Generated by All in One SEO v4.9.7.2, this is an llms.txt file, used by LLMs to index the site. # mckay business services | conveyancing | land divisions | commercial | business settlements | leases ## Sitemaps - [XML Sitemap](https://www.mckaybusiness.com.au/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [blogs](https://www.mckaybusiness.com.au/blogs/) - [Introducing the new AML/CTF legislation](https://www.mckaybusiness.com.au/news-and-updates/introducing-the-new-aml-ctf-legislation/) - In 2024 The Commonwealth Government introduced legislation to expand the existing Anti Money Laundering and Counter Terrorism Act 2006 Financial crime costs up to $82 Billion AUD per year and the Commonwealth is working to close gaps which criminals have been exploiting such as using illicit funds to buy property. Australia must now comply with international - [SCAMS, FRAUD, CYBERCRIME AND PROPERTY](https://www.mckaybusiness.com.au/residential/scams-fraud/) - Scams & Fraud are now an everyday part of our lives and they are becoming more sophisticated and complex each day using 'Phishing' 'Vishing' and 'Smishing"..... - [WHAT IS A CERTIFICATE OF TITLE?](https://www.mckaybusiness.com.au/residential/what-is-a-certificate-of-title/) - During the process of buying or selling, your conveyancer will order an electronic copy of the Certificate of Title - often referred to as a 'CT'..... - [LOCAL NORWOOD CONVEYANCING](https://www.mckaybusiness.com.au/residential/local-norwood-conveyancing-services/) - The team at McKay Business Services have always been focussed on providing high quality conveyancing services toe Norwood and the Eastern Suburbs - [FAMILY / MATRIMONIAL TRANSFER & PROPERTY TITLE AMENDMENTS](https://www.mckaybusiness.com.au/residential/family-matrimonial-transfer-property-title-amendments/) - Life is forever changing for all of us &d sometimes the impact of these changes is beyond what we can see in front of us. Such changes may be from a maraiage... - [INTEREST RATE CUTS & INCREASES – HOW DO THEY AFFECT YOU?](https://www.mckaybusiness.com.au/industry-information/interest-rate-cuts-increases-how-do-they-affect-you/) - The Reserve Bank of Australia has held our interest rates at an all time low for some time now. This is good news for first home buyers... - [5 REASONS WHY CHOOSING YOUR OWN CONVEYANCER WILL MAKE YOUR LIFE EASIER!](https://www.mckaybusiness.com.au/residential/5-reasons-why-choosing-your-own-conveyancer-will-make-your-life-easier/) - Choose your own Conveyancer - select your own conveyancer as soon as you decide to buy or sell the property. It's probably your biggest financial transaction... - [FIXTURES & CHATTELS - WHAT ARE THEY?](https://www.mckaybusiness.com.au/residential/fixtures-and-chattels-what-are-they-2/) - When buying or selling your property, it can be difficult to understand the ins and outs of fixtures and chattels and what it can mean for you..Read more... - [BUYING A RESIDENTIAL PROPERTY](https://www.mckaybusiness.com.au/residential/buying-a-residential-property/) - So, you are thinking of buying a property which might just be your new home and you are asked ‘Who is your conveyancer?’. - [LOCAL BURNSIDE CONVEYANCING SERVICES](https://www.mckaybusiness.com.au/news-and-updates/local-burnside-conveyancing-services/) - In 1839 Peter Anderson a Scots migrant settled in SA and named his farm ‘Burn-side’ as his property was adjacent to Second Creek. ‘Burn’ means creek or stream. - [THE CORRECT ADDRESS IS CRUCIAL TO YOUR PURCHASE](https://www.mckaybusiness.com.au/land-divisions/your-correct-address-is-crucial-to-your-purchase-learn-why/) - The contract has been signed and the address has been noted by the agent as '3 Smith Street' on the contract. This is what the Vendor advised it should be... - [CERTIFIED PRACTISING CONVEYANCER (CPC)?](https://www.mckaybusiness.com.au/business/what-is-a-certified-practising-conveyancer-cpc/) - The title 'Certified Practising Conveyancer' is awarded to Conveyancers who annually meet the standards set by the AICSA. It is a sign of excellence and professionalism... - [FIRST HOME BUYERS GRANT](https://www.mckaybusiness.com.au/news-and-updates/first-home-buyers-grant/) - As a First Home Buyer