Bleed4Blue saves lives ahead of the holiday season
NSW Police officers are ready to roll up a sleeve and donate much-needed blood and plasma ahead of the holiday season as part of the annual Bleed4Blue blood drive.
Monday (1st December) marked the launch of the ‘Bleed4Blue’ campaign, which is close to the hearts of our first responders and highlights the essential act of blood donation to save lives.
The blood drive was established in response to the near fatal stabbing of NSW Police Detective Sergeant John Breda in 2018. More than 100 bags of donated blood were needed to keep him alive.
NSW Police Commissioner Mal Lanyon said he was pleased officers would be actively involved in the important initiative, particularly in the lead up to the holiday season - a busy time for the community and therefore a challenging time to maintain blood stocks.
“It doesn’t matter if it is Christmas Day, New Year’s Day or any other day on the calendar, the need for blood is constant,” Commissioner Lanyon said.
“Anyone of any age can need blood, but in this case one of our own, was saved by the generous donations of Australians.
“Officers see firsthand the urgent need for blood and how it can save lives.
“We know every donation will help Australians relying on blood, including victims of crime, trauma or transplant patients, people living with immune conditions or cancer and more.”
More than 30,000 blood and plasma
donations have been made as part of Bleed4Blue since its inception.
Lifeblood spokesperson Hannah Rayment said with blood demand at a 12-year high and plasma in record demand, donating was a simple thing many of us could do to save a life.
“I want to thank police and their friends and families for supporting Bleed4Blue, and I encourage the community to donate too,” Ms Rayment said.
“Donated blood will be required
every day between now and Christmas and beyond to treat sick and seriously ill people across Australia.
“Please book a donation and help us keep blood supply levels strong over the holidays to meet the need for patients from all walks of life.”
The three month ‘Bleed4Blue’ blood drive runs from 1 December 2025 to 28 February 2026.
To make a donation, call 13 14 95, book online at lifeblood.com.au, or on the Lifeblood app.
Have your say on Mount Druitt Hospital redevelopment
WESTERN Sydney communities are set to benefit from more beds and modern health facilities, with planning documents for the Mount Druitt Hospital redevelopment now on public exhibition, marking a key step in delivering expanded care services.
The redevelopment is being delivered as part of the NSW Government’s commitment to Blacktown and Mount Druitt Hospitals to help meet the growing health related needs of Sydney’s west.
This investment will deliver further state-of-the-art healthcare facilities to serve one of the state’s fastestgrowing communities.
The project will deliver expanded clinical and non-clinical support service areas and help increase capacity across Blacktown and Mount Druitt Hospitals with the delivery of 60 additional beds, including 30 new beds at Mount Druitt Hospital.
The Review of Environmental Factors (REF) planning documents and other supporting documents can be viewed here: www.haveyoursay. nsw.gov.au/blacktown-and-mountdruitt-hospitals-additional-beds
Feedback on the planning application can be provided online until 11:59pm on Friday 19 December 2025.
Local MP for Mount Druitt Edmond Atalla says this is an important step forward.
“By expanding bed capacity and clinical spaces, we’re supporting local health staff to continue delivering the best possible care for patients and their families,” Edmond said.
“It’s part of the NSW Government’s delivery of more than $3.4 billion in hospital infrastructure across Western Sydney over the next four years to support growing Western Sydney communities,” Edmond said.
The detailed design for Mount Druitt Hospital is expected to be completed by the end of this year, with construction timeframes to be confirmed next year following planning approval and the appointment of a building contractor.
This investment builds on the $700
million expansion of Blacktown and Mount Druitt Hospitals completed in 2020, which delivered expanded capacity at both hospitals, a new emergency department, cancer centre, and inpatient facilities at Blacktown Hospital, as well as additional renal dialysis and inpatient facilities at Mount Druitt Hospital.
The 2025-26 NSW Budget includes $1.3 billion of additional funding to support the delivery of health facilities across Western Sydney including:
• an additional $700 million for the new Bankstown Hospital, bringing the total investment to $2 billion
• additional State funding of $90.0 million to provide the full range of maternity and birthing services as part of the new Rouse Hill Hospital, with a further $120 million announced by the Commonwealth Government towards the new maternity and birthing service
• $120 million for additional beds for Blacktown and Mount Druitt Hospitals
• $492 million to develop a Statewide Pathology Hub on the Westmead campus
• $40.1 million to fit out level 13 of the new Paediatric Services Building at Westmead in partnership with the Sydney Children’s Hospitals Foundation
• $22.3 million to establish a new paediatric hospice at the Children’s Hospital at Westmead
For more information about the Blacktown and Mount Druitt Hospitals project visit: nsw.gov.au/ bmdh-additional-beds
Students share hopes for Blacktown City with Council leaders
YOUNG people have outlined their vision for a better community to Council leaders as part of the Blacktown City Council Youth Forum.
