Our Property Plans

Property decisions are rarely simple especially when your home, investments, cash flow, tax, borrowing capacity and future lifestyle are all connected.

That’s why Empower Wealth offers personalised property planning services designed to help you make clearer, better-informed decisions.

Whether you’re planning your next major property move or building a long-term investment portfolio, our Property Wealth Planning team can help you understand your options, model the numbers and map out the right strategy for your household.

And since recording this video, we’ve reached a major milestone — producing over 5,200 personalised Property Plans! Each one is tailored to help our clients live a life by design and retire in comfort.

Book a Free Consultation here >>

Clients Testimonials

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How We Model Property Decisions Before You Invest

Because your life won’t follow a straight line, your plan shouldn’t either

Careers change. Families grow. Income rises and falls. Priorities shift.

That’s why your Property Plans isn’t built on a single set of assumptions. In this video, Ben walks through how we model real-life decisions. From parental leave and career breaks to property purchases, lifestyle upgrades and retirement income, and test how those choices affect your long-term position.

By modelling multiple scenarios, we can help you understand the trade-offs, the risks and the opportunities, so you’re not guessing, reacting or relying on hope.

This is how strategy becomes clarity.

If you are interested in learning more about our Property Plans, book a complimentary appointment with us.

How it’s made?

Clarify

Evaluate

Plan

Implement

Manage

In the free initial consultation, we get a deep understanding of your goals, financial position, and future plans. This is made possible via the completion of the Online Fact Find form in our app Moorr.

Once we are clear that we can help improve your financial position, we move on to an initial strategy meeting with you to:

Prioritise goals
Discuss cash flow variations
Explore scenarios
Chat about general property investment

This is when we embark on plan development and analyse what strategy would best fit the goals you have in mind. During this stage, there will be strategy development meetings and presentations if/or as required.

We finalise your strategy and review the overall written plan one final time. This is followed by a plan meeting with your advisor to ensure that you are fully across everything. At this stage, we also ensure that you have set up MoneySMARTS and it’s working well for you.

What is the use of a plan if it isn’t monitored? This is where you track cashflow forecasts, and we’ll organise milestone date reviews as your accountability partner. Of course, as with life changes, the plan will be refined if/or when required.

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“What excites us most about the property planning process is that it’s not just about the next property purchase. It’s about helping people make better property decisions for their household whether that’s upgrading, downsizing, renovating, reviewing an existing property, or building a long-term portfolio. Done properly, a plan brings your lifestyle, numbers and future goals together so you can move forward with clarity.”

Ben Kingsley – Founder of Empower Wealth

What’s included in our Property Plans?

Using Empower Wealth’s purpose built proprietary ‘Wealth Simulator’ software combined with the experience and knowledge of our Qualified Property Investment Advisors and the extended team of Mortgage Brokers, Buyers Agents, Financial Planners, Tax Accountants, this assessment incorporates a detailed list of forecasted variables and assumptions to deliver insights into your:

Cash flow projections for the next 20 years (minimum)
Debt tracking, including debt elimination forecasts
Interest savings calculations & taxation estimates
Review of your current financial position, including assets, liabilities, income and expenses
Baseline “do nothing” analysis to show what may happen if no strategic changes are made
Scenario modelling to compare different property decisions side by side
Timeline and milestone modelling to connect your decisions with future outcomes

Depending on your goals, we offer two planning options:

The Property Pathway Plan: A short- to medium-term strategy designed to help you gain clarity on your next major property move over the next 5 to 10 years.

The Property Portfolio Plan: A long-term strategy designed to help you build a property portfolio for retirement, wealth creation and future passive income.

Both plans are personalised to your situation and designed to help you understand the numbers before you act. Compare the Plans Here >

What do our clients think?

Brendan was engaging and thorough in his analysis and projections. I would highly recommend the service to anyone who wants a clearer understanding of the financials involved with building a property portfolio.

Michael, NSW

I was a skeptic – who is as interested in my own financial situation more than me? BUT I know professionally there is value in talking to people who have experience (I only look at our finances, The Empower team looks at many). So I took my own professional advice and most definitely was rewarded. The experience knowledge and learnings that the team have applied to this model and plan is first class.
The entire customer experience has been fantastic, collaborative, easy, even fun. My husband and I had one main question we wanted answered in the short term and Rachel delivered a measured analytical response in a very timely manner. This gave me a great deal of confidence in the process and the model, which of course has eased my concern over our future. I look forward to all future interactions with the Empower Wealth team and am definitely considering using other services.

Terri

Outstanding property partner — A to Z service are extremely valuable for me (plan, broker, purchase and rent). I will be purchasing a property with Empower Wealth soon and plan to continue working with Empower Wealth to execute my property plan.

Anthony

I had been thinking about coming to Empower Wealth for a plan for two years before I actually took the leap; and for those two years, I was listening to the podcast religiously and used the learnings to help me buy my first property (a unique, old apartment). After making the jump into doing a plan and having my thoughts about selling confirmed, I was eager to take action and sold my place and purchased a house in about 6 weeks. It was very fast! Throughout the process, I felt extremely supported by Ben via the Plan and Brad via the Mortgage Team and his excellent team. I received compliments from my conveyancers that they were completely proactive and on the ball! I am so happy that I have a plan for the future.

Candice, QLD

Polly was wonderful, would highly recommend. My partner and I have investments and we were skeptical of putting our portfolio in someone’s hands. However, from the get-go Polly made us feel comfortable. She is very knowledge and immediately I knew we’d made the right decision. We were looking for someone to help us structure and get to the next step in our journey, that is; aligning lifestyle and life-long wealth. We had a complex situation and Polly was incredibly thorough, we are really pleased with the plan and look forward to having Polly on our team for good. Thanks!

