Property Planning Australia

What Property Planning Australia does

Property Planning Australia is a Melbourne-based, privately held financial advisory firm founded in 2004 that combines strategic mortgage broking with property planning services for Australian consumers. The company serves busy professionals, first home buyers, property investors, and existing property owners seeking long-term wealth-building strategies rather than transactional lending, with a primary focus on Melbourne's Eastern Suburbs and a secondary Sydney office at Surry Hills, while delivering services nationwide.

The firm operates two core service lines: Strategic Mortgage Broking, which optimizes loan structure, tax deductibility, and offset/redraw strategies through a panel of 50+ lenders accessed via aggregator Connective Broker Services; and Property Planning, which uses proprietary multi-scenario financial modelling software to map long-term cash flow, savings, and debt implications across buy, sell, hold, upgrade, renovate, or invest scenarios. Supporting tools include online calculators (borrowing capacity, property fees, extra repayments), a Money Management Principles eBook, and The Property Trio podcast, which has accumulated over 600,000 downloads.

Commercially, the company runs a sales-led, high-touch go-to-market anchored by free initial consultations, inbound enquiries, and a professional referral network of agents, accountants, solicitors, and buyer's advocates. Revenue is generated through lender commissions on mortgage settlements (transaction-fee) and fee-based property planning services at multiple tiers, with the firm operating under Australian Credit Licence 389112 across two proprietary limited entities (Vic and NSW). The company is privately held with no external institutional investors or funding rounds recorded.

Name

Property Planning Australia

Legal name

Property Planning Australia (Vic) Pty Ltd / Property Planning Australia (NSW) Pty Ltd

Website

https://propertyplanning.com.au

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

11–50 employees

Short description

Property Planning Australia is a privately held Melbourne-based advisory firm, founded in 2004, that combines strategic mortgage broking with property planning for Australian professionals, first home buyers, and investors. It uses proprietary scenario-modelling software to optimize loan structure and long-term wealth creation via a 50+ lender panel.

Ownership category

akta.pro rank

Product category

Mortgage Broking and Property Planning Advisory

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Other Activities Related to Real Estate (531390)

SIC

Loan Brokers (6163), Investment Advice (6282)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industry

Debt & Structured Finance / Mortgage Brokerage (BPAJABAK)

Keywords

• Strategic mortgage broking
• Property planning services
• Mortgage brokerage
• Property investment advisory
• Wealth creation through property

Headquarters

HQ city

Camberwell

HQ country

Australia

HQ region

Oceania

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Lender Commission (Mortgage Broking): Strategic mortgage broking services are typically paid through lender commissions at no direct cost to clients. The company is compensated by the chosen lender from their panel of over 50 lenders.
2. Property Planning Services: Property planning services are offered at different service levels with associated fees. Specific pricing is discussed during the complimentary consultation based on client needs.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

Property Planning Australia provides strategic mortgage broking and property planning advisory services to Australian consumers, combining loan structuring across a panel of 50+ lenders with long-term financial scenario modelling to help clients optimise tax deductions, cash flow, and wealth creation through property purchases, investments, and portfolio management. Services are delivered via free initial consultation followed by fee-based property planning engagements, while mortgage broking is typically compensated through lender commission.

Product overview

Property Planning Australia operates as a strategic mortgage broking and property planning advisory firm, not a technology platform. The company offers two core service lines: Strategic Mortgage Broking and Property Planning, supported by proprietary scenario modeling software. Strategic Mortgage Broking focuses on loan structure optimization, tax deduction maximization, and risk management for property portfolios. Property Planning provides comprehensive financial analysis and long-term scenario modeling to help clients make property decisions. Additional offerings include financial calculators, educational resources (eBook), and access to over 50 lenders through their aggregator Connective Broker Services. The company also uses third-party AI tools for internal document analysis and process automation, but does not offer these as user-facing features.

Differentiator

Problem solved

Functional benefit

Brands

• The Property Trio: Podcast hosted by David Johnston (The Property Planner), Cate Bakos (The Property Buyer) and Mike Mortlock (The Quantity Surveyor) covering property, mortgage and money decisions.

