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

2. Respond now

3. Over-communicate

4. We care

5. Proactive – be aware of what’s ahead

6. We get it right, first time

7. Solution hunters – we find the ‘how’

8. We are finishers – execute and implement

9. Manage and exceed expectations

10. We are team players

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

12. Simplicity is genius

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

14. Be the best we can be

15. Do the right thing

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
PPA awards
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

Make the fewest number of property decisions to achieve your goals