling but is hanging in there, it can aim for strengthening its workforce by:

Where a business has experienced a surge in revenue, it can position itself advantageously by:

Post COVID-19 – Moving forward

Conserving cashflow, budgeting, investing wisely and investigating industries with future growth potential, such as digital, healthcare, science and technology are all helpful to securing your financial future post COVID-19.

With the Australian Government’s prediction that unemployment could ease towards two digits by year’s end, the outlook for financial recovery appears glum, however individuals and businesses can do much to get on top of their finances with government assistance, early intervention with financial health checks and financial advice from experts.

How can YML help?

Talk to our YML Financial Planning Team today to see how YML Group can assist you with your financial health. Contact us on (02) 8383 4400, or by visiting the Contact Us page on our website.

General Outsourcing Services provided by YML



Business Process Outsourcing (BPO) is a valuable tool for Australian businesses. It enables an organisation to develop and utilise virtual working relationships in, for example, Manila of The Philippines. BPO can provide many advantages to onshore employees. It can enable Australian businesses to redistribute their onshore workforce and to refocus their internal resources to create a more robust business strategy.

Benefits of making practical and effective use of remote workers may include:


YML Group Outsource Manila manages your remote staffing needs. Your business processes can be fulfilled by dedicated, professional, industry-specific remote staff and YML will hire suitable staff and provide them with a safe and secure working environment in YML’s offshore office in Manila of The Philippines.

We have staff in Manila with the expertise and knowledge to fulfill all business processes including but not limited to:


You will be able to work directly with your remote staff in your time zone, developing protocols for effective communication via software tools and other technical channels with equivalent onshore employees.

YML is a leader in the field of BPO and we have helped many clients – individuals and SME companies – to build better businesses with the practice of outsourcing their business processes. Empower your organisation with BPO through YML Group Outsource Manila and watch your business grow.

How can YML help?

Talk to our YML Business Services Team today to see how YML Group can assist you with your BPO requirements. For more for more information, view our website and contact us on (02) 8383 4400 or by using our Contact Us page on our website.

Economic Stimulus Package Updates – JobKeeper 2.1



As a business owner, you may be eligible to access JobKeeper, a temporary wage subsidy, enabling businesses to pay each eligible employee $1,500 per fortnight until 27 September 2020. Lower tiered rates of JobKeeper will be available from 28 September 2020 until 28 March 2021.

On 7 August 2020, the Australian Government announced additional changes to the JobKeeper Payment scheme and those changes mean easier accessibility for many businesses and their employees.

Firstly, if your business currently receives JobKeeper, JobKeeper payments at the current rate of $1,500 per eligible employee will continue unchanged until 27 September 2020.

Thereafter, JobKeeper 2.1 kicks in and this is what you need to know:

Employee Eligibility Change – Affecting Current and Extended JobKeeper (2.1)

Until now, an employee was considered eligible for JobKeeper if they were employed for at least four weeks on 1 March 2020. From 3 August 2020, employee eligibility extends to those employees working for at least four weeks on 1 July 2020. This means more employees will be potentially able to access JobKeeper and receive financial support.

An eligible business may now claim JobKeeper for employees who worked full-time and part-time on 1 July 2020, casual employees who worked for over 12 months on 1 July 2020 and employees who turned 18 years of age between 1 March 2020 and 1 July 2020.

Turnover Test Change – Affecting Extended JobKeeper (2.1)

In the initial phase of JobKeeper, a business was required to provide evidence of multiple quarters of reduced turnover. From 3 August 2020, a business must now only show a reduction in the previous quarter for each quarter’s JobKeeper Payments to be received.

Under this basic turnover test, a comparison is made between your business’s GST turnover in a defined 2020 period compared with the same period 12 months prior.

Lower JobKeeper Rates – Affecting Extended JobKeeper (2.1)

JobKeeper 2.1 will be based on the hours worked by employees in the four weeks prior to 1 March 2020 or 1 July 2020. There will be two tiers of JobKeeper rates:

High Tier – $1,200 per fortnight until 3 January 2021, reducing thereafter to $1,000 per fortnight – for those employees who worked 20 hours or more per week.

