For busy professionals seeking a low risk approach to creating your ideal lifestyle


Property Planning Australia

Our Proven Excellence Since 2004

We’ve won dozens of awards since we were founded in 2004. Most recently, in each of the last three years we were recognised for Outstanding Customer Service, Best Diversification and Best Mortgage Business from the Mortgage and Finance Association of Australia (MFAA) Excellence Awards.

Awards Property Planning

Read some of David Johnston’s Domain and Australian Financial Review advice articles

Why isn’t there a Property Planning industry?

Retirement Vacation Concept, Mature Coupe Watching the Sunset

Why short-term investing in property has long-term consequences

How data can help property investors identify gentrification before it happens

Why doesn’t the mortgage industry focus on Mortgage Strategy?

The five ways to create wealth through your mortgage

How to keep your first home when upgrading

How to Succeed with Property to Create your Ideal vs Idea 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


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

You are unique, and so is your Property Plan and Mortgage Strategy.
We empower you to develop a plan with a long-term view, connecting your lifestyle and financial goals to your property decisions – from your next decision through to your last.

Property Plan

Stress-Free Buying and
Accumulation Experience

We all deserve targeted expertise dedicated towards accumulating our major asset in life. As a time-poor professional, the buying and accumulation experience can be stress free for a:


A faulty mortgage strategy will cost you money from the day of settlement.

This cannot be reversed – only rectified from now!

Our process includes 4 four steps


How Are We Different?

We do not sell Property. We do not act on behalf of property developers, project marketers, selling agents, buying agents, or financial planners.

We do not sell investment, financial or insurance products.

Your Property Plan , Property & Mortgage Strategy, Risk and Money Management is tailored to your unique circumstances.

Most lenders and mortgage brokers neglect your Mortgage Strategy – as it can be complex – whereas understanding an interest rate is simple. Yet your Mortgage Strategy underpins your Property Plan, Money Management and Risk Management. This is where we help you set solid foundations with our expert advice.

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.

Your Property Plan should be supported by a considered Property and Mortgage Strategy, Property Education, careful Money Management and intelligent Risk Management.

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

Golf Day Property Planning Team

Supporting WPGA 2022

We are proud to support the Womens Professional Golf Association (WPGA) event this year on the 23rd – 25th of January.

Established in 1972, the WPGA Tour of Australasia is one of seven major international women’s golf tours recognised by the Rolex World Rankings.

Wonderful to be associated with an organisation doing great things for the sport and the local community.

We are so excited that we are involved, we thought we better put on our best golf gear to celebrate and take to the green!

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

Hear from our clients

“The whole process from my first contact, to receiving the completed plans this week has been fantastic and I feel much more confident in my decisions now. You have both helped me increase my knowledge and view of property investment to levels I never would have thought possible six months ago! So again thank you!”

Andrew, Hawthorn

“Our property plan has been invaluable – it has helped us clearly understand our property goals and provide a road map to get there. We now feel that we have the right strategic financing in place and we have a much better understanding of where we are going. David is a true professional who takes the time to truly understand every aspect of your personal situation and provides excellent advice in a concise manner. We would have no hesitation recommending this service to our friends or family!”

Mark and Renee, Mitchham

“I have been really happy with all the services provided by Property Planning and everyone that I have been in contact with have been of great help. If I come across anyone that could use your service I will definitely recommend Property Planning to them.”

Michelle, Thornbury
Buying my property is the most important and most expensive investment of my life. I needed my investment strategy and plan to be prefect; therefore, I started searching for the prefect adviser. I talked to more than 50 buyers’ agents and companies across Australia. I believe the property planning Australia is the best company in Australia. This is mainly because their business model is free of conflict of interest (They don’t accept kickbacks, which is very rare in their business). Importantly, they try to empower their clients so they can understand all complexity of property market and decide the best course of actions themselves. Their staff are kind, caring, and supportive. Throughout my journey, I learnt a lot about the property market and how we can make money in this market. I really appreciate Property Australia for this.
Mojtaba, Doncaster VIC
My partner and I engaged Property Planning Australia after being told about the benefits of property planning more generally. We’ve been incredibly happy with their service up to this point. They’re informed, responsive, thorough, and consistently professional. We’re on the start of our property journey and, frankly, find it incredible that more people don’t engage firms like Property Planning Australia given the costs of purchasing in Australia—and the costs of overlooking seemingly ‘minor’ details when deciding what to purchase, where to purchase, and when to sell, etc. They’ve been an invaluable partner to us as we navigate Sydney’s crazy housing market and couldn’t recommend them more.
Andrew, North Rocks NSW
Our experiences with Property Planning have been overwhelmingly positive.
They guided us from confused prospective purchaser to confident property owners.
We were guided into what type of properties to buy, the best locations to buy, traps to avoid and in depth feedback on individual properties and we ended up with a much better outcome than if we had proceeded alone.
Additionally, the mortgage and banking support was second to none. We didn’t have to navigate the Banks confusing options or worry about large amounts of documentation. The options were clearly outlined to us in terms we could understand and we, once again, are very happy with the outcomes.
Tim, Bentleigh East VIC

I couldn’t speak more highly of a company! The entire team at property planning Australia were absolutely amazing. My partner and I felt SO supported throughout the whole process. The communication throughout was outstanding, from regular email updates to phone calls to confirm appointments and to check in to see how we were going.
I have recommended property planning Australia to almost all my friends looking to buy or who have already purchased.
Thank you property planning Australia for helping us buy our first home!