More than 90 students from 15 schools worked together on ideas to help community and local government better serve young people at the event in Blacktown in November.
Council’s Youth Ambassadors and Youth Advisory Committee members led collaborative discussion which saw teams of students share ideas for programs and facilities.
School leaders also spoke before Mayor Brad Bunting and Councillors on topics such as mental health, multiculturalism, safe spaces and more in a Youth Council Meeting.
Mayor Bunting congratulated the students on taking advantage of the opportunity to share their views.
“It’s great to see young people speaking up and putting ideas forward to inspire and help others where they live,” he said.
“Forums such as this help Councillors gain a better understanding of the needs of the next generation and help us plan for the future.
“I want to assure everyone who participated your contributions will play a part in how Council
provides services and facilities going forward.”
Participants enjoyed the activities and interaction of the annual forum.
Hermione from Blacktown Girls High School was among those grateful for the opportunity.
“It was great to meet with people from different schools to get to know each other and share ideas,” she said.
Teacher Arvind Chandra from Plumpton High School also saw benefits.
“The youth forum was well
organised and it has a positive impact on schools and students,” he said.
Students also heard about opportunities to gain experience and employment at Council.
These opportunities include Youth Ambassador roles for students aged 16 to 18, Youth Advisory Committee positions, and apprenticeships and traineeships. Details are on Council’s website.
Feedback from the forum will help inform planning for youth facilities and services.
Schools that participated were:
The Australian Islamic College of Sydney, Blacktown Girls High School, Blacktown Youth College, Chifley College Bidwill Campus, Doonside Technology High School, Glenwood High School, Nagle College Blacktown, Patrician Brothers Blacktown, Plumpton High School, The Ponds High School, Rooty Hill High School, Seven Hills High, St John XXIII Catholic College, Tyndale Christian School and Warakirri College.
Students collaborate on ideas at the Blacktown City Council Youth Forum.
Students collaborate on ideas at the Blacktown City Council Youth Forum.
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From the Editor’s Desk
BY KERRIE DAVIES
YES it’s that time of the year where we look forward to Christmas time with family and friends, and for many a bit of a holiday break. But amid the festive buzz and the rush for presents, there’s an important reminder that deserves more attention every year: a pet is not a Christmas gift unless the family is truly ready for a lifetime commitment.
I’m constantly in awe of the dedication of the volunteers at rehoming facilities such as Hawkesbury and Blacktown, as well as many other shelter organisations that work tirelessly and thanklessly for abandoned, surrendered, or forgotten pets. They do a wonderful job, but I’m sure it’s also heartbreaking for them to see how many dogs and cats sit in kennels or cages for months, waiting for someone to choose them. Waiting for a family who won’t give up on them once the novelty fades.
There are many reasons animals end up in shelters, and not all of them are due to neglect or irresponsibility. Life happens; circumstances change. But it’s impossible to ignore that many animals arrive because someone realised, too late, that caring for a pet requires far more than affection for a cute puppy or kitten. It requires patience, training, financial stability, and a willingness to adapt as that animal ages.
So if you or your family are thinking about adding a pet to your home this Christmas, please pause - truly pause - and consider the level of commitment required. Pets are not seasonal accessories. They are living beings who feel fear, loneliness, joy, and they love deeply. They deserve a lifelong commitment.
And if your family is ready to welcome a furry friend into your life, then please consider adopting a rescue pet first. Shelters are overflowing with animals of all ages, breeds, and personalities, each one hoping for a second chance. The greatest gift you could give this holiday season might not come from a shop at all, but from giving a homeless animal the stable, loving home they’ve been waiting for.
This Christmas, we should all support our local businesses with Christmas shopping and help out local organisations where we can. Donations to the many local charities who support our vulnerable are so welcomed, especially at this time of year
And, if your heart and home is ready, consider a rescue pet who needs you - for the entirety of its life.
Council says No to Special Rate Variation
ON the 15th of September this year
Blacktown City Council commenced a 42 day community consultation on a Special Rate Variation which was to address the ongoing and increasing costs in maintaining and renewing ageing assets, operating and maintaining community spaces funded through NSW Government funding and two new administration centres.
The consultation included local pop-up sessions as well as mail information sent directly to households and business owners.
