Independent Property Advice
Property Planner
Property Planning Australia offers genuinely personalised advice to assist you to make truly informed decisions.
The property advice industry is rife with advisors whose advice is tarnished by conflicted interests or who advocate a one-size-fits all formula.
Our approach is unique in that we first review your current position, evaluate your goals and determine the most suitable strategy to achieve your objectives. Our team consists of skilled analyst’s who have many years of experience in a range of fields all working to help achieve your goals.
Our Fee structure
At Property Planning Australia property advice is 100% independent. We do not sell property and we do not receive any fees from developers, real estate agents or any other third parties. We charge our clients a fee based on the type and level of service we provide to ensure our advice is squarely focused on your best interests.
When advising you about the selection of a property to purchase our fee remains the same regardless of how much you decide to invest. Most property advisors charge a commission fee based on the value of the property. This means the more you pay the more they get paid. That simply does not make sense to us.
We have a range of property services designed to suit your individual requirements.
Property Plan is a complimentary service to find out more about you. We first review of your current financial position and property portfolio. We then develop a plan to show you how property can be used to achieve your personal and investment goals. Click here to find out more
Property Select – investor is a complete search, analysis and negotiation service designed to put your plan into action. We will advise you every step of the way and guide you through the complex property market. It is perfect for investors who want to be sure they are making the right moves. Click here to find out more
Property Select – homebuyer is a complete search, analysis and negotiation service designed to help you find your dream home. We will sit down with you to develop a home buying strategy considering your current and future lifestyle requirements. We then search for the right property and help you secure the property at the right price. Click here to find out more
Buy Better is our analysis and negotiation service. You search and select the property that you feel is right for your needs and we will inspect the property to determine its value and investment potential. We then provide professional negotiation to secure the property at the right price. Click here to find out more
Sell Smart provides objective advice when you sell property. We first review the property to determine if the property should be sold and how the sale will impact on your investment strategy. If selling is the right option, we then manage the sale process to minimize sale costs and maximize the property value. Click here to find out more
Property Planning Australia has a full suite of services designed to help you make informed property decisions.
To discuss how Property Planning Australia can assist you please contact us or call on 1300 722 885
Property Review
The blueprint for your portfolio
Confused about the property market and concerned that you may make (or have already made) a very costly mistake?
Whether you’re buying a first home, upgrading your home, starting to build a property portfolio, or already have one, Property Plan can provide you with clarity and direction to put you right on track.
Property Plan is a complimentary meeting that:
- Evaluates your current financial position — income, assets, commitments, borrowing capacity.
- Clarifies your financial goals and how they align with your personal goals — e.g. buy a home to live in / an asset to grow in value / provide an income stream vs travel / have children / change your working hours / downsize etc.
- Determines your investment timeframe (short-term / medium-term / long-term) and risk profile (conservative / moderate / aggressive).
- Considers your position in relation to crucial factors that are too often overlooked:
- ownership structure — personal / company / trust? Which is right for you and will protect your tax position?
- land tax — what is your liability, and how is it affected by your ownership structure?
- Capital Gains Tax — how, and to what extent, will you be affected if you sell?
- depreciation benefits — how do they impact on the value of your assets?
- asset protection — what is the risk of losing your assets, and how can you minimise it?
- insurance — which insurances do you need to protect your asset from unexpected incidents?
- Determines the most appropriate overall strategy — build equity / consolidate equity / generate income
- Education by exploring the key economic factors that drive the property market — demographic trends, supply vs demand, interest rate changes, land value
- Provides a clear pathway for your next step — e.g. buy (what kind of property, where to find it, what price range), hold / refinance / sell an underperforming asset to realise equity.
The possibilities are many - Property Plan brings clarity and direction
To discuss how Property Planning Australia can assist you please contact us or call on 1300 722 885
Property Select PLUS
Complete property acquisition service
Whether you’re a first timer or a seasoned purchaser, buying a home can be confusing, time consuming and emotionally draining. The variety of properties in the market and the lack of objective information can make it difficult to arrive at a decision that’s genuinely in your best interests.
