Who Are We

Our Vision

To provide the most client centric property, mortgage and money management advice in the world.

We are the original Property Planners Since 2004

As creators of Property Planning and Mortgage Strategy we have absolute clarity of purpose.

The problem we are solving

  • Despite a residential property market worth almost $10 trillion, the property industry is unregulated and focuses on selling property with often hidden commissions.
  • The mortgage industry focuses on selling interest rates when we all know that 3.99% is lower than 4%, rather than mortgage strategy to create wealth and manage risk via your largest financial commitment in life.
  • The financial planning industry largely focuses on selling insurance, investment products and super-funds and aren’t able to provide property advice.

You get the picture, the property, mortgage and financial advice industries and the legislation supporting it is geared towards the most efficient ways to sell products and property to you, largely via large monopolistic institutions.

Why choose Property Planning Australia?

Now, we can put you in control of your own Property Plan using Australia’s first and only Property Planning platform tool allowing us to continue to live out our Mission.

Our Mission

Educate and empower you to create your ideal lifestyle.

Through our experience of meeting the needs of thousands of clients since 2004, our service has evolved to provide you the education and advice needed to make informed decisions.

We ask the right questions and provide you with the right information to empower you to make successful property, finance and lifestyle decisions.

As the only company in Australia to offer independent property advice without selling or buying property, we focus on you and your needs.

Through our exceptional service our team save you time and emotional energy whilst growing your wealth.

No one focuses on Property Planning for the accumulation of our most expensive asset by providing truly independent advice free from location bias.

Our Values


Our values are lived out by the 15 actions in our Game Plan

1. Evolution – challenge the norm

We are on a quest to find a better way for every process and everything we do. This obsession never ends; it’s our passion, its’ part of our DNA. If it’s ‘good’, make it ‘great’. If it’s ‘great’, take it to a higher level! We take responsibility for our own actions as well as actions we see others take. This means questioning every process and each other and boldly ‘thinking outside the square’.

2. Respond NOW

A sense of urgency is our inner sense of responsibility to do the right thing by others. Responding ‘now’ reflects quality of character – and we are of the highest character. Our commitment to exceed expectations ensures we provide timely – yet thoughtful – replies to clients, teammates and business partners alike. All calls and emails are answered the same day – even if it’s to say, ‘I don’t know – but I will find out’ or ‘I’ll have a solution for you by …’ Immediacy differentiates. It sends a strong message that we value our clients and their time.

3. Over-communicate

We provide clients with comprehensive explanations and thoughtfully seek confirmation of understanding. On our team, we develop rapport with clients, so they feel comfortable asking for clarification or raising concerns. It’s important to explain what we’ve been doing behind the scenes, especially in regards to all the hard work involved with the lenders. Thoughtful communication is our point of difference and something we excel at. Listening intently is where great communication starts. It also shows we care.

We consider the best method for each communication. Would a verbal conversation be most effective? Does the client prefer to absorb written information? Maybe it needs both – a phone call followed by an email to reiterate the key points?

4. We care

Our team members genuinely have our client’s best interests at heart. We are highly responsive and endeavour to provide peace of mind with all communication. Purchasing and borrowing large sums of money is often a stressful time. This is why we always strive to exceed expectations. People only care how much you know, after you show them how much you care!

5. Proactive – be aware of what’s ahead

We are always thinking and planning ahead – trying to anticipate what we can do to make things easier or better for our clients. We are switched on and alert to discover solutions and open up future opportunities. We put ourselves in our clients’ shoes and have their end goal in mind. We ask ‘how can we make this easier for our client?’

6. We get it right, first time

Families, couples and singles making their most important life decisions are relying on us, so we can’t tolerate time – or cost-wasting internally or with business partners. Our team is highly organised and super skilful. Spot-on attention to detail means we deliver service with professionalism. We dot the I’s and cross the T’s’ before approaching lenders. We strive for everyone that we do business with to see us as a preferred partner.

