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Service details

Everyservice.Explainedthewayinvestorsactuallyneedit.

Beyond the buyers agency core, we deliver — or coordinate — the full advisory stack: broking, trusts, SMSF, tax, property management, rent-ready, strategy and auction bidding. Each section below is a deep-dive.

Service 01

Mortgage Broking

Finance structured for the strategy — not just the cheapest rate this week.

Loan structure design — Entity structuring (Personal, Trust, Company or SMSF), Interest Only vs Principal & Interest, Fixed vs Variable, Offset vs Redraw, Split loans

What’s included

  • Borrowing capacity assessment across multiple lenders (servicing varies materially between banks)
  • Pre-approval lodgement and lender negotiation
  • Loan structure design — IO vs P&I, fixed vs variable, offset, redraw, split loans
  • Ownership structure coordination with the trust/company/SMSF setup
  • Cross-collateralisation review — we typically de-link properties to preserve flexibility
  • Settlement coordination with conveyancer, buyers agent and lender
  • Annual review of rate, structure and refinance opportunities

Process

  1. 01

    Discovery

    Income, liabilities, goals, ownership preferences.

  2. 02

    Servicing scan

    Compare borrowing capacity across the panel.

  3. 03

    Structure design

    Loan splits, offset, ownership, IO/P&I.

  4. 04

    Lodgement

    Application, valuation, conditional approval.

  5. 05

    Settlement

    Coordinate with conveyancer and buyers agent.

Why it matters

A poorly structured first loan can quietly cap your portfolio at one or two properties. A well-structured one keeps the door open to five, ten or more — and protects your PPOR debt with the right offset and split-loan strategy.

Who it’s for

  • First-time investors who want the structure right from day one
  • Existing investors hitting servicing walls with their current bank
  • SMSF trustees needing limited recourse borrowing arrangements (LRBA)
  • Owner-occupiers planning to convert PPOR to investment in future
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Service 02

Trust & Company Setup

Asset-protection and tax-efficient distribution — set up correctly the first time.

The wrong ownership structure is one of the most expensive mistakes Australian property investors make. Buying in your personal name when a discretionary trust would have suited, or using a corporate trustee that doesn’t match your distribution intent, can cost tens of thousands in lost tax and stamp duty over a portfolio. We set up family trusts, corporate trustees, bare trusts (for SMSF LRBAs) and standalone companies — aligned to your strategy and signed off by Chartered Accountants.

What’s included

  • Discretionary (family) trust deeds with corporate trustee
  • Unit trusts and hybrid trusts where the strategy calls for it
  • Bare trust / custodian trust for SMSF limited recourse borrowing
  • Pty Ltd company incorporation with ASIC
  • ABN, TFN and GST registrations as required
  • Bank account opening assistance with major banks
  • Trustee resolutions, minutes and ongoing compliance templates
  • Foreign-person and surcharge land tax screening before deed execution

Why it matters

Land tax thresholds, distribution flexibility, asset protection and estate planning are all baked into the structure on day one. Restructuring later usually means triggering CGT and stamp duty — so the cost of getting it wrong compounds quickly.

Who it’s for

  • Investors building a portfolio of three or more properties
  • Business owners wanting separation between operating and investment assets
  • Families planning multi-generational wealth transfer
  • SMSF trustees needing a bare trust for an LRBA purchase

* We coordinate with your existing solicitor or use our preferred legal panel for deed execution. Stamping and registration vary by state.

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Service 03

SMSF Setup, Audit & Tax

Purpose-built SMSF administration for property investors — including the independent audit.

An SMSF can be a powerful vehicle for property — taxed at 15% in accumulation and 0% in pension phase if structured correctly — but it is also the most heavily regulated part of the system. We handle the full lifecycle: establishment, ongoing administration, the legally required annual independent audit, and the SMSF tax return. Founders are Chartered Accountants, so the advice and the compliance are under one roof.

What’s included

  • SMSF deed and corporate trustee establishment
  • Rollover coordination from existing super funds
  • LRBA structuring with the bare trust and lender
  • Annual financial statements and member statements
  • Independent SMSF audit (engaged separately to preserve independence)
  • SMSF annual return (SAR) lodgement with the ATO
  • Pension commencement, commutation and TBAR reporting

Process

  1. 01

    Eligibility & strategy

    Confirm SMSF is the right vehicle for your goals.

  2. 02

    Establishment

    Deed, corporate trustee, ABN/TFN, bank account.

  3. 03

    Rollover

    Transfer existing super balances in.

  4. 04

    Acquisition

    LRBA structure, bare trust, settlement.

  5. 05

    Annual cycle

    Accounts, audit, tax return — every year.

Why it matters

SMSF property is unforgiving — a non-arms-length transaction, a missed audit or an in-house asset breach can push the fund to non-complying status, taxed at 45%. Getting the setup, the LRBA and the annual cycle right protects the 15% (or 0%) rate.

Who it’s for

  • Members with superannuation funds looking to acquire investment properties
  • Business owners wanting to buy their commercial premises through super
  • Couples consolidating super to build a tax-efficient high-performing portfolio

* The SMSF audit is performed by an ASIC-registered independent auditor — we engage them separately to comply with auditor independence rules.

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Service 04

Individual, Company and Trust Tax Returns

Year-end returns prepared by Chartered Accountants who actually understand property.

Property investors often hand their tax to a generalist accountant who treats a rental schedule as a side note. We treat it as the centre of the return. Depreciation, capital works, repairs vs improvements, interest on redraws, loan-establishment costs, land tax deductibility and CGT events are all reviewed line by line — for individuals, companies and trusts.

