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Perfect for the busy professional seeking a low risk approach to creating their ideal lifestyle.

Property Planning Australia

Proven Excellence Since 2004

MFAA Awards

Last year we were honored with the Best Mortgage Business in Victoria and Tasmania, as well as the Best Customer Service Award at the esteemed Mortgage and Finance Association of Australia (MFAA) Excellence Awards.  

Since our inception in 2004, we have been fortunate to receive dozens of awards, recognising our commitment to excellence in service and advice across our Strategic Mortgage Broking and Property Planning services.


Property Planning

Leverage our cutting-edge Property Planning software 

We help you create a personalised Property Plan that empowers you to achieve your retirement objectives effectively through property.

Our goal is to empower you to build a Property Plan that connects your lifestyle and financial goals to your property decisions, from your next purchase to your last.  

With our exclusive Property Planning Platform, you’ll receive lifetime access with no ongoing fee. 

Our software puts you in control of developing multiple Property Plan pathways, based on your existing financial position, for you to contrast and compare. The software also allows you to update your situation in real time and ongoing, all the way through to a successful retirement. 

Planning brings the future into the present so you can do something about it now  

Contact us now to find out more

A faulty mortgage strategy will cost you from the day of settlement.
This cannot be reversed – only rectified from now!


Strategic Mortgage Broking

Unleash the Power of Mortgage Strategy for Long-Term Financial Success

While most lenders and mortgage brokers sell you a product and a rate, we prioritise setting up an effective mortgage strategy that will:  

  1. Allow you to hold property while acquiring new assets 
  2. Optimise tax deductions 
  3. Allow you to take control of your money management 
  4. Optimise the use of offset accounts 
  5. Support you to manage risk 
  6. Determine the right repayment strategy 

By working with our Strategic Mortgage Brokers and Private Banking team, you can be assured of selecting the right lender and obtaining a great rate across our network of over 40 lenders.

Our award-winning service is ongoing for the life of the loan, ensuring that you receive unparalleled support and guidance. 

Contact us now to find out more.

Read David’s articles for Domain and the Australian Financial Review

Strategic Mortgage Broking

Property Planning


Five ways to create wealth through your mortgage


First home property plan

How to keep your first home as an investment when upgrading


Why short-term investing has long-term consequences



How data helps investors identify gentrification


Media we have worked with

Hear from our clients

Listen to Our Podcast

Listen to Our Podcast

180+ 5 star Reviews, Over 400,000+ Downloads

Join the Property Planner, David Johnston, The Property Buyer, Cate Bakos and the Quantity Surveyor, Mike Mortlock as they take you on a journey of discovery through the maze of property, mortgage, and money decisions to empower you to create your ideal lifestyle!

How Are We Different?

Fiercely Independent Property Advice

We do not sell Property. We do not act on behalf of property developers, project marketers, selling agents, buying agents, or financial planners. We have zero location bias, as we no longer buy property, despite being one of the first buyer’s agencies from 2004 – 2011. Determine a strategy that is right for you, not your buyer’s agent location. We refer you to the best buyer’s agents across Australia, so your property strategy matches your Property Plan.

No Investment Products

We do not sell investment, financial or insurance products.

Bespoke for professionals

Your Property Plan and Mortgage Strategy is tailored to your unique circumstances.

Mortgage Strategy

Most lenders and mortgage brokers do not understand how your Mortgage Strategy can empower you to create wealth, manage risk and align with your Property Plan. Speak to someone who does more than sell products or interest rates.

We all know 3.9% is lower than 4%!

Learn how to 

  1. Optimise and preserve tax deductions
  2. Hold property as you accumulate
  3. Set up an effective Money Management System
  4. Manage risk
  5. Optimise the use of offset accounts
  6. Have an effective repayment strategy to support all of the above.
Lifestyle and Investment Strategy

It is vital that your lifestyle pathway is considered in conjunction with your investment pathway and not in isolation. Property is the only asset class we live in and most wealth is lost via property decisions that ignore the future home in your investment plans.

Property Plan

Get access to the first and only Property Planning platform in the country where you can craft and design your own Property Plan through to retirement to see how you can achieve your financial goals. The algorithm will help you uncover when you should buy and at what price point to achieve your goals, and you can map out different journeys, all with the guidance of one of our expert Property Planners.

Work with the creators of the Property Planning concept since 2004.

Unique Expertise

Our unique expertise has evolved over thousands of conversations since 2004. We know the questions that you need to ask to make superior decisions now and for the long-term.

How to Succeed with Property to Create your Ideal Lifestyle

The Three Steps to Success and Seven Critical Mistakes

Property for Life: Using Property to Plan Your Financial Future

An essential guide to property and finance decisions for Australians

Our process includes 4 four steps:









“Our mission is to educate and empower Australians to create their ideal lifestyle”
David Property Planner

David Johnston

Founder and Managing Director

Make the fewest number of property decisions to achieve your goals