Why kick into the wind from the boundary 50 metres from goal when you could kick a drop punt 10 metres out directly in front of the goal posts (with the howling wind at your back)? We get it – we choose the smartest option to score the goal on the first attempt!

7. Solution hunters – we find the ‘how’

We strive to give the answer ‘yes’ – even if this means putting in extra time and effort to find a solution that’s not immediately in front of us. Rather than pointing out difficulties and obstacles, we get cracking on exploring different possibilities to work out how we can make things happen. We always lean to the ‘yes’ side of life. No-one wants to work with naysayers. Inquiring minds look for a ‘yes’ solution. If not today, how and when can it be done? We never give up!

8. We are finishers - execute and implement

Ideas are important, but rewards only come when ideas are put into action. We finish the job, leaving no loose ends – and our clients and teammates love it! Every day we identify and implement solutions to benefit our clients and evolve our great service.

9. Manage and exceed expectations

Client satisfaction is our top priority – and this can only be earned through responding ‘now’ with useful advice, information, positive interactions (be it face-to-face, phone or email) and being attentive to client needs. We build lasting relationships with our clients by investing extra time getting to know them, asking questions, listening and then ‘over-communicating’ solutions. The best way to manage client expectations is to exceed their expectations. Client goodwill is the key to what we do. Exceeding expectations is the fastest way to ensure we get more than our fair share of referrals!

10. We are team players

A supportive and sharing mindset is fundamental to teamwork. Sharing knowledge brings an abundance of good will and positive outcomes. The law of reciprocity is powerful. On our team, there are no spectators. Everyone is an active and valuable player who understands their role is equally important as their colleagues. We are ‘doers’, solution hunters and we execute and implement our innovative ideas. If we can see a problem, we are part of the problem unless we first consider the solution. The essence of teamwork is thinking about others first. Our ‘team’ encompasses employees, clients and business partners. We are all experts and thrive on what we do. Attitude and effort are paramount. We regard our clients as part of the extended team (or PPA family).

11. It’s the little things that make the difference

We realise that opportunities to make a difference are everywhere. They are usually found in the little things all around us. These are the small, but imperative, details that we take care of when no one is watching. We strive to identify the fine details that others miss. This expertise can’t be copied by our competitors. It is the little things that make a big difference. We keep doing all the little things with greatness.

12. Simplicity is genius

We aim to make processes as clear and simple as possible, while retaining the necessary detail to properly inform our clients and meet compliance requirements. We get rid of the distracting ‘noise’ that doesn’t add value.

13. We listen first and second, and then ask more questions

The most successful service providers ask seven times more questions than the average. This goes to the heart of knowing your clients, understanding the situation and ‘reading the play’. We have two ears and one mouth – we strive to use them in that order.

14. Be the best we can be

The things we most want in life are often outside of our comfort zone. We are committed to uncompromising quality and growing and developing ourselves through a never-ending quest to be the best we can be as a team and as individuals.

15. Do the right thing

PPA’s team members follow their moral compass. We set the benchmark for principled behaviour; we are the example of exemplary conduct in our industry. The principles of our ‘Game Plan’ give us absolute permission to showcase our character over and over again. Sometimes doing the right thing means going into battle on our clients’ behalf. As long as we are following our ethical instincts, we can be fearless in our pursuit of great service.

David Johnston

Founder and Managing Director

David is the founder and Managing Director of Property Planning Australia. He is the author of How to Succeed with Property to Create your Ideal Lifestyle; and Property for Life – Using Property to Plan Your Financial Future published by Wiley.

Property Planning Australia was established in 2004 – born out of David’s vision to educate and empower Australians to make successful property, mortgage strategy and money management decisions on the pathway to creating their ideal lifestyle.

David is a father of three, family has always been his driving force, and he thinks that is common for most of us which is why he is so passionate about Property Planning.

Property is the only asset class we live in, it is where we raise our families, and yet it can also create wealth as an investment. 

He has a passionate belief that independence from selling property and investment products focuses the advice squarely on you and your family.