it can be confusing as to which grants you may or may not be entitled to and how and when to apply. - [MCKAY BUSINESS SERVICES - ADELAIDE CONVEYANCERS](https://www.mckaybusiness.com.au/business/mckay-business-services-conveyancers/) - Denise McKay reflects on over her many years in the conveyancing industry and reviews how and where the business began and how it has grown throughout the years - [VERIFICATION OF IDENTITY (VOI) & VERIFICATION OF AUTHORITY (VOA) - WHAT ARE THEY?](https://www.mckaybusiness.com.au/news-and-updates/voi-voa-what-do-these-mean/) - VOI & VOA - Waht are they? Verification of identity (VOI) and Verification of Authority (VOA)e are fundamental requirements in the conveyancing process. - [PROPERTY BOUNDARIES - WHAT DO THEY MEAN FOR YOU?](https://www.mckaybusiness.com.au/land-divisions/property-boundaries-what-do-they-mean-for-you/) - A property boundary defines the extent of legal ownership of an area of land and can only be determined by a licensed surveyor.... - [FOREIGN RESIDENT CAPITAL GAINS WITHHOLDING (FRCGW)?](https://www.mckaybusiness.com.au/residential/what-is-foreign-resident-capital-gains-withholding-frcgw/) - On 1st January 2025 the Foreign Capital Gains Withholding? (FRCGW) will be changed &d ALL vendosr will now be be required to obtain an ATO clearance certificate - [UNAPPROVED ALTERATIONS AND ADDITIONS](https://www.mckaybusiness.com.au/residential/unapproved-alterations-and-additions/) - You have put in an offer for a house and have been given all the information about the property by the agent. Or have you? has that Rumpus Room been approved?.. - [BUYING A STRATA OR COMMUNITY TITLE PROPERTY – WHAT IS THE DIFFERENCE](https://www.mckaybusiness.com.au/business/buying-a-strata-or-community-title-property-what-is-the-difference/) - Purchasers regularly ask the question - "What is the difference between a Community Title and Strata Title; here are the comparisons that should assist you .... - [CHECKLISTS AND AUDITS IN A CONVEYANCING BUSINESS](https://www.mckaybusiness.com.au/residential/business-systems-procedures/) - Our Business has up to date systems and procedures always in place to ensure we operate to the highest standards guaranteeing optimum client efficiency... - [SEVEN WAYS TO INCREASE YOUR CHANCES WHEN BUYING AT AUCTION](https://www.mckaybusiness.com.au/residential/seven-ways-to-increase-your-chances-when-buying-at-auction/) - What do you need to have prepared before you attend the Auction and start to bid? Make sure you do your research on the property you are about to purchase.. - [A FEW QUICK TIPS TO HELP YOU FIND THE BEST CONVEYANCER](https://www.mckaybusiness.com.au/business/a-few-quick-tips-for-you-to-find-the-best-conveyancer/) - So you are thinking of buying or selling a property and then someone asks 'have you chosen a conveyancer' Many people don’t even know what a conveyancer is... - [5 KEY QUESTIONS ABOUT YOUR CONTRACT TO ASK YOUR CONVEYANCER](https://www.mckaybusiness.com.au/residential/what-are-easements/) - Here are 5 questions that you really need to ask your conveyancer in order to understand what is on the property you are purchasing & how it would affect you. - [BUYING A NEWLY BUILT APARTMENT OR DWELLING IN SA](https://www.mckaybusiness.com.au/residential/buying-a-newly-built-property-in-sa/) - Buying a new build or off the plan property may mean negotiations with the builder and/or entitle you to the First Home Owners Grant of up to $15,000. - [WHAT IS A DELAY IN SETTLEMENT AND HOW DOES IT AFFECT MY PROPERTY PURCHASE OR SALE?](https://www.mckaybusiness.com.au/business/delays-in-settlement-adelaide-conveyancing/) - A delay in settlement occurs when either the purchaser or vendor is not ready to settle on the day of settlement. This is not only stressful but can be also... - [DEATH OF A PARTY BEFORE SETTLEMENT](https://www.mckaybusiness.com.au/news-and-updates/death-of-a-party-before-settlement/) - There is already much to consider when it comes to the sale or purchase of a property, but what happens if a party to the transaction dies before settlement? - [TOP TIPS TO GET YOUR PROPERTY READY FOR SALE](https://www.mckaybusiness.com.au/residential/top-tips-to-get-your-property-ready-for-sale/) - As