We’re strategic mortgage brokers and property planners specialising in Melbourne's eastern suburbs. We take time to understand your complete financial picture, then help you determine the right strategy for your situation, whether that's buying, selling, holding, or waiting.
Melbourne mortgage brokers who fix your strategy, not just your rate
Since 2004, we've worked with busy professionals who don't have time to chase the best interest rate every year. Whilst we'll ensure you're competitive, our real focus is on making sure your mortgage structure works for you: maximising tax deductions, managing risk, and setting you up to hold property for the long term.
When you're planning to make a purchase, we'll map out your financial situation over multiple scenarios tailored to you, so you can see the pathway that works for you and build wealth strategically, not blindly. This helps you understand your cash flow and buffers, so you know exactly what you can afford and sleep soundly after settlement. From there, we'll check in with the market regularly to ensure you're on the sharpest rate, review your evolving situation, and manage any post-settlement needs.
Property planning in Melbourne
Stuck wondering whether to buy, sell, hold, upgrade, renovate, or invest? We help you get unstuck. Through our software, we work with you to understand your complete financial picture, then map out long-term scenarios to show you exactly what's possible. You'll see how different decisions affect your long-term cash flow and savings, and what this means for your overall future debt level. We help you build a clear roadmap from where you are now to the lifestyle you want, so every property decision moves you forward with confidence, not guesswork.
Strategic mortgage broking in Melbourne
Your mortgage structure can be more important than the interest rate you're paying, and we ensure you get both right. For busy professionals building a property portfolio, how your loans are set up determines how much wealth you actually build. We ensure you're structured to hold property for the long term by maximising your tax deductions, implementing money management strategies, and managing risk through smart offset and redraw strategies. This includes preserving the original purpose of your debt so you don't lose tax-deductibility when you reborrow.
Our Services
Multi-award-winning
Recognised for exceptional service and strategic expertise
Proprietary software
Model multiple scenarios to understand your exact cash flow and buffers
Strategic mortgage planning
Optimised loan structures that maximise tax deductions and long-term wealth
20+ years of experience
Helping Melbourne professionals build wealth through property since 2004
20+ years of experience
Helping Melbourne professionals build wealth through property since 2004.
Multi-award-winning
Recognised for exceptional service and strategic expertise.
Strategic mortgage broking
Optimised loan structures that maximise tax deductions and long-term wealth.
Proprietary software
Model multiple scenarios to understand your exact cash flow and buffers.
Rated 5/5 stars by our property owners
The Property Planning team are all so great and make the experience hassle free. Our broker Ryan communicated with us through the whole thing, helping to keep it stress free and easy. Definitely recommend them.
Cody
Christies Beach, SA
Highly recommend Property Planning Australia. Ryan and the team understood what we were looking at, helped refine our decisions and came up with a few solutions to maximise our position. Fast and accurate.
Jess
Glandore, SA
Nirakar was brilliant!! Level of service was first class. Took the time to explain details thoroughly which provided confidence in deciding how I move forward to suit my needs. I highly recommend Nirakar.
Mathew
Boronia, VIC
A very informative service, explained in a simplistic and friendly way. Could not fault these guys, a great and invaluable experience all round. I understand a lot more than I would have without them.
Ben
Marshall, VIC
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
I have negotiated 3 investment home loans via Richard and the team at Property Planning Australia over time and thoroughly recommend PPA with regards to respectful service, prompt communications and range of mortgage products.
Marlene
Woodford, 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
I have had the immense pleasure of being on the receiving end of Property Planning's amazing services. I would highly recommend the team here from many years of being a client. Thank you.
Steve
Bronte, NSW
We had Richard White complete our loan for the investment property we purchased. Richard was extremely professional throughout the entire process. We would highly recommend Property Planning Australia.
Cade
Thurgoona, NSW
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
Recognised expertise in property and finance
With over 20 years in the industry, our team is regularly asked to contribute insights to leading property and finance publications:
Read the latest insights from our team
Listen to the latest episode of The Property Trio
Frequently asked questions
We're based in Melbourne's eastern suburbs and work with clients across Australia. Whilst many of our clients are in Hawthorn East, Camberwell, Malvern, Kew, Glen Iris, and surrounding Melbourne areas, our strategic mortgage broking and property planning services are available nationwide. We help professionals build wealth through property regardless of where they're located.
We're not just mortgage brokers, we're strategic mortgage brokers and property planners. While we'll ensure you have a competitive rate, our real focus is on fixing your entire mortgage strategy: maximising tax deductions, managing risk, and setting you up to hold property for the long term. We also help you create a complete property roadmap, so every decision moves you closer to your goals.
Absolutely. In fact, many of our clients come to us with existing mortgages that aren't structured optimally. We review your current setup and help you restructure to maximise tax deductions, improve cash flow, and set you up properly for your next property purchase.
Our strategic mortgage broking services are typically paid through lender commissions at no direct cost to you: we're compensated by your chosen lender from our panel of over 50 lenders. For our property planning services, we offer different service levels. We'll discuss fees and options during your complimentary consultation based on your specific needs. This ensures you only pay for the level of support that's right for your situation.