Courtney, Cheltenham VIC
David Johnston and his team have been an incredible resource and asset to my husband and I. Their guidance and assistance with Property Planning and Mortgage Strategy has been invaluable. As a young couple ready to take the first steps to buying our first home we feel like we couldn’t be in better hands. No question is too big or too small and they’re always willing to have a chat and re-explain things, at no point did I feel embarrassed about ‘not getting it.’ I didn’t know the first thing about property before working with David and his team. Buying my first home is a big step in my life and I’m glad I have David in my corner. Would highly recommend!
Rachel, Flemington VIC
Dave & the team at Property Planning helped me into my first house in Malvern East almost 15 years ago & have done it again in 2020. The experience was excellent with regular communication all the way through. Now, almost 3 months after settlement we are still getting follow ups ensuring that everything is as expected. 5 stars & strongly recommend PPA as a friendly & professional broker for anybody looking to buy!
Phillip, Malvern East VIC
From the start we have had a wonderful experience with Property Planning Australia. The team who are helping my husband and I have been extremely professional, very knowledgeable and has been extremely thorough with providing us information. They are very responsive and has made us feel confident in every stage of the process. The education and service that Property Planning Australia provides is amazing and for a great price. Can’t fault them.
Kathryn, Richardson ACT
Property Planning Australia are experts in everything to do with property. Their experienced staff made the process of obtaining new loans very easy. Thank you. Highly recommended.
Edwin, Cheltenham VIC
It was an absolute pleasure to deal with the whole team at Property Planning.
I was kept in the loop from start to finish and the communication from the team is very strong.
I would recommend the team at Property Planning as they are all very friendly and professional and so easy to deal with.
I thank you all very much and look forward to sending you more business.
Thanks again for your help.
Rose, Clayton South VIC

A fantastic experience from start to finish with Property Planning! Made the process as seamless as possible, always being there to answer my questions and help me understand the entire process! Highly recommend to anyone looking to purchase their first property and am so glad I got the recommendation! Thanks Property Planning Australia!

Lucy, Glen Waverley VIC

David, Ryan and the Property Planning Australia have been fantastic for us in managing end to end processes for property planning advice and financing. Their can-do attitude and completeness of service can’t be underrated and I recommend anyone to use the PPA services if you want excellent independent advice.

David, Ashfield NSW
PPA have been really professional and certainly helped us with our mortgages and property portfolio. We are a lot clearer about where we are heading in the future and how to achieve our future plans.

Lorraine, Warradale SA
We’ve been with PPA for over 8 years, and have found the team to be very proactive, communicative and professional. Highly recommend PPA for selecting a property and also as mortgage brokers
Georgina, Surrey Hills VIC
Love PPA. I’ve been dealing with Property Planning Australia for nearly 8 years and they are a credit to the industry – very honest and always working in the best interests of the client.
Highly recommend.
Colin, Yackandandah VIC
I’ve been receiving excellent support and advice from the Property Planning team since the day they first opened their doors. Will be happy to keep using their services up until I retire and cash in my investments – however long that might be!
Andrea, Kensington VIC
We have been using Property Planning for years for all our financial needs. They are always very professional and provide a complete experience whether it is re financing or purchasing a new property. I cannot speak highly enough of our experiences with them. Highly recommend.
Georgia, Leopold VIC
Buying your first home can be pretty stressful, so a massive thanks goes to the team at Property Planning Australia for guiding my wife and I every step of the way! The team were professional, easy to deal with, responsive and best of all they’re experts at what they do, so I had full faith they were working for me to secure me the best home loan deal on the market. Great work PPA, I can’t recommend you highly enough!
Tom, Macleod VIC
If you are looking for a Strategic Mortgage Broker that knows their stuff back to front then look no further than Property Planning Australia! Our Mortgage Broker was amazing right from the first introductory phone conversation. Straight away he was able to talk through our options and talked about ways of structuring our loans I would have never thought of. We had some hurdles to overcome with self employed income and also being our 3rd property and the loan structure we wanted so careful bank and product selection was critical to get it over the line which was done first go. Always happy to answer any questions and provide the guidance we needed. Very professional organisation who has your best interests at heart. All round great experience and will continue using in the future.
Chris, Harkness VIC

Listen to Our Podcast

The Property Planner, Buyer and Professor

74+ 5tar Reviews, Over 100,000+ Downloads

Join the Property Planner, David Johnston, The Property Buyer, Cate Bakos and the Property Professor, Peter Koulizos 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!

Make the fewest number of property decisions to achieve your goals

contact us now