Low Tier – $750 per fortnight until 3 January 2021, reducing thereafter to $650 per fortnight – for those employees who worked fewer than 20 hours per week.

Under JobKeeper 2.1 employers will pay a greater proportion of their employees’ wages because the minimum wage condition will still apply.

REMINDER – Employer Eligibility – Affecting Extended JobKeeper (2.1)

Employers of eligible businesses will need to reassess their eligibility at the end of September 2020 and again in early January 2021.

If you would like YML to manage the JobKeeper Incentive process for you, please do the following urgently:

If you would like YML to manage the NEW JobKeeper 2.1 Incentive process for you, please do the following urgently:



How can YML help?

We hope that this guide helps you to access the JobKeeper 2.1 Payment scheme independently if that is your preference. Alternatively, please talk to our Accountants today if you would like to engage YML Chartered Accountants to manage this application on your behalf. Contact us on (02) 8383 4400 or by visiting the Contact Us page on our website.

Should I leave my savings in the offset or in the redraw?



Once you have decided upon a lender offering you a competitive interest rate and you are making regular home loan repayments, where will you put your savings to help benefit your property investment.

There are two options linked to your home loan – offset and redraw accounts – and they both have convenient features.

Offset

An offset account provides a way to pay less interest on your full mortgage. It works like a savings account and the more money you put in to your offset account, the less interest you pay on your mortgage.

For example, if you have a $700,000 home loan with a 2.79% interest rate and an offset account with a balance of $60,000, then you will only pay interest on $640,000 of your home loan. Your offset account balance works to reduce the home loan amount that will be charged interest.

To make the most of an offset account, you can have your salary paid in to it or use it as your emergency savings. You have instant access to the funds in your offset account if you ever need them. Fees may apply.

Redraw

A redraw account is another useful tool and is a way for you to make extra repayments on your home loan. It works as a holding account for the additional repayments you choose to make on your home loan.

For example, if your repayment amount is $2500 each month, but you pay $2800, then the extra $300 goes in to a redraw account. Over ten years, that is $36,000 of extra repayments towards your home loan, helping you to pay off your home loan much faster.

You can also make lump sum payments in to a redraw account, reducing your initial mortgage amount. You have access to remove money from a redraw account any time. Fees may apply.

Offset vs Redraw

Whilst an offset account reduces the interest on your home loan, a redraw account means you make extra repayments.

Both accounts benefit homeowners, however an offset account is readily accessible without the limitation of redraw limits and/or fees. Furthermore, for investment property owners, extra repayments in a redraw account may not be claimed as a tax deduction if withdrawn early, whereas funds in an offset account which can be withdrawn anytime results in the full mortgage balance remaining tax deductible.

Homeowners and property investors, you need to ensure that you are making the most of these home loan facilities by regularly placing money in to these accounts and seeking professional financial advice before you do.

To help you decide whether an offset or a redraw account is best for you in your personal circumstances, consult YML Group for expert financial advice.

How can YML help?

Talk to our YML Finance Team today to see how YML Group can assist you with your mortgage strategy. Contact us on (02) 8383 4400 or by visiting the Contact Us page on our website.

Economic Stimulus Package Updates



Recently, the Australian Government announced that the JobKeeper program is effectively helping businesses to retain their employees. If your business currently receives JobKeeper, JobKeeper payments at the current rate of $1,500 per eligible employee will continue unchanged until 27 September 2020.

JobKeeper – REMINDER

As a business owner, you may be eligible to access JobKeeper, a temporary wage subsidy, enabling businesses to pay each eligible employee $1,500 per fortnight until 27 September 2020.

If you carried on a business in Australia and employed at least one person within your business on 1 March 2020, then your business is eligible for JobKeeper if it meets the basic decline in turnover test.

Under the basic turnover test, a comparison is made between your business’s GST turnover in a defined 2020 period compared with the same period 12 months prior.