Councillors have voted not to proceed with an application to the Independent Pricing and Regulatory Tribunal for a Special Rate Variation.
The proposal followed 42 days of community consultation, during which more than 3,800 formal submissions were received. It was presented together with the consultation findings, financial
The Leg of Ham
BY TOM HAMILTON
Our family’s had its problems, on what to buy and eat
Catering for our crew, is really quite a feat
The problem comes up every year, and can get you in a jam
No matter what else we buy, there’s always the christmas ham
When the season’s over and the decorations taken down
This source of food seems endless and bound to cause a frown
For there is one fact i can state, without a single fear
Once you start and serve the stuff, you’ll be eating it all year
No matter how you present it, you can only do so much
Scanning all the recipes, like potato salad and such
You can slice it, you can dice it, dish it up with rice
Sometimes if you’re busy, a chinese meal is nice
You can fry it, you can crumb it, boil it ‘till it’s limp
There’s a million ways to prepare it, just like bubba gump shrimp
You may serve it up with ice cream, but only if you’re game
No matter how you disguise it, it always tastes the same
Ali’s clan won’t touch the stuff, nor benny’s crew next door
When the indian army used its grease, it started a bloody war
And if you really love your child, no matter how hard it begs
Whatever else you do. Don’t mix it with green eggs
Some like their christmas dinner cold, some just like it hot
Everyone is different and you cannot please the lot
So next time during yuletide, when we greet our friends so dear
As we sit down to celebrate, it will all be prawns and beer
State-of-the-art Catholic precinct and Church coming to Blacktown
THE Diocese of Parramatta has purchased land in the centre of Blacktown City, directly adjacent to the soon to be developed, Blacktown Quarter – a $2 billion redevelopment vision from Walker Corporation and Blacktown City Council that will create a vibrant new heart for one of the largest and fastestgrowing cities in Australia.
The Diocese will build a new Church and state-of-the-art Catholic precinct in the heart of the new city. From this new spiritual home, the local Parish will be able to welcome new families and reach out more effectively to those on the margins; strengthen liturgical, catechetical, and community life; deepen partnerships for service with organisations in the civic centre; and be a daily visible sign of God’s presence in the heart of the city. It will ensure our Catholic community will remain visible, accessible, and engaged in the life of the city for generations to come.
Upon completion, the Parish of Blacktown – Mary, Queen of the Family – with its strong and diverse history and faith community will be relocating its two sites (St Patrick’s and St Michael’s) to return to the Civic Centre where St Patrick’s Parish was originally located. The Parish will be a vibrant space where
faith, community and city life come together for over 10,600 Catholics and all who call Blacktown home.
The announcement was made to parishioners after a special Mass on Sunday 7 December 2025 with special guests Blacktown Mayor Brad Bunting, CEO of Blacktown City Council, Kerry Robinson OAM and CEO of Walker Corporation, David Gallant.
For more information or to sign up for project updates, visit mqofblacktown.org.au/ BlacktownProject
Transforming rehab into real-life readiness for Mount Druitt Hospital patients
AT Mount Druitt Hospital, Fridays are no ordinary day on the Rehabilitation Ward.
Patients gather for “Independence in Action”, a hands-on therapy circuit designed to help them regain the skills and confidence needed for life beyond hospital walls.
Led by a passionate team of physiotherapists, occupational therapists (OT), and speech pathologists, the program transforms traditional rehab into a dynamic, realworld experience.
Lauren Grey, Occupational Therapist, explained how the program works.
Every Friday morning, we have stations set up from 9:30 till 12:30 where patients get the opportunity to practice everything they’ve been doing with their therapist during the week in a really functional way. “ “
The circuit includes stations for:
• Shopping simulation with trolleys and lists
• Laundry tasks with wet and dry clothes
• Cleaning stations (with pompoms for fun!)
• Plant care, pet care, and mail sorting
• Kitchen tasks like loading dishwashers and wiping benches
• Scam mail identification, a modern-day essential
Andrew De Leon, Physiotherapist,
highlighted the physical benefits of the program.
From a physio perspective, it really helps bridge the gap between what patients do in the gym and what they’ll be doing at home. It’s a great collaboration and a really good idea. “ “
Michelle Hampton, Speech Pathologist, explained that the program helps beyond this too.
“We work with patients who have word-finding difficulties, categorisation, reading and writing challenges,” she said.
“This circuit allows us to support them in a more naturalistic environment. Functional therapy like this improves quality of life after stroke – and it helps us see things we might miss at bedside.”