Products and services

• Strategic Mortgage Broking Strategic mortgage broking service focused on loan structure optimisation, tax deduction maximisation, and long-term wealth building through property. Includes rate negotiation, refinancing, offset account optimisation, debt recycling strategies, and risk management. Loan is typically sourced from a panel of 50+ lenders via aggregator Connective Broker Services, with the broker compensated by the chosen lender.
• Property Planning Property planning and strategy service that helps clients understand their complete financial picture, model multiple long-term scenarios, and create roadmaps for property purchases, investments, and portfolio management, including decisions on whether to buy, sell, hold, upgrade, renovate, or invest.
• Money Management Principles eBook Free eBook covering money management principles, including account structure frameworks (Grow, Life, Fun and Investment buckets) to help clients set money goals and manage cash flow.
• Property Planning Calculators Interactive online calculators including How Much Can I Borrow, Property Fees Calculator, and Extra Repayments Calculator to help clients assess their financial position.

Quantifiable outcome

• Success rate of 20-30% in negotiating better rates with existing lenders on behalf of clients
• +1 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Three partnerships are on record, tiered core and minor.

• Connective Broker Services Pty LtdcoreTechnology or IntegrationProperty Planning Australia is an authorised credit representative under Property Planning Australia (NSW) Pty Ltd ACL 389112, aggregated through Connective Broker Services Pty Ltd. Connective serves as the company's aggregator and provides the licensing and compliance infrastructure. The aggregator is mentioned in the privacy policy as handling data protection and privacy compliance.
• Financery Pty Ltd (trading as Catena Finance)minorGTM or Marketing PartnerProperty Planning Australia discloses client personal information to Catena Finance trading as Financery Pty Ltd (ACN 671 967 669) so that Financery can contact clients about asset, business, commercial and consumer finance options relevant to their needs. Clients can opt out of this disclosure at any time.
• Lenders Panel (50+ lenders)coreChannel Partner/ Reseller/ DistributorThe company has access to a panel of over 50 lenders through its aggregator Connective Broker Services. Full lender panel details available at www.connective.com.au/mortgage-broking/connective-lender-panel and www.connective.com.au/caf/lender-panel. Lenders include major banks and non-bank lenders for mortgage broking services.

Scale indicators4 records

Recent moves2 records

Expansion highlights5 records

Direct peers

• Astute Financial Group: Aggregated mortgage and finance broking group with referral channels from real estate professionals, comparable to PPA's mix of mortgage broking, strategic property advice and intermediary referral flows.
• Loan Market Group: Aggregator-led broker network that distributes mortgage and finance products through individual brokers across Australia. Like PPA, Loan Market brokers rely on commissions from a panel of lenders, creating overlapping value propositions and distribution mechanics.
• Mortgage Choice: One of Australia's largest franchise-based mortgage broker networks, aggregator-aligned like PPA. Mortgage Choice brokers income is primarily lender commissions, placing it as a direct peer in the residential brokerage category.
• Metropole Property Strategists: Australian property advisory firm focused on wealth creation and portfolio structuring for investors. Closely comparable to PPA's property-planning arm in service design, content-led marketing and emphasis on long-term scenarios rather than transactional sales.
• Resolve Finance: Aggregator-backed mortgage broker with a national consultant network serving borrowers across Australia. Comparable as a competitor broker leveraging aggregators to access 30+ lenders, overlapping in target market and delivery model.
• Yellow Brick Road Wealth Management: Australian financial advisory and mortgage broking firm combining lending, wealth and SMSF services. Closely comparable to PPA in delivering bundled lending and strategic advice rather than pure transactional broking.
• Finsure Group: Aggregator-led broker that supplies franchisees and directly-authorised brokers with access to lender panels. Comparable to PPA in operating an aggregator relationship to access 50+ lenders and the same intermediary commercial positioning.

Broad incumbents

• Aussie Home Loans: Australia's largest retail mortgage broker with hundreds of branches and broad broker footprint. Comparable in revenue model (lender commissions) but operates at a much larger, more commoditised scale than PPA's advisory positioning.
• Smartline (Suncorp-owned): Bank-aligned Australian mortgage broker network owned by Suncorp. Operates at significantly larger scale than PPA but overlaps on the residential mortgage broking, advisor-centric business model.

Emerging players

• Athena Home Loans: Australian digital-first non-bank mortgage lender targeting borrowers directly without intermediaries. Comparable because it competes for the same loan dollars and is reshaping the role of brokers, pressuring traditional broker value propositions like PPA's.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/c/PropertyPlanningAustralia
• Facebookfacebook.com/propertyplanning
• LinkedInlinkedin.com/company/property-planning-australia
• Instagraminstagram.com/propertyplanningaustralia

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Property Planning Australia