What’s included

  • Individual tax returns with rental schedules and CGT events
  • Company tax returns including franking account management
  • Trust tax returns with distribution resolutions and streaming
  • Partnership returns where applicable
  • BAS and IAS lodgement for entities registered for GST/PAYG
  • Depreciation schedule integration (we coordinate the QS report)
  • Negative gearing optimisation across the family group
  • ATO correspondence and audit-readiness file

Why it matters

The difference between a generalist and a property-literate accountant is usually thousands of dollars per year per property — every year, compounding. We also keep your structures audit-ready, which matters when you start scaling.

Who it’s for

  • Individual investors with one or more rental properties
  • Trust and company owners running investment or operating entities
  • Clients we’ve set up structures for who want one team handling everything
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Service 05

Property Management Coordination

Vetted property managers, unbiased inspections, and an owner who actually knows what’s happening.

Most buyers agencies disappear at settlement. We don’t. Property management is where the yield either materialises or quietly leaks away through bad tenant selection, slow maintenance and absent reporting. We tie up with vetted local property managers in your purchase area, run unbiased inspections (we don’t take referral fees from PMs) and stay on the line as your advocate.

What’s included

  • Curated shortlist of 2–3 local property managers per area
  • Independent fee and service comparison
  • Onboarding coordination — keys, condition reports, tenancy agreements
  • Annual rent review benchmarking against the local market
  • Quarterly performance check-ins on rent, vacancy and maintenance
  • Mediation if the relationship needs reset or the PM needs replacing

Why it matters

A weak property manager can cost you 1–2% in yield through under-renting, and far more through avoidable vacancies. An independent set of eyes — that doesn’t take a kickback — is the cheapest insurance you can buy on the asset.

Who it’s for

  • Anyone whose current PM is non-responsive and needs a structured handover
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Service 06

Rent-Ready Improvements

Targeted, ROI-positive upgrades to lift rent and shorten vacancy — before the first inspection.

Between settlement and tenancy commencement is the highest-ROI window in the entire investment cycle. A few hundred dollars of paint, lighting and landscaping can lift the achievable rent by $20–$60 per week — that’s 5–15% extra yield, locked in for years. We coordinate the trades, the budget and the timeline so the property is on the rental market in days, not months.

What’s included

  • Walk-through with the property manager to scope the must-do list
  • Trade coordination — paint, carpet/floors, landscaping, basic plumbing/electrical
  • Cosmetic upgrades — door handles, tapware, light fittings, blinds
  • Professional cleaning and pest treatment
  • Listing photography and styling sign-off with the PM
  • Budget tracking against expected rent uplift (we won’t spend $1 we can’t justify)

Why it matters

Every week of vacancy is a week of rent you’ll never earn back. A property that looks tired rents 8–15% below comparable updated stock. Spend $3–5k on the right cosmetic items and the upgrade typically pays for itself inside the first 12–18 months.

Who it’s for

  • New purchases with tired but structurally sound interiors
  • Properties coming off long-term tenancies that need a refresh
  • Investors who want the asset depreciation schedule to start strong
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Service 07

Investment Strategy

A goal-mapped property plan — sequenced, financed and structured to compound.

Strategy isn’t a suburb. It’s the order in which you buy, finance and structure properties so the portfolio compounds without stalling. We start from the end goal — passive income, debt-free PPOR, retirement number — and reverse-engineer the next 3–7 acquisitions: ownership, deposit source, expected yield and growth, and how each purchase preserves serviceability for the next.

What’s included

  • Goal definition workshop — passive income target, timeframe, risk tolerance
  • Current position audit — equity, serviceability, structures, tax position
  • Portfolio modelling across 5, 10 and 15-year horizons
  • Property profile per acquisition — yield, growth, location, structure
  • Sequencing plan — which property, in which name, financed how
  • Annual strategy review and rebalance

Why it matters

Most investors stop at 1–2 properties not because of the market but because the second purchase wasn’t set up to enable the third. Strategy is what turns three good purchases into a portfolio.

Who it’s for

  • Investors with one property who want to know how to get to five
  • High-income earners with strong borrowing capacity but no plan
  • SMSF members planning a property-led retirement income stream
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Service 08

Auction Bidding & Related Services

Professional representation on auction day — emotion out, strategy in.

Auctions are designed to extract your highest number. A professional bidder, briefed on your walk-away price and tactical limits, removes the emotion and the body language tell that vendors’ agents are trained to read. We handle pre-auction research, reserve estimation, bidding strategy and on-the-day execution — for properties you’ve found yourself or for properties we’ve sourced.

What’s included

  • Pre-auction research — comparable sales, days on market, vendor motivation
  • Reserve and likely-clearance estimation
  • Contract review and special conditions sign-off (with conveyancer)
  • Pre-auction offer strategy where appropriate
  • On-the-day bidding — in person, by phone or by proxy
  • Post-auction negotiation if the property is passed in

Why it matters

The difference between a disciplined bidder and an emotional one is routinely $20k–$80k on a single auction. That’s the difference between a great purchase and an expensive one — decided in 4 minutes of public theatre.

Who it’s for

  • Buyers who’ve found a property themselves but don’t want to bid
  • Interstate buyers who can’t attend in person
  • First-time buyers who’ve never bid at auction before

* Available as a standalone service — you don’t need to engage our full buyers agency to use auction representation.

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