The program also fosters teamwork across disciplines.
“If something pops up during the
shopping task, like difficulty reaching for an item, I can liaise with the OT or physio to address it, even if it’s outside my scope,” Michelle explains.
“That way, we ensure patients are truly ready to participate in life again.”
Patients are responding positively.
“They enjoy it,” Andrew said.
“And it helps them realise what might still be challenging. It’s enlightening –they see what they need to work on to get back home.”
The circuit was initiated by Maddison Gaughan and Lauren Grey,
whose dedication has been deeply appreciated.
“All of this is because of Maddie and Lauren,” Michelle said.
They go above and beyond for every patient. They care like it’s their own family. “ “
“They make sure patients are truly ready before discharge. We’re so lucky to have them.”
The team is already planning future expansions, including a drive-through simulation to reflect modern lifestyles.
“We want the group to be meaningful and fun,” says Lauren.
“A drive-through station would let us practice cognition, communication, and upper limb skills in a realistic way.”
As Claudia Buccini, Occupational Therapist, explained the significance of the program to the patients.
“Being in hospital for a long time can be tough,” she said.
“This group gives patients something to look forward to, helps them connect with others, and brings joy to their recovery.”
Provider identified for the Rouse Hill Medicare Urgent Care Clinic
THE Albanese Government is delivering on its commitment to provide more Medicare Urgent Care Clinics across Australia and is pleased to announce a provider has been selected to operate the new Rouse Hill Medicare Urgent Care Clinic (UCC) following a competitive tender process led by the Western Sydney Primary Health Network. Rouse Hill Town Medical & Dental Centre has been identified as the successful provider to operate the Rouse Hill Medicare Urgent Care Clinic, which will be located at Level 1, 10-14 Market Lane, Rouse Hill (Rouse Hill Town Centre). The clinic will be open seven days a week, operating under extended hours. The clinic will help to ease pressure on the Blacktown Hospital emergency department, where around 29 percent of presentations in 2023-24 were for semi-urgent or non-urgent conditions. The Rouse Hill Medicare Urgent Care Clinic will join the existing network of twenty-two UCCs across New South Wales. Ninety Medicare UCCs are in operation across Australia, which have already seen more than 2.1 million presentations since the first sites opened in June 2023. This includes over 440,600 presentations to the existing New South Wales Medicare UCCs.
“The Albanese Government is getting on with the job of delivering more Medicare Urgent Care Clinics for people in New South Wales. The new clinic in Rouse Hill will be open seven days a week, extended hours and most importantly they’ll be fully bulk billed. This clinic will take pressure off the local hospitals, including the Blacktown Hospital, and will fill an important gap in services across extended hours and over the weekend,” Minister Butler said.
“At the election we promised to deliver a Medicare Urgent Care Clinic in Greenway, and today we are one step closer to making this a reality. Whether it’s a cut, rash, infection or injury, you will be able to get the treatment you need free of charge – all you will need is your Medicare card,” said Attorney-General and Member for Greenway, Hon Michelle Rowland MP.
“The Albanese Labor Government is delivering on its promises – providing more free healthcare, while also taking pressure off our hospitals. I congratulate Rouse Hill Town Medical & Dental Centre for being identified as the successful provider and look forward to sharing more information about when the clinic will open soon.”
Chart-toppers Diesel, Taxiride to rock Australia Day concert
ARIA award-winning musician Diesel will headline Blacktown City’s Australia Day Concert and Fireworks in a jampacked program of music, games and rides, and national pride.
Diesel will perform his extensive catalogue of blues and rock hits, which include radio favourites Cry In Shame and Tip Of My Tongue, on Monday 26 January at The Rooty Hill, Eastern Road, Rooty Hill.
Diesel will be supported by pop powerhouse Taxiride, renowned for hit single ‘Get Set’, rugby league fan favourites Eric Grothe & The Gurus, as well as soul and pop five-piece The Kamis.
Blacktown City Mayor Brad Bunting encouraged everyone to enjoy the free festivities.
“Australia Day is an occasion when we celebrate all this country has achieved and give thanks that we are lucky to enjoy its freedom and opportunities,” he said.
“I can’t think of a better place to do that than Blacktown City. We celebrate community, diversity and tolerance, some of the foundations which make Australia great.”
The concert grounds will offer plenty of family-friendly fun throughout the day. Rides, games, food stalls and a Cricket NSW clinic will be among the attractions.
Alcohol will not be allowed into
event, but may be purchased and consumed in the licensed area.