Where it all started……

In 1999, after finishing university and a few years working at a major bank prior to his 24th birthday, David came to the realisation that consumers wanted choice and education when taking out a mortgage.

At the time few consumers were aware of mortgage brokers.

Now more than half of all mortgages in Australia originate through mortgage brokers.

His clients soon started asking questions about how to make better property decisions.

This set him off on a journey of discovery to understand what constitutes long term successful property decisions and create a place for people to be able to make educated and informed property decisions free from vested interests.

He couldn’t believe there wasn’t a Property Planning industry, and mortgage advice was focused on selling products and interest rates rather than mortgage strategy to create wealth and manage risk. 


Multi award-winning team
Net Promoter Score

Our average ‘Net Promoter Score’ that we have been receiving from clients since 2019 over many hundreds of responses, which is based on the likelihood to refer friends and family, is 9.7 out of 10.

Our clients feedback and thoughts is ultimately the greatest reflection on the team. Let’s be honest, life is imperfect and no one gets it right all the time, but we strive for excellence with our service always and ongoing. 

Our team of over 20 staff will save you time, energy and stress, so you can spend more time with friends and family and focus on what is most important to you in life.

We are thrilled to have been recognised with many prestigious awards

Since 2004, we have consistently been recognised for:

  • Excellence in Customer Service
  • Diversification
  • Business of the Year
  • Independent Business of the Year
  • Top Start Up

What we do is important for all our clients and their families who we would like to give a big thank you for allowing us the privilege to support them through one of life’s most important decisions!


MFAA Awards

This year we attended the prestigious Mortgage and Finance Association of Australia (MFAA) Excellence Awards for Victoria where we were very pleasantly surprised to win two out of the three categories that we were finalists in.

We were honoured to take the gong for the Best Mortgage Business in Victoria, and just as thrilled to Win the Best Customer Service Award.
We were also finalists for Best Diversification.

These awards are great recognition for our wonderful team who put in so much effort and energy into delivering on our purpose to provide world class mortgage strategy and property planning advice to help our clients create their ideal lifestyle.

Professional Membership

We are members of leading industry bodies :

  • Property Investment Professionals of Australia (PIPA)
  • Mortgage and Finance Association of Australia (MFAA).

We also hold our own Australian Credit License.

We have been recognised for our dedication and sense of responsibility to consumers and our clients.

Media we have worked with

The Property Planning journey so far…

Property Planning Australia began in 2004 as the first company to provide mortgage broking and fee-for-service buyers advocacy under the one roof.

Mortgage brokers were now emerging as a growing force for consumers, though many were blissfully unaware of the services of a buyer’s agent.

David realised that for all the great things buyer’s agents did, they transacted only.

There was no long term planning or broad based review of people’s financial circumstances and goals.

People wanted a tailored Property Plan that considered the now and what’s next, all in the context of a long term property pathway towards achieving their lifestyle and retirement goals.

Property Education and the Property Professor

In 2007, Peter Koulizos, Australia’s most respected University and Tafe Property Lecturer partnered with David Johnston and the team.

Together they have run the only university endorsed property education course for over a decade and now all that education and much more is infused into the Property Planning service.

Peter continues to partner with David producing The Property Planner, Buyer and Professor podcast because of the focus on fiercely independent property advice, supported by Australia’s first Property Planning platform, and uniquely developed approach to Mortgage Strategy and Strategic Mortgage Broking.

This journey built a sphere of expertise

Throughout the years since 2004, the Property Planning service and products have evolved, including providing genuine fee for service Financial Planning, before narrowing this experience into creating the Property Planning service and products and Strategic Mortgage Broking.

Property Planning Australia is fiercely independent, free of vested interests and now putting the Property Planning platform tool in your hands to create your own Property Plan.

At its essence, the Property Planning service is dedicated to educate and empower you to make life’s most expensive and emotional decisions.

Enabling you to accumulate wealth through property and create your ideal lifestyle
David Property Planner

Make the fewest number of property decisions to achieve your goals