Conveyancers we mainly deal with the legal documentation & not what is actually involved directly in the actual sale process. Here are some tips... - [THE EVOLUTION FROM PAPER SETTLEMENTS TO ELECTRONIC SETTLEMENTS](https://www.mckaybusiness.com.au/industry-information/the-evolution-from-paper-settlements-to-electronic-settlements/) - Electronic Lodgement of Land Titles documents is now mandatory & paper settlements are now a thing of the past. What the process was & what it is from now on... - [FORM 1 AND COOLING OFF RIGHTS – WHAT ARE THEY?](https://www.mckaybusiness.com.au/residential/form-1-and-cooling-off-rights-what-are-they/) - Form 1 is the formal statement that must be served on the Purchaser, it provides the cooling off rights and certain details relating to the property being sold. - [A FEW TIPS FROM YOUR LOCAL WAIKERIE & RIVERLAND CONVEYANCER](https://www.mckaybusiness.com.au/business/a-few-tips-from-your-local-waikerie-riverland-conveyancer/) - Waikerie is a rural town in the Riverland region of South Australia on the south bank of the Murray River. The Sturt Highway passes to the south of the town at the top of the cliffs and there… - [INSURANCE AND RISK WHEN BUYING PROPERTY](https://www.mckaybusiness.com.au/residential/insurance-and-risk-when-buying-property/) - Insurance and Risk; you have entered into a Contract to buy a property and the question about Insurance arises. When should you insure the property? - [7 PROFESSIONALS YOU NEED WHEN BUYING AN INVESTMENT PROPERTY](https://www.mckaybusiness.com.au/residential/7-professionals-you-need-when-buying-an-investment-property/) - Purchasing an investment property in Adelaide? All successful property owners have a great network of professionals that includes a conveyancer on their team - [A GREAT CONVEYANCER OR A CHEAP CONVEYANCER - WHAT IS THE DIFFERENCE?](https://www.mckaybusiness.com.au/business/a-great-conveyancer-or-a-cheap-conveyancer-what-is-the-difference/) - Cheaper does not necessarily mean better, especially when using a Conveyancer - you need to ask what are they not doing to be cheaper ... - [HOW DO I SUBDIVIDE MY LAND?](https://www.mckaybusiness.com.au/land-divisions/how-do-i-subdivide-my-land/) - Subdividing is the process of dividing land into smaller blocks, your conveyancer can advise you of the process and protect you throughout the process... - [SEVEN QUESTIONS ABOUT CAVEATS](https://www.mckaybusiness.com.au/residential/seven-questions-about-caveats/) - There are a number of questions regarding Caveats. A Caveat can be placed on a Certificate of Title to protect a person's unregistered interest in the land... - [YOUR LOCAL CONVEYANCER IN PAYNEHAM - THE INS AND OUTS OF PURCHASING PROPERTY](https://www.mckaybusiness.com.au/mckay-business-services/your-local-conveyancer-in-payneham-the-ins-and-outs-of-purchasing-property/) - Payneham is a small eastern suburb of Adelaide in the City of Norwood Payneham St Peters council area and is due to have a new pool complex opening in 2024. - [SOME TIPS WHEN YOU ARE SELLING YOUR HOME](https://www.mckaybusiness.com.au/residential/some-tips-when-you-are-selling-your-home/) - If you are selling property then there are many things to do both before and after... here are a few tips that should assist you to obtain the best result... - [WATER LICENCES & CENTRAL IRRIGATION TRUST](https://www.mckaybusiness.com.au/residential/water-licences/) - Water licences are issued in accordance with the Natural Resources Management Act 2004 & provide the holder an entitlement to source an annual water allocation - [WHAT ARE EASEMENTS AND HOW DO THEY AFFECT ME?](https://www.mckaybusiness.com.au/land-divisions/what-are-easements-and-how-do-they-affect-me/) - An Easement is a right to use a part of land belonging to someone else for a specific purpose; your conveyancer will explain what you need to know - [BUYING OR SELLING A BUSINESS IN SA?](https://www.mckaybusiness.com.au/business/what-do-i-need-when-buying-or-selling-a-business-in-sa/) - Buying or selling a business in SA is a very different process to buying and purchasing property. Your Conveyancer can help minimise your risk by... - [COMMERCIAL LEASES | ADELAIDE