Property Strategy
Most Australians build the bulk of their wealth in property. It's also where the most expensive mistakes happen, and those mistakes are rarely obvious at the time you make them.
A property investment strategy looks at each purchase against the rest of your finances. Before you commit, we check that your first or next investment property works for you, and that you’ll still be able to buy the one after it. Then we coordinate your buyer’s agent, broker, accountant and conveyancer so they’re all working to the same strategy.
We work with professionals and families investing in property. You might be:
buying your first investment property and wanting to know the numbers work
holding one or two properties and unsure whether you can buy again
unsure whose name, or what structure, the property should be bought in
tired of passing messages between your broker, accountant and buyer’s agent
deciding whether your next dollar should go into property or somewhere else
Who We Help
What Our Property Strategy Covers
We build it with you in a strategy session. It sets out what you're looking for and why it fits your plan, the numbers the property has to hit, any value-add such as a renovation or granny flat, and the main risks with a plan to cover each.
We work out what the property will cost you to hold each year, then test it at higher interest rates and against vacancy, repairs, a fall in value or a drop in your income. This is where we look at whether property suits you now, and what you'd give up elsewhere in your plan to hold it.
We model what buying in your own names, a trust or a company would mean for your cash flow and your borrowing, and find a price point where the rent and costs work. Your accountant advises on the structure and sets it up, and your broker confirms what you can borrow.
When your buyer's agent finds a property you like, we run it against your numbers before you make an offer.
A shared checklist shows every step from strategy to settlement, who owns it and when it's due. We lead it and keep each professional moving to it.
Once you own the property, we record what the purchase really cost. If you want to buy again, we map what needs to happen first.
Your buyer's agent finds and negotiates the property, your broker arranges the loan, your accountant handles structure and tax, and your conveyancer reviews the contract. We keep them all working to your strategy, so you're not the go-between. You can use your own professionals or ones we introduce.
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No. Direct property isn't a financial product, so our property support is modelling, coaching and coordination, and isn't provided under a financial services licence. If your plan involves changing your super, investments or insurance, that advice is separate and set out in a Statement of Advice.
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Your broker handles the loan and your buyer's agent handles the property. We build the strategy and the ownership modelling, run the numbers on each property you look at, and plan any later purchase.
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It depends on your income, your plans and the costs. A trust or company has set-up and yearly accounting costs, is taxed differently and can limit which lenders you can use. We model the options with you, and your accountant advises on which suits you.