Property Select Home Buyer helps you cut through all this. It’s your complete search, selection and purchase negotiation service.
First, we assess your financial situation (income, assets, commitments, borrowing capacity) and undertake a detailed lifestyle evaluation to help determine the kind of property that will meet your needs now and in the foreseeable future.
Second, we search the market on your behalf to find a home that will suit your current and future lifestyle needs. When we find a potentially suitable property, we provide a verbal report covering the two key factors that influence what you can expect to pay for your home:
- Technical value — how much the property is worth in the context of the current market. We determine this by evaluating recent sales results for properties of similar size and style in the local area. We also look at the supply of land and property styles, and compare this with demand as determined by demographic trends, location, floorplan and streetscape.
- Emotional premium — when you’re buying a home to live in, emotional attachment plays a part. How much more than the technical value are you prepared to pay to secure the property you love and the lifestyle it offers?
As an owner occupier, you won’t qualify for tax benefits associated with holding the property. However, you can still accumulate equity as the property’s technical value grows over the years — providing a potential source of funds from which to draw for future investment or personal use.
This is why Property Select Home Buyer also includes an assessment and verbal report on the property’s capital growth potential. To determine this, we look at the land value per square metre, and the land-to-asset ratio (the amount of land as a proportion of the property’s overall technical value.)
Third, we develop a strategy to bid at auction or negotiate the purchase for the lowest possible price in the context of current market conditions.
Ensure your ‘dream home’ doesn’t become a nightmare!
To discuss how Property Planning Australia can assist you please contact us or call on 1300 722 885
Property Select for Investors
Complete property acquisition service
Buying an investment property can be confusing, time consuming and costly if you get it wrong. “What is the right investment property for my circumstances? What are the important factors to consider? What impact will an investment property have on my cash flow? What are my financial goals and how do I achieve them by investing in property?” These are a few questions that you should consider before committing significant funds to the property market.
The variety of properties in the market and the lack of objective information about investing can make it difficult to arrive at a decision that is genuinely in your best interests. Property Select Investor guides you through the process. It is your complete search, selection, analysis and purchase negotiation service.
First, we assess your financial situation (income, assets, commitments, borrowing capacity) and your personal goals (travel / have children / change your working hours / wealth creation etc.)
Second, we search the market on your behalf to find a property that will improve your financial situation and help you achieve your personal goals. When we find a potentially suitable property, we provide a detailed report that:
- compares the level of demand (indicated by demographic trends, location, floor plan and streetscape) with the level of supply (indicated by the availability of land and comparable building styles). The higher the enduring demand relative to supply, the greater the property’s investment potential;
- evaluates the property’s capital growth potential (strong / moderate limited) based on the factors above;
- compares recent comparable sales data to assist in establishing commercially viable purchase price;
- evaluates the property’s land-to-asset ratio (LAR) — the amount of land as a proportion of the property’s overall market value. The higher a residential property’s LAR, the greater the investment potential;
- evaluates the projected rental income of the property, and for our finance clients, analyses your likely cash flow situation (negatively geared / neutrally geared / positively geared). If the property is negatively geared, the report will provide an indication of the weekly shortfall to help you determine whether you can hold the property comfortably and service the difference between outgoings (mortgage, rates, insurance, repairs etc) and rental income.
Third, we develop a strategy to bid at auction or negotiate the purchase for the lowest possible price in the context of current market conditions.
- Save time, confusion and frustration
- Achieve your financial goals
Buy Better Home Buyer
- Professional assessment and negotiation
- Up to five properties
So … you’ve been doing the rounds of the property market, and you’ve found a place that you’d like to call home. You think the property is right for you, but you’d like an objective opinion. And you want a professional to do the bidding or negotiation, to make sure you buy at fair market value. That’s why Property Planning Australia developed a Buy Better service just for homebuyers.
Part One — assessing your lifestyle needs
While you’re scouring the market, Property Planning Australia will act as your ‘professional partner’ by providing ongoing assistance and advice.