CONVEYANCING](https://www.mckaybusiness.com.au/business/commercial-leases-adelaide-conveyancing/) - WHAT IS A COMMERCIAL LEASE? A commercial lease is a lease of a commercial property, including office space, industrial workshops, warehouses, retail shops ... - [THE INS AND OUTS OF BUYING A COMMERCIAL PROPERTY IN SA](https://www.mckaybusiness.com.au/business/the-ins-and-outs-of-buying-a-commercial-property-in-sa/) - If you are buying a commercial property in South Australia we will advise, inform and guide you on all matters to be considered by both vendors and purchasers.. - [THREE THINGS TO CONSIDER WHEN BUYING A TOWN HOUSE OR AN APARTMENT IN SA](https://www.mckaybusiness.com.au/business/three-things-to-consider-when-buying-a-town-house-or-an-apartment-in-sa/) - If you are buying a town house or apartment in South Australia then you will need to consider a few things that are different to purchasing a house, Any new... - [WHY YOU NEED A GREAT CONVEYANCER](https://www.mckaybusiness.com.au/residential/why-you-need-a-great-conveyancer/) - Once you have a contract in place for a property you want to purchase the agent will ask you for your conveyancer. So ‘Why do I need a Conveyancer?’ - [CAVEAT EMPTOR (BUYER BEWARE)](https://www.mckaybusiness.com.au/residential/caveat-emptor-buyer-beware-5-tips-when-purchasing-property/) - Caveat Emptor is a Latin term meaning “Buyer Beware”. The assumption is buyers will inspect and ensure they're confident with the integrity of the property... - [WHY DO I NEED A TAX DEPRECIATION SCHEDULE?](https://www.mckaybusiness.com.au/business/why-do-i-need-a-tax-depreciation-schedule/) - If you are buying an investment property then you should arrange for a tax depreciation schedule to be prepared for your accountant to get the tax benefits.... - [7 PROFESSIONALS TO CALL WHEN PURCHASING A BUSINESS](https://www.mckaybusiness.com.au/business/7-professionals-to-call-when-purchasing-a-business/) - When buying or selling an investment property it is important to have the right professionals to contact in order to get the best advice, so who are they? - [WHAT IS TITLE INSURANCE?](https://www.mckaybusiness.com.au/business/what-is-title-insurance/) - Title insurance is a specialty insurance policy that protects the legal ownership of your property and can cover you for costs arising from risks.... - [THREE THINGS TO CONSIDER IF YOU HAVE SIMULTANEOUS SETTLEMENTS](https://www.mckaybusiness.com.au/residential/simultaneous-settlements/) - Sometimes practical or financial circumstances dictate that a sale and purchase settlement is to be completed on the same day. Your conveyancers will... - [THREE TIPS FOR WHEN YOU BUY AN INVESTMENT PROPERTY](https://www.mckaybusiness.com.au/business/three-tips-for-when-you-buy-an-investment-property/) - Are you looking to buy an Investment Property? Here are some items to consider and reasons to have a plan in case something happens! - [WHAT DO I NEED TO KNOW ABOUT PRIVATE SALES?](https://www.mckaybusiness.com.au/residential/what-do-i-need-to-know-when-selling-property-privately/) - Are you selling privately or maybe purchasing a property or a business through private sale?.... Then you will need a conveyancer to prepare the legal.... - [GST WITHHOLDING AT SETTLEMENT](https://www.mckaybusiness.com.au/residential/gst-withholding-at-settlement/) - Since July 2018 it has been the obligation of the Purchaser to pay the GST component of the purchase price directly to the ATO instead of the Vendor ... - [E-CONVEYANCING – HOW IT WORKS](https://www.mckaybusiness.com.au/residential/e-conveyancing/) - Have you bought a property that was settled using Electronic Conveyancing (e-conveyancing). This system of transferring property has been in place for.... - [WHAT ARE SETTLEMENT ADJUSTMENTS?](https://www.mckaybusiness.com.au/residential/what-are-settlement-adjustments/) - Settlement adjustments apply to government departments such as the Local Council, SA Water, RevenueSA - [HELPFUL HINTS FOR WHEN YOU BUY PROPERTY FROM YOUR LOCAL CONVEYANCER IN MAGILL](https://www.mckaybusiness.com.au/residential/helpful-hints-for-when-you-buy-property/) - Before buying a home or investment property in SA there are a number of things that