A 30 per cent decline for businesses with a GST turnover of $1 billion or less is required to meet the test. Check your business’s eligibility using these five steps: https://www.ato.gov.au/General/JobKeeper-Payment/In-detail/JobKeeper-tests/Applying-the-turnover-test/?page=2#Basic_test

If you would like YML to manage the JobKeeper Incentive process for you, please do the following urgently: 

  1. Click on the link below to engage us and provide us with your bank account details
  2. https://app.hellosign.com/s/JTYX1jRe
  1. Click the link below if you are a business owner – and not an employee – for you to receive JobKeeper
  2. https://app.hellosign.com/s/Hu4BQXtt
  1. Provide the link below to your employees so that we can collate the employee information required for you to receive JobKeeper (you will also need to provide your employees with your ABN)
  2. https://app.hellosign.com/s/JhE06wTy
Please note that eligibility for JobKeeper payments stopped from 20 July for:
  1. employees of an approved provider of childcare services where the employee's ordinary duties are that they are principally engaged in the operation of the childcare centre
  2. eligible business participants where the business entity is an approved provider of a childcare service
NEW JobKeeper 2.0 – What you need to know

The extended JobKeeper wage subsidy program – JobKeeper 2.0 – will commence on 28 September and run until 28 March 2021.

Additional JobKeeper 2.0 eligibility testing will be conducted due to tighter access of the reduced JobKeeper rates during the second phase of the program. Employers of eligible businesses will need to reassess their eligibility at the end of September 2020 and again in early January 2021.

Turnover Decline Test

Business owners will be required to demonstrate actual decline in revenue against the comparable prior period/s in 2019, rather than use forecasts. Actual GST turnover decline must be shown to be at least 30 per cent for both the June and September quarters to be eligible for JobKeeper payments from 28 September 2020. Similarly, continuing actual GST turnover decline of at least 30 per cent for the December quarter must be shown to be eligible for JobKeeper payments from 4 January 2021 up until 28 March 2021.

Reduced JobKeeper Rates

JobKeeper 2.0 will be based on the hours worked by employees in the four weeks prior to 1 March 2020. There will be two tiers of JobKeeper rates:

High Tier – $1,200 per fortnight until 3 January 2021, reducing thereafter to $1,000 per fortnight – for those employees who worked 20 hours or more per week.

Low Tier – $750 per fortnight until 3 January 2021, reducing thereafter to $650 per fortnight – for those employees who worked fewer than 20 hours per week.

Under JobKeeper 2.0 employers will pay a greater proportion of their employees’ wages because the minimum wage condition will still apply.

If you would like YML to manage the NEW JobKeeper 2.0 Incentive process for you, please do the following urgently:

Click on the link below to engage us and provide us with your bank account details

https://app.hellosign.com/s/AQ4JJwKc

NSW Small Business Recovery Grant

The NSW Government has launched its Small Business Recovery Grant scheme to assist small business owners to reopen and/or upscale their businesses as part of NSW’s economic recovery. Eligible businesses may receive a grant of between $500 and $3,000.

To ease the pressure of re-opening or revitalising a business, the up-to-$3,000 cash grant may be used towards paying post-1 July 2020 business costs, including:

Eligibility

On 1 March 2020, you must:

Note: You may be eligible to receive the up-to-$3,000 Small Business Recovery Grant even if you have already received the up-to-$10,000 COVID-19 Small Business Support Grant.

Applications close at 11:59pm on Sunday 16 August 2020. Late applications will not be accepted.

If you would like YML to manage the NSW Small Business Recovery Grant process for you, please do the following urgently:

Click on the link below to engage us and provide us with your bank account details

https://app.hellosign.com/s/4KgGReKO

How can YML help?

We hope that this guide helps you to access the JobKeeper Payment scheme and NSW Small Business Recovery Grant scheme independently if that is your preference.  Alternatively, please talk to our Accountants today if you would like to engage YML Chartered Accountants to manage these applications on your behalf. Contact us on (02) 8383 4400 or by visiting the Contact Us page on our website.

