How we help you create your property plan
Plan
We start by understanding your complete situation, including your current properties, income, goals, risk appetite, timeframes, lifestyle aspirations, and long-term vision for both your home and investment portfolio.
Strategise
We work with you to map out multiple property pathways, determining how many properties you need, which to hold or sell, whether your next move is a home or investment, and the timeline to achieve your goals.
Select
With your plan in place, we help you understand what to look for in your next property, like the right location, asset type, price range, and investment return, so you select with confidence, not guesswork.
What you'll receive
Full ongoing access to Australia's first and only Property Planning platform to build and evolve your own property plan
Choose the level of support from planning and strategy meetings that's right for you
Property selection tools and materials to help you evaluate properties like an A-grade buyer's agent
Two education handbooks, including content from our former university-endorsed education course and a Future Home Framework to methodically work through what you want from your next home
Who we help
We're property planning specialists based in Melbourne, working with time-poor professionals who want to build wealth through property with a clear strategy. But location doesn't limit who we can help, and we work with professionals buying property anywhere across Australia.
Our clients include doctors, lawyers, accountants, business owners, and professional athletes who want both an investment portfolio and a long-term home but don't have time to figure it all out on their own. Many come to us stuck on their next decision and stay with us as they build their portfolio.
What our clients say
The team were amazing in helping us secure a loan right for us, we are first home owners. Everything was explained in length and any questions were answered with a no nonsense reply. Communications was great through the whole process. Thank you Ryan and the team for your efforts!
Iain
Cheltenham, VIC
Richard was amazing! As first home buyers we required a lot of guidance which Richard provided. He was so prompt with his communication and always took the time to explain everything to us in great detail. I honestly would recommend Property Planning Australia to anyone looking for a Strategic Mortgage Broker.
Maddi
Armadale, VIC
A fantastic experience from start to finish with Property Planning! Made the process as seamless as possible, always being there to answer my questions and help me understand the entire process! Highly recommend to anyone looking to purchase their first property and am so glad I got the recommendation!
Lucy
Glen Waverley, VIC
Property Planning Australia has been so helpful in organising a loan and dealing with the purchase of my new property. All members of the team have been extremely prompt replying to any questions I had and ensured everything ran smoothly. I am very grateful to all involved and would highly recommend them.
Anna
Mount Eliza, VIC
Nirakar was super accessible and offered great support throughout our whole house hunt and purchase. Loads of great advice and tips, he went above and beyond for us and was a great ally during a really tough time to be buying. Will definitely use again, can't recommend highly enough.
Jesse
Rippleside, VIC
We reached out to Property Planning Australia as we needed help with deciding whether we purchase a home or investment. After receiving our Property Plan, scenario modelling and advice, it was clear that we wanted to prioritise the home, which we have recently purchased! Thank you PPA, the service has been second to none.
Marco
Carrara, QLD
The team at Property Planning Australia are fantastic. They helped guide me through the process of getting my first home loan, and went above and beyond in making sure I had the best home loan rate and package that suited my needs. I cannot recommend them highly enough.
Matt
Ainslie, ACT
David, Ryan and the Property Planning Australia team have been fantastic for us in managing end to end processes for property planning advice and financing. Their can-do attitude and completeness of service can't be underrated and I recommend anyone to use the PPA services if you want excellent independent advice.
David
Ashfield, NSW
Highly recommend, gave us great support in purchasing our first property, from initial advice through to completion. Professional, thorough and always on hand to answer any questions. Thanks so much for making what can be a stressful time a smooth and easy experience.
Frances
East Melbourne, VIC
Couldn't be happier with the service from the team. Buying our first home was a huge deal for us, but the genuine care & help from the whole team made us feel so comfortable and really made the whole process stress free!
James
Doncaster East, 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:
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.
Planning software
Model multiple scenarios to understand your exact cash flow and buffers.
Frequently asked questions
Property planning is about creating a complete strategy for your property portfolio, not just buying your next property. While most people make property decisions one at a time without a clear plan, property planning helps you determine how many properties you actually need, which ones to hold or sell, whether your next move should be a home or investment, and the timeline to achieve your goals. We use software to model multiple long-term scenarios based on your income, expenses, and situation, showing you different pathways so you can choose the one that's right for you. It's the difference between building wealth strategically versus buying properties reactively and hoping it all works out.
Property planning is essential if you're stuck on your next property decision, building a portfolio without a clear strategy, or want to ensure every decision moves you closer to your goals. Ask yourself: Do you know how many properties you need to achieve financial freedom? Are you clear on whether your next move should be a home or an investment? Do you understand which properties to hold versus sell? Can you see the financial impact of different decisions on your long-term wealth? If you're planning multiple properties, facing a major life change, or simply want certainty around your next move, property planning ensures you're building wealth efficiently, not blindly.
Yes! Even if you’re not sure how much you’ll need in retirement, you can still start planning. The key idea is that retirement planning begins with understanding your lifestyle goals and building a strategy over time, not knowing an exact number from day one.
Discover property planning insights from our team
Listen to the latest episode of The Property Trio
Building a property portfolio without a plan is expensive
Most people buy properties reactively: when they can afford it, when something comes up, when the market feels right. Without a long-term plan, you don't know how many properties you need, which to hold and which to sell, or whether to prioritise upgrading your home or investing first.
We see this indecision constantly. Often, one partner wants to invest whilst the other wants to focus on their home. Without knowing the numbers, these conversations are difficult, and you end up taking years longer to reach your goals, holding the wrong properties, or missing opportunities altogether.
We give you the clarity and roadmap you need
As property planning specialists in Melbourne's eastern suburbs, we help you map out your complete property strategy before you make your next move. Using our planning software, we model multiple scenarios based on your income, goals, and situation, showing you exactly how many properties you need, which pathway makes sense, and what your next decision should be.
You'll see how different choices affect your cash flow, understand what purchase price passes the pillow test, and have a clear plan that guides every property decision from where you are now to financial freedom. It's not just about buying a property, but about identifying the right strategy for that purchase and all the ones that follow.
And because we also provide strategic mortgage broking, we ensure your loan structure supports your property plan every step of the way.