The fireworks display, known as the best in Western Sydney, will be a fitting finale for what promises to be a memorable day.
People planning to attend are encouraged to use public transport. Parking will be limited.
The Australia Day Concert and
and is
Blacktown City residents can also take advantage of the traditional Wake Up With The Wildlife event.
Council and Featherdale Sydney Wildlife Park have partnered to offer a special opportunity to have breakfast with the animals.
Ticket information is available via
CROSSWORD
Earlier in the day, Mayor Bunting will announce the Blacktown City Citizens of the Year and oversee the popular Australia Day Citizenship Ceremony at invitation-only events.
More details on Council’s Australia Day events are available via blacktown.nsw.gov.au/ausday.
Particular to a given individual (8)
to a group (9)
in Roman numerals
1 Leftover (8)
2 These are attached to skis (8)
3 Floral leaf (5)
5 Tympanum (7)
6 Express indirectly by an image (9)
7 Ambrosia (6)
8 Attorney (6)
9 Medicine that causes vomiting (6)
15 Opulent (9)
17 Depreciated (8)
18 Game plan (8)
20 Slope (7)
21 Buff (6)
22 Inuit (6)
23 Put into words (6)
25 Blade (5)
the
Fireworks starts at 4 pm
due to finish at 9.30 pm.
Council’s website.
Diesel will headline Blacktown City’s Australia Day Concert and Fireworks
Taxiride will entertain at Blacktown City’s Australia Day Concert and Fireworks.
One of the Old Time Greats
By Lyn Forde – President/Research Officer of St Marys & District Historical Society Inc.
EDWIN James “Ted” Evans was born in March 1849 to parents James & Mary Evans (Colless). He was an Australian cricketer who played in six Tests between 1881 and 1886. Born in Emu Plains he entered Newington College at Silverwater in 1865 where he had Joseph Coates as his mentor who was then a prominent member of the Albert Club, reportedly the premier club of the day”, Joseph was an important asset who taught at the school from 1864 to 1872 and returning later as Headmaster. He was a noted member of the ‘2nd Albert’s’ and reportedly a good all-rounder and lefthand bowler. With cricket organised at Newington as a club, he and other Masters could play for the school, as could former students. Another prominent cricketer to emerge from Newington in the 1860s other than Ted, was Tom Garrett who also played for Australia. The College was founded on 16 July 1863 and established as a result of a growing view in the Wesleyan Methodist Church that an institution higher than elementary school was needed in Sydney. Newington House was the former home of colonial merchant and landowner John Blaxland on the banks of the Parramatta River at Silverwater. The College opened with 16 students aged between seven and sixteen and was predominately Wesleyan but opened to the sons of parents of all religious denominations also functioning as the home for theological training for the Methodist Church in NSW until 1914. It is known from contemporary accounts that boys played cricket from the start of the school, the ‘green’ being close to the main buildings. Much of the cricket played would have been informal matches organised within the school, however, Newington was soon fielding teams to play not only against other schools but also against local clubs. School opponents included Camden College a Congregational school in Newtown, St Mark’s at Macquarie Fields and Calder House School in Redfern. Before leaving the college Ted had established the reputation of being “the best colt of the year”, but he had a few subsequent opportunities for taking part in first-class matches in the metropolitan district. Without that advantage at Newington, he became one of their best all round man. Ted left Emu when he was about 18 years of age and went to Bungle Gully (in the Walgett district), where the family had acquired a station. Ted was a good pigeon shot, one of the best in the State in fact. He was musically inclined, being a good singer and a fair violinist. He was a splendid horseman and could play a good game of tennis, a game which at that time was not nearly so generally played as it is now. He often visited this district after he went to Bungle Gully. He was about 22 years of age when he first played in intercolonial cricket and was an off spinner with an ability to consistently land the ball wherever he wanted to and it was said that he could knock over a single stump in an average of one delivery out of every two and had some success in Australian first-class cricket and always referred to as a most genuine cricketer. Lord Harris’s comment in 1878 was that “he had never played against a finer bowler than Ted. As a fieldsman he was magnificent and in batting he proved a hard nut to crack, his defence being admirable.” Ted (known as “Corkscrew” though among his more intimate associates he was known as “The
