Does your mortgage broker optimise your structure or just find you a rate?
Most mortgage brokers focus on getting you approved and finding a competitive rate. But if you're a professional building a property portfolio, that's only half the equation. The real value comes from how your loans are structured and whether they're maximising your tax deductions, protecting your cash flow, setting you up for future purchases, and allowing you to hold property long-term. Without strategic structuring, you'll pay more tax than necessary, limit your borrowing capacity, and take years longer to build the wealth you want.
We do both, and we do it well
As strategic mortgage brokers in Melbourne's eastern suburbs, we ensure you get competitive rates and the right structure. We set up interest-only loans on investment debt to maximise deductions, use offset accounts strategically to protect cash flow, and structure your borrowing to preserve capacity for future purchases. Our clients get set up for long-term wealth. And we stay with them for life, reviewing their structure annually and supporting every purchase, refinance, and portfolio decision along the way.
How we help you build your mortgage strategy
Plan
We begin with a thorough review of your current mortgage structure, tax position, cash flow, future property plans, and long-term goals to understand your complete financial picture.
Strategise
We determine the right mortgage strategy for your situation, how to structure your loans for tax efficiency, manage risk, preserve borrowing capacity, and plan your next move.
Select
We select the lender and loan products that align with your strategy. You'll get competitive rates, but more importantly, structures that support your long-term wealth plan.
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.
What our clients say
This is the second time I've used Property Planning Australia, and both times it has been a positive experience. Richard explained the process clearly and is always available to answer questions. The team are all exceedingly helpful – I highly recommend their services.
Suzanne
Altona, 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
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.
Courtney
Cheltenham, 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
We have worked with David and the team at PPA since 2012. They facilitated with our lender to help us through the purchase of an investment property. During the life of the mortgage they regularly reviewed the interest rate and sought to improve the rate where possible. Recently, they facilitated winding up our mortgage.
Mary
Deakin, ACT
Property Planning Australia were excellent; they were so supportive and understanding, answered all questions and we were so glad to have them in our corner during such a stressful time as we bought our first home. A really great team. Would absolutely recommend them to anyone who needs a strategic mortgage broker.
Alice
Forest Hill, VIC
We have been working with Property Planning Australia for close to 10 years now, when we purchased our first home. Since then we have purchased an investment property and upgraded to a new family home with the help of Property Planning Australia. Expert staff and great customer service made for stress-free buying experiences. Highly recommend!
Luke
Beeliar, WA
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 refinancing or purchasing a new property. I cannot speak highly enough of our experiences with them. Highly recommend.
Georgia
Leopold, VIC
The team at PPA are second to none, hence why we've been clients since 2013! Shout out to Nirakar – thanks for the endless conversations, patience and advice and Shreepesh, for the seamless private banking experience. Anne-Marie, you're just a star.
Yelena
Caroline Springs, VIC
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, 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:
Discover mortgage broking insights from our team
Listen to the latest episode of The Property Trio
Frequently asked questions
Strategic mortgage broking is about planning your entire mortgage strategy, not just finding you a competitive rate. While traditional brokers focus on getting you approved and securing the lowest interest rate available, we focus on how your loans are structured, ensuring investment debt is interest-only to maximise tax deductions, non-deductible debt is paid down first, and offset accounts are used strategically to protect your cash flow. A traditional broker helps you buy one property at a time; a strategic mortgage broker sets you up to hold property for the long term, acquire new assets, and build a portfolio that creates the lifestyle you want. The rate is important, but the structure matters more because getting it right from the start saves you tens of thousands in tax and positions you for growth, while getting it wrong limits your options and costs you opportunities.
Strategic mortgage broking is essential if you're building a property portfolio, planning for major life changes, or want to ensure your loan structure is tax-efficient. Ask yourself: Do you have a clear mortgage strategy that optimises tax deductions and manages risk? Are you planning to turn your home into an investment property, start a family, or move to a one-income household? Do you understand how your credit cards and debt affect your borrowing capacity and whether cross-collateralisation is right for you? Are you mixing deductible and non-deductible debt, or redrawing from investment loans for personal use? If you're planning multiple properties, considering equity investment, or simply want your mortgage to work smarter, not just cheaper, strategic mortgage broking ensures your structure supports your wealth goals rather than works against them.
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.
Your borrowing capacity depends on your income, expenses, existing debts, and the lender's assessment criteria. Use our borrowing capacity calculator to get a quick estimate. As a general guide, most lenders will lend 5-6 times your gross annual income, but this varies significantly based on your individual situation. Different lenders also have different assessment policies. Some are more conservative, others more generous. We know which lenders will give you maximum borrowing capacity based on your complete financial picture and help you structure your loans to preserve that capacity for future purchases.