Independent Property Advice

Property Planner

Property Planning Australia offers genuinely personalised advice to assist you to make truly informed decisions.

The property advice industry is rife with advisors whose advice is tarnished by conflicted interests or who advocate a one-size-fits all formula.

Our approach is unique in that we first review your current position, evaluate your goals and determine the most suitable strategy to achieve your objectives. Our team consists of skilled analyst’s who have many years of experience in a range of fields all working to help achieve your goals.

Our Fee structure

At Property Planning Australia property advice is 100% independent. We do not sell property and we do not receive any fees from developers, real estate agents or any other third parties. We charge our clients a fee based on the type and level of service we provide to ensure our advice is squarely focused on your best interests.

We have a range of property services designed to suit your individual requirements.

The Property Plan process begins with a complimentary meeting to find out more about you. We first review your current financial position and property portfolio. We then develop a plan to show you how property can be used to achieve your personal and investment goals. Click here to find out more

Property Planning Australia has a full suite of services designed to help you make informed property decisions.

To discuss how Property Planning Australia can assist you please contact us.

Property Planning Australia partner with independent buyer and vendor advocates that are fully licensed estate agents and experts at property asset selection and/or negotiation.

Property Review

The blueprint for your portfolio

Confused about the property market and concerned that you may make (or have already made) a very costly mistake?

Whether you’re buying a first home, upgrading your home, starting to build a property portfolio, or already have one, Property Plan can provide you with clarity and direction to put you right on track.

Property Plan is a complimentary meeting that:

  1. Evaluates your current financial position — income, assets, commitments, borrowing capacity.
  2. Clarifies your financial goals and how they align with your personal goals — e.g. buy a home to live in / an asset to grow in value / provide an income stream vs travel / have children / change your working hours / downsize etc.
  3. Determines your investment timeframe (short-term / medium-term / long-term) and risk profile (conservative / moderate / aggressive).
  4. Considers your position in relation to crucial factors that are too often overlooked:
    • ownership structure — personal / company / trust? Which is right for you and will protect your tax position?
    • land tax — what is your liability, and how is it affected by your ownership structure?
    • Capital Gains Tax — how, and to what extent, will you be affected if you sell?
    • depreciation benefits — how do they impact on the value of your assets?
    • asset protection — what is the risk of losing your assets, and how can you minimise it?
    • insurance — which insurances do you need to protect your asset from unexpected incidents?
  5. Determines the most appropriate overall strategy — build equity / consolidate equity / generate income
  6. Education by exploring the key economic factors that drive the property market — demographic trends, supply vs demand, interest rate changes, land value
  7. Provides a clear pathway for your next step — e.g. buy (what kind of property, where to find it, what price range), hold / refinance / sell an underperforming asset to realise equity.

The possibilities are many - Property Plan brings clarity and direction

To discuss how Property Planning Australia can assist you please contact us.

What is a high growth asset?

When purchasing high growth property the aim is to secure assets that will out-perform the wider market. The main growth indicator for the property market is the median growth rate.

The median growth rate is determined by looking at the growth rates of a total number of properties in a particular suburb or city over a period of time and identifying the middle growth rate. It is not the average growth rate as many people believe.

In other words, the value of half the properties in that area will have grown more slowly than the median, while the other half will have grown more quickly.

Let’s take the example of a location where nine properties have been sold in recent months. Each one has grown at different rates. Ranked in order from highest to lowest, these are:

  • 15 per cent
  • 13 per cent
  • 11 per cent
  • 10 per cent
  • 9 per cent
  • 8 per cent
  • 7 per cent
  • 6 per cent
  • 5 per cent

In this case, the property in the middle of this particular set of sale prices is the fifth property, which has grown at 9 per cent. Therefore, the median growth rate for this location over this particular period is 9 per cent.

By our definition, a high-growth asset will perform well above the median. Here is an example of a property that has out-performed the wider market. It was purchased in 2004 for $255,000 and has grown by over 12% each year up to mid 2008. Over the same time frame the Melbourne median has grown by around 7%.

Due to the power of compound growth the difference in value between buying this property compared to one growing same as the median will be in excess of $300,000 over 10 years.
Understanding the property market and how to select high growth assets will assist you in achieving your long term investment goals.

To discuss how Property Planning Australia can assist you please contact us.

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