Fakir.”) and was noted as having a beautiful delivery, quick rise from the pitch and, in the words of Lord Harris, “an accuracy worthy of Alfred Shaw’”. (Alfred Shaw was an eminent Victorian cricketer and rugby footballer, who bowled the first ball in Test cricket and was the first to take five wickets in a Test innings). When Nepean played Lord Sheffield’s Englishmen, some of the local players were William Peter Howell known as ‘Bill’ or ‘Farmer Bill’ who would play for NSW and Australia, James Oatley Cleeve (whose father was Chief Magistrate at Penrith), would play for NSWvVictoria in an Intercolonial match in 1882. The earliest recorded Nepean District player to play First-class cricket in 1874 was Ted, and from 1874 to 1884 he was second only to C.T.B. Turner (‘The Terror’) and the feared Fred Spofforth (Frederick Robert Spofforth known as “The Demon Bowler” was arguably the Australian cricket team’s finest pace bowler of the 19th century among all Australian bowlers). Ted was a talented and popular all-rounder who promised much but turned out to be a reluctant champion. A right-hand batsman and a right-arm fast-medium bowler, he had a fine off break and could bowl all day. When he joined NSW the team enjoyed a great measure of success, mainly through his efforts. Though he had some fine performances he repeatedly turned down opportunities at the last moment to play Inter-colonial and International cricket, including several tours of England. He provided any number of reasons ranging from injury, family matters (he was the father of 16 children), pressure of business and even seasickness. His employment as “Inspector of Selections” that were settled on by farmers required him to visit country areas and this was considered the major problem. He toured England with the 1886 team but did not meet with great success. Sadly, when called up for the national team Ted’s accuracy deserted him and he failed to make a serious impact. He was, in reality, considered past his prime at 38 and afterwards he made a career as a professional kangaroo shooter. Such was his contribution to the game that in 1921/22 the Nepean Association organised a subscription fund to purchase a shield to honour his memory. Since then, the ‘Evans Shield’ has been awarded continuously to the Premiers in the NDCA A Grade Competition. Ted was married twice. In 1872 he married Harriett Elizabeth “Dolly” York at Emu Plains. She died at her residence at Glebe Point in April 1891 at the age of 39 years after an illness of several years and is buried at Emu Plains cemetery with their son James York Evans. Ted’s second marriage in July 1893 was to Susannah Lees in Sydney. She died in September 1944 in a Private Hospital in Waverly. Ted was in hospital in September 1902 suffering from an attack of pleurisy. In July 1921 he died in the local hospital in Walgett from the effects of a paralytic stroke aged 72 years and is buried in Walgett cemetery.
Sources: Newington College Register of Past Students 1863-1998 (Sydney, 1999), pp. 60. Victoria, Australia. 31 March 1900. p. 20. Retrieved 1 August 2021 – via National Library of Australia. Victoria, Australia. 9 November 1912. p. 28 (Town Edition). Retrieved 1 August 2021 – via National Library of Australia, Sydney Morning Herald (NSW : 1842 - 1954), Monday 4 July 1921, page 10, Penrith Cricket Club.
IT’S BUSINESS AS USUAL…
Photo of Edwin Evans courtesy of Wikipedia website
ALEX SONCINI
WApplying for a loan? Don’t just pay off the credit cards.
HEN preparing to apply for a mortgage, it is common practice to settle outstanding credit card balances in order to reduce overall debt. However, maintaining active credit card accounts may inadvertently diminish the borrowing capacity extended by lenders.
While lenders routinely evaluate monthly repayments for existing debts, many applicants are unaware that even credit cards with a zero balance can negatively affect loan eligibility. Lenders perceive high credit limits as increased risk, since these available funds could be utilised at any time following loan approval.
Consequently, brokers must incorporate approximately three percent of the total credit card limit for servicing calculations, regardless of the current balance owed. For example, a $10,000 credit limit necessitates a minimum assessed liability of $300 per month, which is deducted from the client’s serviceability. Over the duration of a mortgage, this assessment can substantially impact both repayment terms and maximum borrowing amounts.
Optimising borrowing potential might involve reducing credit card limits or closing credit accounts altogether after clearing outstanding balances. This approach could enable earlier loan repayment or
facilitate access to additional funds.
Moreover, minimising unnecessary liabilities applies not only to traditional credit cards but also to Buy Now, Pay Later (BNPL) services such as AfterPay and Zip Pay. Although these platforms offer consumer convenience, frequent usage may adversely influence lender perceptions.
BNPL activity is reflected on credit reports, and lenders assess borrowing power based on account limits rather than solely on outstanding balances. Repeated references to BNPL providers on bank statements may prompt lenders to scrutinise financial habits more closely, possibly resulting in a declined application. Demonstrating prudent saving behaviour instead of reliance on debt-based payment solutions is strongly recommended.