Buying Property through your SMSF



Self-managed superannuation funds (SMSFs) can be used to purchase both residential and commercial properties with or without a mortgage from a lender. If your SMSF has a sufficient balance for a deposit, then you are likely in a position to consider property investment as part of your SMSF investment portfolio.

Investing in property through your SMSF is not as straightforward as property investment without the support of your superannuation. Timing is important and having at least 5 to 15 years until retirement can ensure a steady flow of contributions to your SMSF after purchasing any property.

The Australian Taxation Office (ATO) offers guidance for any property asset bought through a SMSF and these points should constitute part of your investment strategy:

There are several pros and cons of holding a property asset in your SMSF portfolio:

Pros

      Cons

          It is important to know that you, as trustee, are solely liable for the outcomes of your financial decisions for your SMSF. There is a risk that your investment strategy will not deliver the returns on investment that you planned or hoped, so it is highly advisable that you seek advice from a certified professional finance advisor.

How can YML help?

Talk to our YML Super Solutions Team today to see how YML Group can assist you with your SMSF. Contact us on (02) 8383 4400, or by visiting the Contact Us page on our website.

Digital Automation supporting Remote Work



Remote workers and the virtual workforce rely, by and large, on digital automation to deliver effective and efficient results for businesses. During the COVID-19 pandemic, we have seen a higher than normal need for businesses to automate their processes to support their employees who are working from home.

Working away from an office environment, employees can be assisted by and their work augmented by digital automation, particularly for those tasks not requiring human cognition or soft skills. Mundane manual and repetitive tasks can be programmed with specific software to process automatically, freeing up employees to undertake higher-value tasks that require human emotion and human intellect.

Digital automation can be easily achieved using a few software technologies. By combining Robotic Process Automation (RPA) with Artificial Intelligence (AI) such as Machine Learning (ML) and Natural Language Processing (NLP), a full Business Process Automation (BPA) can handle unstructured data and further reduce the need for human intervention.

Robotic Process Automation (RPA)

RPA is the use of software robots to process high volume, repeatable tasks by converting tasks in to automated steps, providing your business with advantageous propositions to:

  1. Improve accuracy – reduce human error;
  2. Save time – improve productivity;
  3. Standardise workflow;
  4. Provide consistent delivery of tasks;
  5. Improve compliance;
  6. Save money – reduce costs associated with manual processing.

Many industries, such as Banking, Finance, Insurance, Healthcare and Hospitality, use RPA to gain improved value from employees who are sooner freed to focus on building working relationships, developing strategies and performing customer service.

A common application of RPA is the automation of accounts payable. Where companies receive a high number of invoices from several to hundreds of suppliers, the invoices can be automatically scanned, reviewed, matched to purchase orders and approved for payment.

No longer are these tasks the job of human employees, enabling a business to consider fewer full-time employees and to reap the benefit of fewer errors. Within two to three months, RPA can automate large parts of the accounts department of a company enabling employees to focus on jobs that only human can do best.

Another example of successful implementation of RPA is in the hotel industry. Hotels typically run nightly audits – data consolidation of room occupancy, rates, customer credit checks, payments and surcharges – generating reports each morning. Increased customer satisfaction is gained from night-shift employees being able to focus on attending to the customer service of guests.

Hyperautomation

Hyperautomation, also known as Intelligent Automation (IA) is expanding the merit of RPA well beyond the limits of handling structured data, imitating human-computer interactions and performing data entry across multiple automated applications. Hyperautomation can now replace humans in tasks that require judgement and decision making.

Volumes of documents can be processed and approved, even analysed, automatically, eliminating the need for manual intervention including reading documentation, entering relevant data and copying information. Copying information is a chore, especially between different legacy systems, until such time as Hyperautomation and/or general Business Process Automation (BPA) is installed.