you should think about, here are some tips from us - [WHAT HAPPENS ON SETTLEMENT DAY?](https://www.mckaybusiness.com.au/residential/what-happens-on-settlement-day/) - Your conveyancer calls advising that everything is ready for settlement. You ask what happens next? What do I have to do? Here are a few of the questions that.. - [MCKAY BUSINESS SERVICES & FM CONVEYANCING HAVE MERGED!](https://www.mckaybusiness.com.au/business/mckay-business-services-and-fm-conveyancing-are-merging/) - FM CONVEYANCING We are very proud and excited to announce that McKay Business Services and FM Conveyancing have joined forces in a strategic merger as of Monday 8th February 2021 ## Pages - [home](https://www.mckaybusiness.com.au/) - McKay Business Services is a proud South Australian conveyancing firm servicing both Adelaide & the Riverland with offices located in Beulah Park and Waikerie. - [team](https://www.mckaybusiness.com.au/my-conveyancer/team/) - Meet the team of professional and experienced staff at mckay business services. Professional, communicative and friendly service at all times... - [faqs](https://www.mckaybusiness.com.au/faq/) - faq Why do I need a conveyancer ? A conveyancer is your representative when dealing with the banks, the agents and the other party’s conveyancer. It is a conveyancer’s job to calculate the adjustments of rates and taxes, prepare legal documents and attend to settlement on your behalf. It is also a conveyancer’s job to ensure that the - [Your local conveyancer in Waikerie](https://www.mckaybusiness.com.au/your-local-conveyancer-in-waikerie/) - Local Conveyancers in Waikerie We are proud and excited to announce McKay Business Services have expanded and have opened their second office located at Shop 3/14 White Street, Waikerie SA 5330. We provide conveyancing services for all the Riverland area including Waikerie, Berri, Blanchetown, Morgan, Barmara, Renmark, Monash, Swan Reach, Nurioopta, Kapunda, and surrounds. This - [resources](https://www.mckaybusiness.com.au/resources/) - When buying or selling an adelaide property or business, there are many things that may need to be considered. Check our resources for information to assist you - [commercial](https://www.mckaybusiness.com.au/conveyancing-services-adelaide/commercial-property/) - To assist you in buying Commercial Property in South Australia, we have set out below some matters to be considered by both vendors and purchasers. - [fees](https://www.mckaybusiness.com.au/fees/) - Each transaction can have a number of variables that need to be dealt with including encumbrances, easements, mortgages and fees will depend on what is required - [about](https://www.mckaybusiness.com.au/my-conveyancer/) - McKay Business Services are local Adelaide Conveyancers in the Eastern suburbs and Waikerie in the Riverland. Contact one of our qualified, experienced and professional conveyancers. - [contact](https://www.mckaybusiness.com.au/contact-adelaide-conveyancer/) - Contact us at Mckay Business Services for more information about any of our conveyancing services in either Adelaide or the Riverland. - [services](https://www.mckaybusiness.com.au/conveyancing-services-adelaide/) - For over 25 years at McKay Business Services we have provided South Australians with specialist services for all their conveyancing requirements - [testimonials](https://www.mckaybusiness.com.au/testimonials/) - McKay Business Services has received many glowing testimonials about their exceptional service to their clinets - [businesses](https://www.mckaybusiness.com.au/conveyancing-services-adelaide/businesses/) - Buying or selling a business in SA is a very different process to buying or selling property. We as your conveyancer can assist with the process. - [land divisions](https://www.mckaybusiness.com.au/conveyancing-services-adelaide/land-divisions/) - We act for many developers in Adelaide and can guide you through the process of subdividing your land. Here are a few pointers to answer your questions..... - [residential](https://www.mckaybusiness.com.au/conveyancing-services-adelaide/residential/) - If you are buying or selling property, then there are many things that need to be considered both