In summary, effective management and reduction of liabilities—whether related to longstanding credit cards or emerging BNPL accounts—are essential steps in preparing for a successful home loan application.
Wealthwiz proudly helps many clients each year overcome the red tape and barriers put in their way. Ready to take the next step? For a confidential, oneon-one discussion about a loan, or to get a free home loan review, contact Principal Alex Soncini directly:
Contact Alex Soncini today to discuss your needs: Call 0419 600 177 or email alex.soncini@wealthwiz. com.au.
Disclaimer: The data, information and commentary provided in this publication is of a general nature and opinions expressed in this publication are those of the relevant contributors and should not be construed as specific advice or relied upon in lieu of appropriate professional fax or financial advice. The information in the article is believed to be reliable at the time of distribution, but neither WealthWiz nor its accredited brokers warrant its completeness or accuracy. For information about whether a loan may be suitable for you, call us on 0419 600 177.
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Wanderers Foundation launches 2025 Christmas Appeal to Support Marginalised Communities
FOR six years, the Wanderers Foundation has been committed to providing free football opportunities for marginalised communities across Western Sydney. From females and CALD and Indigenous communities to people with a disability, the Foundation’s programs have offered world-class coaching in state-of-the-art facilities, creating life-changing opportunities beyond the pitch.
The impact of these programs extends far beyond football. In partnership with social impact experts Impact Institute, the Wanderers Foundation has identified the profound difference its initiatives make across Western Sydney:
• Social Connection and Belonging
– fostering friendships and cultural integration
• Confidence and Self-Esteem
– giving participants a sense of accomplishment
• Health and Wellbeing – improving physical and mental health, promoting positive emotions
• Skills and Capabilities
– developing football and communication skills
• Access to Services and Opportunities – creating pathways in football and careers, and inspiring role models
• Economic Benefit – all programs are fee-free, supporting increased school attendance and job opportunities
• Family and Community Impact
– strengthening communities through volunteering and crime reduction
Despite reaching thousands each year, there is more to do. With Western Sydney’s population continuing to grow, access to football programs remains limited. The 2025 Wanderers Foundation Christmas Appeal invites
members, fans, and businesses to help make a difference in the lives of those who need it most:
• $30 assists a person with a disability to attend the Weekly Inclusive Football Program
• $50 helps a First Nations participant join the Weekly Indigenous Football Program at Wanderers Fives
• $100 enables a girl to access the elite pathway Girls Academy
• $2,500 allows donors to become a Friend of the Wanderers Foundation, with exclusive benefits
Western Sydney Wanderers CEO Scott Hudson calls upon all those in
the Wanderers network to give back this Christmas period.
“The Wanderers Foundation started with a simple belief, football can change lives. We wanted to create opportunities for those who often miss out, to give them a sense of belonging, achievement, and hope,” said Hudson.
“Christmas is a time for giving, for reflecting now what we have and sharing it with those who need it most. Every donation to the Christmas Appeal helps us provide more children, young people, and families with access to programs that can truly transform their lives.
“We’re proud of what we’ve achieved over the past six years, but there’s still more to do. With the support of our fans, members, and local donors, we can continue to create a positive, lasting change across Western Sydney. Together, we can ensure no one misses out on the joy and opportunity football brings.”
To find out more visit the 2025 Wanderers Foundation Christmas Appeal at https://asf.org.au/ campaigns/wsw-community-andyouth-development/wanderersfoundation-christmas-appeal-2025
Stonecutters Ridge victorious in JNJG Encourage Shield
BY NOEL ROWSELL
STONECUTTERS
Ridge GC has won the Final of the 2025 JNJG Encourage Shield competition, defeating Ryde-Parramatta GC 3.52.5 in a very tight contest.
“Our juniors have been impressive, not only for their play throughout the regular season and Finals series, but also the immense sense of team pride and camaraderie they have displayed as representatives of our club,”
Amanda Cadle said.
“A standout mention goes to Savannah Webb for taking on the role as assistant manager this year, giving up her Sundays for the past
two months to guide and mentor our junior golfers. Also many thanks to Blake Dowd for his ongoing training and tuition of the squad, as they hone their golfing and match play skills.
“It was our quest to be the first team to take out the Sydney Metro title since Junior Pennants and Encourage Shield were merged this year. Prior to this, our club last won the Junior Pennant in 2023, for the first time in our combined Ashlar / Stonecutters Ridge history.
“The kids fought so hard today and our three wins all came down to the 18th hole.
“The winners for Stonecutters Ridge were: Zoe Miller, Luke Miller, Taylor Serafin and tied by Jacob Bartolome, all on the 18th.”