Spend your business’s money and your employees’ time on value-added resources, analyses and solutions to better service your customers. With your company’s insights, YML Innovation, one of Australia’s leaders in Business Process Automation (BPA), can successfully design and implement digital automation for your business. We have a team of qualified business analysts and solution architects to develop a bespoke software framework to interact with your internal computer system.

After deployment, regular monitoring and dedicated support is provided by YML Innovation, so that the benefits of digital automation can continue to be tangibly experienced by your business, your clients and your remote workforce.

How can YML help?

Talk to our YML Innovation Team today to see how YML Group can assist you with digital automation. For more for more information, view our website and contact us on (02) 8383 4400 or by using our Contact Us page on our website.

Funding to help small businesses re-open after COVID-19

If you own and run a small business, you might be eligible for a $3,000 grant to help you revive your business post the economic downturn caused by the COVID-19 pandemic. The new support funding is available from the existing $750 million Small Business Support Fund provided by the NSW Government.

Where you have been in survival mode, the NSW Government is encouraging you to kick-start your business by offering an immediate opportunity for small businesses to get back on their feet under its Small Business Recovery Grant scheme.

To ease the pressure of re-opening or revitalising your business, you may use the $3,000 cash grant towards paying for post-1 July 2020 business costs, including:


A small business will potentially need to meet criteria. The criteria can be confirmed once the NSW Government has announced it. If you would like to know what it is, we will contact you as soon as it is available. Please click here if you are interested.

One grant per ABN is available and applications for the $3,000 cash grant will open on Wednesday 1 July 2020 until 15 August 2020.

Now is the time to turn your small business around, welcome customers back and attract new ones. Make sure you give your business the best chance to recover and apply NOW.

YML Group has been collaboratively assisting small businesses throughout the difficult economic times of the COVID-19 pandemic. We can help you prepare and lodge your Small Business Recovery Grant application.

How can YML help?

Talk to our team today to see how YML Group can assist you. Contact us on (02) 8383 4400 or by visiting the Contact Us page on our website.

COVID-19 – Workers Compensation and JobKeeper



Workers who have been fortunate enough to continue working in their jobs during the COVID-19 pandemic face the risk of contracting COVID-19 during their employment. Should this occur to an employee of yours, you may be entitled to claim Workers Compensation for the affected employee under amended legislation.

Under a new section – section 19B – in the Workers Compensation Act 1987 (NSW), it is presumed that an affected employee’s ‘prescribed employment’ is the main and substantial contributing factor of any contraction of COVID-19. Thus, there is an automatic entitlement to compensation.

The definition of ‘prescribed employment’ is broad and allows for several industries including hospitality, retail, construction, aged care and health. Take the step to check your business’s eligibility to simplify the Workers Compensation claim process should the time come that your business needs it.

Insurance and Care NSW (icare)

When the wages your business pays are reduced in the current economic climate, report actual wages paid – regardless of whether an employee receives JobKeeper – and icare may refund any unused portion of your premium. Only work undertaken and/or hours worked are used to calculate your business’s icare premium. See table under JOBKEEPER.

JOBKEEPER

Your business financial circumstances, during the COVID-19 pandemic, may be used to determine how to best help pay your employees’ wages. As a business owner, you may be eligible to access the JobKeeper Payment scheme, a temporary government subsidy, enabling businesses to pay their eligible employees $1,500 per fortnight.

Business Eligibility

Did you carry on a business in Australia and employ at least one person within the business on 1 March 2020? If yes, then your business is eligible if it meets the basic decline in turnover test.

Under the basic turnover test, a comparison is made between your business’s monthly or quarterly GST turnover compared with the same period 12 months prior.

A 30 per cent decline for businesses with a GST turnover of $1 billion or less is required to meet the test. Check your business’s eligibility using these five steps: https://www.ato.gov.au/General/JobKeeper-Payment/In-detail/JobKeeper-tests/Applying-the-turnover-test/?page=2#Basic_test

Employee Eligibility

Your employee/s is eligible to receive a JobKeeper payment if they:

A person may be ineligible for a JobKeeper payment if:

Important – Business Monthly Declaration

From June 2020, you are required to complete a business monthly declaration to keep claiming JobKeeper payments. For each reported month, confirming your eligible employees, your GST turnover and projected GST turnover for the following month will be necessary for you to continue to receive JobKeeper. This information is used only to ascertain the effect the JobKeeper Payment scheme has on your business.

