By Julian & Renee (Australia) – with writing support from Alberto Aldana (Colombia)
On 1 July 2026, all employers in Australia, including small businesses such as conveyancing practices with fewer than 10 staff, will have to change the way superannuation is paid due to the new Payday Super rules. Businesses will need to change the way payroll is processed, manage cash flow, and remain compliant with the ATO’s changing tax and super frameworks. Under the Payday Superannuation regime, employers must pay superannuation guarantee contributions (SGC) on each payday (instead of quarterly) and meet tight deadlines to ensure those SGC payments reach employees’ super funds.
For conveyancers, Payday Super will affect both vendors and purchasers indirectly through the business’ administrative and payroll obligations. Here’s how:
- If you’re a small Sydney firm helping clients in suburbs like Blacktown, Kellyville, Quakers Hill, or The Ponds, or a boutique team servicing areas such as Baulkham Hills, Castle Hill, Windsor, or Glenhaven, you need to be aware of the changes to Payday Super.
- Payroll system changes: If you employ casual or part-time staff, contractors who meet Superannuation Guarantee (SG) criteria, or apprentice assistants, your payroll system will need to be updated to:
✓ Calculate SG on qualifying earnings (QE), which is now the new base for super contributions.
✓ QE expands on ordinary time earnings.
- Transition from the quarterly system: With the end of the old quarterly system, your payroll or software provider must ensure that:
✓ Super contributions are made within 7 business days of payday.
✓ Contributions are processed and received by super funds according to SuperStream standards.
There are serious implications if your business is unprepared. Your conveyancing business may be liable for a Super Guarantee Charge, interest that compounds daily, and penalties if the new super payments are missed. As the ATO implements a real-time data-matching system through Single Touch Payroll, late or incorrect super payments will be detected much faster than under the previous quarterly system. This may result in unexpected expenses, ATO compliance actions, and disruption to your close-knit team, which in a small firm can lead to delays in client service or cash flow strain.
Due to the Small Business Superannuation Clearing House (SBSCH) closing permanently on 1 July 2026, any practice that has relied on that free service will need to move to another clearing house or payroll solution well before that date.
The ATO has created various materials, including factsheets, checklists, and videos, to assist businesses with their preparation, and you can watch them here:
The ATO has created various materials, including factsheets, checklists and videos, to assist businesses with their preparation, and you can watch them here:
Julian and Renee, the brains behind Flash Conveyancing, are experts in property transactions throughout NSW. Having dealt extensively with councils and markets from Blacktown and The Hills through to Hornsby, Parramatta and the Blue Mountains, they provide a personal touch with every settlement. We understand that purchasing your first home in Marsden Park or selling an investment property in North Kellyville, Stanhope Gardens or Riverstone requires compliance – including payroll and super obligations – for smooth, stress‑free conveyancing outcomes. We will help you remain compliant and focused on the most important thing: your property.
Our team has a proven track record of working seamlessly with the Blacktown, Hawkesbury, Blue Mountains, The Hills Shire, Hornsby, and Parramatta councils.
North-West Growth Corridor: Marsden Park, Box Hill, Schofields, Tallawong, Riverstone, Gables, Melonba, Grantham Farm, and Angus.
The Hills District & Surrounds: Castle Hill, Kellyville, North Kellyville, Bella Vista, Baulkham Hills, Beaumont Hills, Norwest, Rouse Hill, Winston Hills, and Westmead.
Blacktown City & Established West: Blacktown, Seven Hills, Glendenning, Glenwood, Stanhope Gardens, The Ponds, Quakers Hill, Kings Langley, Parklea, Acacia Gardens, Arndell Park, Rooty Hill, and Doonside.
Hawkesbury & Lifestyle Estates: Dural, Middle Dural, Kenthurst, Glenhaven, Galston, Glenorie, Annangrove, Nelson, Cattai, Maraylya, Vineyard, and Windsor.
Parramatta & Emerging Hubs: Parramatta, Northmead, North Rocks, North Parramatta, Wentworthville, and St Marys.