2025 Club Champions Gallery
THE 2025 Club Championships have been finalised throughout the district, with the following players all being successful at their respective clubs.
Stonecutters Ridge GC - Mitch Norbis (Men), Savannah Webb (Ladies)
Dunheved GC - John Fearnley (Men), Judy Watson (Ladies)
Richmond - Craig Ellings (Men), Evelyn Oram (Ladies), Evelyn Oram (Mid-week Ladies)
Windsor - Matt Whitmore (Men), Maxine Khouri (Ladies)
Hawkesbury Canoe Classic announces donation recipients
BY NOEL ROWSELL
THE organisers of the annual Hawkesbury Canoe Classic have announced “We are thrilled to advise that the following donations will be made from funds raised by paddlers in this year’s Hawkesbury Classic.
“Congratulations and thank you to all paddlers who have contributed to this great result.”
Arrow Foundation : $93,000.00; Marine Rescue NSW (Hawkesbury) : $5,000.00; WICEN NSW : $5,000.00; Nepean / Blue Mountains Prostate Cancer Support Group : $1,000.00
The successful Stonecutters Ridge GC Encourage Shield team. Photo courtesy of JNJG / Golf NSW. The team L to R is Savannah Webb, Luke Miller, Zoe Miller, Chase Farrell, Taylor Serafin, Joel Miller, Ruby Ison, Jacob Bartolome and Allan Ison.
Paddlers at this year’s event. Photo by Noel Rowsell
BY NOEL ROWSELL
Stonecutters RidgeSavannah Webb, Mitch Norbis Dunheved - John Fearnley
Richmond - Craig Ellings
Dunheved - Judy Watson
Windsor - Maxine Khouri
Richmond - Evelyn Oram
Windsor CC - Matt Whitmore
HSRCA announces Young Women in Motorsport Program
BY NOEL ROWSELL
THE Historic Sports and Racing Car Association (HSRCA) is proud to announce the HSRCA ‘Young Women in Motorsport Program’, offering a unique opportunity for a young woman to compete in Historic Formula Vee racing in 2026.
HSRCA president Wayne Wilson hopes the program will encourage more young women to try their hand at Motorsport competition.
“For far too long, young women have been underrepresented in Motorsport, and particularly in historic Motorsport,” Wilson said. “Today, we are announcing a program to rectify that. Next year we will gift the use of a historic Formula Vee to an outstanding young woman at our three historic race meetings during the year.”
The HSRCA has already acquired a historic Formula Vee for the program. The car will be fully prepared and ready to go racing, and will be offered to the successful applicant on a freeuse basis at the HSRCA-run Historic race meetings at Sydney Motorsport
Park and One Raceway.
Whilst the full details of the HSRCA ‘Young Women in Motorsport Program’ have yet to be announced, Wilson says it will be open to women over the age of 18 years old who have had some level of prior involvement in Motorsport.
The HSRCA is NSW’s premier Historic Sports and Race Car Club and will host three major historic race meetings in NSW in 2026.
The Historic Formula Vee class caters for pre-1986 Formula Vee Open Wheeler race cars. Formula
Vee was created as an inexpensive entry-level racing car category, aimed at fostering future star drivers. Formula 1 world champions such as Emerson Fittipaldi, Niki Lauda and Keke Rosberg started their careers in Formula Vee. Locally, the Formula Vee graduate list includes names like John Bowe, Larry Perkins and Cam Waters.
If you wish to apply to take part in this program, go to the attached link. https://docs.google.com/forms/d/ e/1FAIpQLSczShBYsElXmYnQ48 y6WSXoGdRMk52ernukGMC3E
VLRP4vAFg/viewform
SMSP hosted the 2025 HSRCA annual Summer Festival over the 2930th November, featuring two full days of Classic, Vintage and Historic racing.
Classes featured over the weekend included Groups A, C & U in Sports Sedans; L, M, O, P and Formula Ford, Q & R, Group S, Group N and Formula Vee in Races, Regularity and Supersprint events.
The full results for the weekend can be found at: http://racing.natsoft. com.au/results/#2
Norm Johnstone 1984 Spectre #10, Chris Jackson 1985 Avanti #80, Damien Spinks 1976 Nimbus #53, Glynn Briggs 1983 Spectre #33. Photos by Noel Rowsell
#7
Chris Thomas 1972 Holden Torana XU-1, Chris La Rosa 1967 Ford Mustang #33, Scotty Hoskin 1971 Holden Monaro #16