Seek help from your professional financial adviser who can lodge your business monthly declaration on your behalf.

Important – Wages Declaration

Remember to declare actual wages, exclusive of any JobKeeper payments, accurately:

Scenario Worker “in hibernation” and receiving JobKeeper Allowance ($1,500) only Worker working and earning more than just the JobKeeper Allowance Worker working and earning only the JobKeeper Allowance Worker at work and earning less than the JobKeeper Allowance (but their pay is increased to $1,500 under JobKeeper)
Example Worker earns no wages Workers earns $2,000 per fortnight (including JobKeeper subsidy) Worker only earns JobKeeper Allowance Worker earns $500 per fortnight but receives $1,500 in line with the JobKeeper Allowance
What do you declare? Nil declarable as wages $2,000 declarable as wages $1,500 declarable as wages $500 declarable as wages
 

Source: We're here to support you during COVID19 and beyond.pdf

How can YML help?

We hope that this guide helps you to access Workers Compensation and JobKeeper Payment scheme independently if that is your preference. Alternatively, please talk to our Accountants today if you would like to engage YML Chartered Accountants to manage the these processes on your behalf. Contact us on (02) 8383 4400 or by visiting the Contact Us page on our website.

COVID-19 – Travel Bans and Exemptions



In March 2020, due to the global COVID-19 pandemic, Australia’s international border was closed. A blanket travel ban was sanctioned and only those people – whether non-citizens, citizens or others – with permission to travel either in or out of Australia have been allowed to do so.

First, travel bans are in place. How do they affect you?

Entering Australia – Travel Ban – Australian Citizens and Residents

If you are an Australian citizen or a permanent resident (or a family member of either) or if you are a New Zealand citizen whose usual residence is in Australia, you may enter Australia from overseas.

            Who is deemed to be a ‘family member’?

            An immediate family member is a spouse, a de-facto partner, a dependent child or a legal guardian of a child.

Upon arrival in Australia, all travellers must spend 14 days in a designated place (such us a port-of-arrival hotel) under quarantine.

Entering Australia – Travel Ban – Non-citizens

If you are a non-citizen of Australia, over recent months you have been encouraged to leave Australia and return to your place of residence overseas.

Overseas travellers who wish to apply for an Australian visa to come to Australia are urged to reconsider at this time, but any online visa applications will be processed in due course, with consideration first being given to those persons requiring urgent travel. Currently, eligible persons with travel exemptions are being prioritised to receive visas.

            Application Processing Delay

            Generally, applications might require more time for lodgement and processing. Medical testing, English-language testing and             paper lodgements are just some of the services disrupted by the pandemic. YML Migration can help you prepare your             application.

Partner (subclasses 100, 309, 801, 820) and Child (subclasses 101, 102, 445) visa holders may enter Australia without requesting an exemption.

Currently, Prospective Marriage (subclass 300) visa holders are not permitted to enter Australia.

Leaving Australia – Travel Ban – Australian Citizens and Residents

If you are an Australian citizen or a permanent resident, you may not leave Australia unless you have an exemption.

Some of the reasons you may leave Australia include:

These reasons are carefully scrutinised and assessed on an individual basis. A high number of requests for travel exemptions have been denied despite what might seem to be compelling and/or compassionate factors.

In support of your online application for an exemption, you must compile evidence that you have reasonable cause for you to travel outside of Australia during the pandemic.

YML Migration can assist you with your collation of the necessary evidence. All supporting documentation must be in English and you should apply at least one week prior to your need to leave Australia.

How can YML help?

Talk to our Migration Agents today to see how YML Migration can assist you with your travel visa requirements. Contact us on (02) 8383 4400 or by visiting the Contact Us page on our website.