We sit down with you and ascertain your current and likely future lifestyle needs. It’s one thing for a property to suit the way you live now, but it should also accommodate future lifestyle changes such as having children, working from home or retiring from the workforce.
Based on this, we will advise on the most appropriate locations and styles of property for your needs. This will help you focus your search and ensure you don’t waste time while you’re out in the market. You can contact us for verbal advice at any time during the search process, to bounce ideas off us about potential properties or locations.
Part Two — assessing your chosen property
Once you’ve found a property in which you have a genuine interest, Property Planning Australia will inspect the property, assess its suitability for your current and future lifestyle needs and determine its likely market value. This will give you objective information from which to make an informed purchasing decision.
Part Three — negotiation
If you choose to go ahead with the purchase, we will:
- Check the Contract of Sale to ensure everything is in order
- Advise on the most appropriate purchasing strategy
- Advise you on the likely purchase range,
- Bid at auction or negotiate privately on your behalf in accordance with your agreed spending limit.
Your professional property partner
To discuss how Property Planning Australia can assist you please contact us or call on 1300 722 885
What is a high growth asset?
When purchasing high growth property the aim is to secure assets that will out-perform the wider market. The main growth indicator for the property market is the median growth rate.
The median growth rate is determined by looking at the growth rates of a total number of properties in a particular suburb or city over a period of time and identifying the middle growth rate. It is not the average growth rate as many people believe.
In other words, the value of half the properties in that area will have grown more slowly than the median, while the other half will have grown more quickly.
Let’s take the example of a location where nine properties have been sold in recent months. Each one has grown at different rates. Ranked in order from highest to lowest, these are:
- 15 per cent
- 13 per cent
- 11 per cent
- 10 per cent
- 9 per cent
- 8 per cent
- 7 per cent
- 6 per cent
- 5 per cent
In this case, the property in the middle of this particular set of sale prices is the fifth property, which has grown at 9 per cent. Therefore, the median growth rate for this location over this particular period is 9 per cent.
By our definition, a high-growth asset will perform well above the median. 
Here is an example of a property that has out-performed the wider market. It was purchased in 2004 for $255,000 and has grown by over 12% each year up to mid 2008. Over the same time frame the Melbourne median has grown by around 7%.
Due to the power of compound growth the difference in value between buying this property compared to one growing same as the median will be in excess of $300,000 over 10 years.
Understanding the property market and how to select high growth assets will assist you in achieving your long term investment goals.
To discuss how Property Planning Australia can assist you please contact us or call on 1300 722 885
Sell Smart
An objective voice when you sell
Too many vendors commit to selling property before considering all their options and sell for the wrong reasons. When they do sell often they fail to achieve the maximum sale price, and/or pay the selling agent more than necessary.
Property Planning Australia is a specialist property advisory company - but we do not sell property. This puts us in an ideal position to act as an objective third party to advise you and oversee your sale process.
Sell Smart provides independent advice, cost and time savings, and an expert negotiation service to maximise your sale price. This framework allows you to stay in control throughout the selling process and ensures you make informed property decisions.
The first step to Selling Smart is to determine if selling is the best option and how the sale will impact on your situation taking into account tax liability, home loans and transaction costs.
Through Sell Smart, we inspect your property, give you an opinion of its likely selling range and investment potential, and then advise you how selling your property will impact on your home purchase or investment strategy.
Then, if you decide to sell, we will:
- Source, evaluate and appoint the most suitable selling agent for your property
- Negotiate their fee
- Oversee the marketing campaign, including advertising methods, schedule and budget
- Oversee the sale strategy, including the sale method (auction vs private sale) and establishing the reserve/for sale price
- Represent you during the negotiation to achieve maximum sale price
We remain directly accountable to you throughout the Sell Smart process. We do not receive any fees or commissions from the selling agent. Our fee comes from you — our client.
Don’t sell yourself short!
To discuss how Property Planning Australia can assist you please contact us or call on 1300 722 885