before and after the sale. Your local conveyancer can assist - [FM Conveyancing](https://www.mckaybusiness.com.au/fm-conveyancing/) - Phone 8333 3525 or email info@ mckaybusiness.com.au FM CONVEYANCING Phone 8363 4481 or email fran@mckaybusiness.com.au We are very proud and excited to announce that McKay Business Services and FM Conveyancing have joined forces in a strategic merger as of Monday 8th February 2021 Denise McKay will remain at the helm of the company, along with ## Team - [Denise McKay](https://www.mckaybusiness.com.au/team-members/denise-mckay/) - Denise’s enthusiasm and passion is obvious to any who meet her, and her extensive conveyancing knowledge is almost unparalleled in the conveyancing industry - [Karri-Anne Tyler](https://www.mckaybusiness.com.au/team-members/karri-anne-tyler/) - Karri-Anne is our Admin assistant in Waikerie and looks after our clients in the Riverland and has only recently realised her untapped passion for office work - [Kate Melvin](https://www.mckaybusiness.com.au/team-members/kate-melvin/) - Kate is a Senior Registered Conveyancer and has worked with Denise since 2014. During 2020, Kate became one of the co-owners of McKay Business Services, along with Denise and Katherine. Kate manages business settlements along with residential and commercial properties and commercial leases. Her consummate professionalism and generous nature is a huge asset to our - [Katherine Edwards](https://www.mckaybusiness.com.au/team-members/katherine-edwards/) - Katherine is one of our Certified Practising Conveyancers, and has been with us since 2016. She initially developed a keen interest in property matters, specifically conveyancing, when she decided on her own ‘tree change’ and moved up to the stunning Adelaide Hills. During 2020, Katherine was delighted to become one of the co-owners of McKay - [Michele Lemon-Spence](https://www.mckaybusiness.com.au/team-members/michele-lemon-spence/) - Michele is our Business Settlement Specialist, assisting us in this rapidly growing part of our business. Michele has a background in banking, and has over 10 years experience in helping small business owners successfully buy or sell and her knowledge and experience is second to none and we are very fortunate that she has chosen ## Testimonials - [W Gatakamani](https://www.mckaybusiness.com.au/testimonial/w-gatakamani/) - [Ann L](https://www.mckaybusiness.com.au/testimonial/ann-l/) - [Emma Nottle & Michael Crisp](https://www.mckaybusiness.com.au/testimonial/john-smith-3/) - [Jason B](https://www.mckaybusiness.com.au/testimonial/jason-b/) - [Ivana Di Stasio](https://www.mckaybusiness.com.au/testimonial/ivana-di-stasio/) - [Jarrod Harper](https://www.mckaybusiness.com.au/testimonial/jarrod-harper/) - [Hector Xu](https://www.mckaybusiness.com.au/testimonial/hector-xu/) - [Asha Fuller](https://www.mckaybusiness.com.au/testimonial/asha-fuller/) - [Lynda Acharya](https://www.mckaybusiness.com.au/testimonial/lynda-acharya/) - [Peta W](https://www.mckaybusiness.com.au/testimonial/peta/) - [Cathryn Smith](https://www.mckaybusiness.com.au/testimonial/cathryn-smith/) - [Samantha C](https://www.mckaybusiness.com.au/testimonial/samantha-c-2/) - [Michael K](https://www.mckaybusiness.com.au/testimonial/michael/) - [Kay M](https://www.mckaybusiness.com.au/testimonial/kay-m/) - [Greg S](https://www.mckaybusiness.com.au/testimonial/greg-s/) - [Melissa V](https://www.mckaybusiness.com.au/testimonial/melissa-v/) - [Lavanya C](https://www.mckaybusiness.com.au/testimonial/lavanya-c/) - [Ornella Portolesi](https://www.mckaybusiness.com.au/testimonial/ornella-portolesi/) - [Christina E](https://www.mckaybusiness.com.au/testimonial/christina-e/) - [Samantha C](https://www.mckaybusiness.com.au/testimonial/samantha-c/) - [Cale S](https://www.mckaybusiness.com.au/testimonial/cale/) - [Megan D](https://www.mckaybusiness.com.au/testimonial/megan-d/) - [Kaycee L](https://www.mckaybusiness.com.au/testimonial/kaycee-l/) - [Ben R](https://www.mckaybusiness.com.au/testimonial/ben-r/) - [Annette T](https://www.mckaybusiness.com.au/testimonial/annette-t/) - [SAM H](https://www.mckaybusiness.com.au/testimonial/sam-h/) - 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