Bodene Holt, VIC

Frequently Asked Questions

What are Empower Wealth’s Property Plans?

Empower Wealth’s Property Plans are personalised strategy and modelling services designed to help you make better-informed property decisions.

Depending on your goals, this may involve planning your next major property move, reviewing your current property position, modelling future scenarios or building a long-term investment portfolio strategy.
What exactly is a QPIA® and why should I care, especially if I’m not looking at an investment property?

A Qualified Property Investment Adviser (QPIA®) has completed six rigorous modules on strategy, lending, tax, risk and ethics, all assessed by the Property Investment Professionals of Australia (PIPA). It’s the closest thing Australia has to a formal licence for property investment advice—so you know you’re working with someone who puts your goals first.

But don’t let the word “investment” throw you.

A QPIA® is trained to look at property decisions through a strategic lens — considering your goals, cash flow, lending position, risk profile and long-term financial outcomes before recommending a pathway.

That matters even if you’re not planning to buy an investment property right now.

For example, if you’re deciding whether to upgrade, renovate, rebuild, downsize, sell, hold or keep your current home as an investment later, those decisions can still have a major impact on your borrowing capacity, cash flow and future options.

A QPIA® can help you step back, model the numbers and understand how today’s property decision may affect tomorrow’s opportunities.
What is the difference between the Property Pathway Plan and the Property Portfolio Plan?

The Property Pathway Plan focuses on your next one or two major property decisions over the next 5 to 10 years.

The Property Portfolio Plan is a longer-term strategy designed around portfolio growth, debt reduction, retirement outcomes and future passive income.

You can compare both Plans here >
Who is the Property Pathway Plan for?
The Property Pathway Plan may suit you if you’re deciding whether to sell, hold, upgrade, renovate, rebuild, downsize, keep your current home as an investment, buy your first home or model one additional property decision.

It’s designed for households who want clarity on their next major property decision, usually over the next 5 to 10 years.

It may suit you if you are:
- A first home buyer wanting to understand your first move and what may come next
- Planning to upgrade to your next home or “forever home”
- Deciding whether to renovate, rebuild or move
- Considering downsizing and wanting to understand what it may unlock
- Thinking about keeping your current home as an investment
- Weighing up whether to sell, hold or optimise an existing property
- Wanting to model one more property move, rather than a full long-term portfolio
- Looking for practical short- to medium-term guidance, not a retirement-focused portfolio strategy
In simple terms: the Property Pathway Plan is for people asking, “What should we do next?”
Who is the Property Portfolio Plan for?
The Property Portfolio Plan may suit you if your goal is to build a long-term property portfolio designed to support wealth creation, debt reduction, retirement outcomes and future passive income.

It is generally suited to households who want a broader investment-led strategy through to retirement.
- An established property investor wanting a clearer long-term strategy
- Planning to build or grow a property portfolio over time
- Looking to understand how many properties you may need to reach your goals
- Wanting to model your position through to retirement
- Focused on creating future passive income from property
- Looking to reduce debt strategically over the long term
- Considering multiple future property acquisitions
- Wanting a more comprehensive, investment-led strategy for your bigger financial picture
In simple terms: the Property Portfolio Plan is for people asking, “How do we build a long-term property portfolio that supports our future?”
What do you think about us making a holiday house our first investment property?

We think it’s the worst idea ever – unless you are on track to make a surplus $200K income per year continuously after your holiday house repayments are subtracted! Come and have a chat with us to find out why we are so anti-holiday house purchase as a first investment.
Should I buy an investment property using a trust/company structure?

Trusts can be useful for very specific, long-term estate planning or business-related purposes — but for residential property, they’re rarely the right fit. Most investors don’t benefit from trust structures once you factor in lending hurdles, tax limitations, higher costs, and ongoing complexity.

We’ve created a detailed article explaining when trusts might make sense and when they’re best avoided:
https://empowerwealth.com.au/blog/trust-structures-property-investment/
How will I be able to afford more than one property?

Through a careful combination of capital growth prospect forecasting and cash flow planning – with a cautious buffer for provisioning. Each property is considered based on affordability, ongoing management and maintenance costs, gross rental income (now and future), and capital growth prospects. The property which we buy now is deliberately intended not to adversely impact your borrowing capacity for the next one, and so on.
How do investors deal with tenant issues?

They interview their property managers like any other employee whom they would entrust with the running of a business. It’s always a shame seeing an investor meticulously select and buy a property, only to hand it over to the first managing agent who comes along.
Shouldn't we pay down our home first before going into more debt?

What you should do first and foremost is talk to an experienced and accredited finance specialist. It’s true what they say about good debt and bad debt, and it’s vital to get the right information that fits your your specific situation. Talk to one of our investment mortgage specialists to find out more.
I would love a new car. Should I do that first and then think about investing?

NO! Talk to us first. Would you choose to upgrade an asset if you knew it would cost hundreds of thousands of dollars of lost opportunity?
What do you think of buying off-the-plan for investment purposes?
We consider all assets on their merits – taking into account your motivation for considering them and more importantly the impact on your cash flow and future wealth. As a general rule of thumb, we are very cautious about off-the-plan investments and our primary reasons for applying caution are as follows:
- Many are sold directly by developers and advice around their performance is sometimes pitched as ‘free’. If anyone is giving you ‘free’ advice, you need to ask yourself if it is independent, unbiased advice, and whether the advisor or their company is getting a commission, kickback, rebate, or other interest from a potential sale.
- Banks are often tough on ‘off-the-plan’ sales. We don’t like assets which banks don’t like. Full stop. If it’s hard for you to buy, it could be hard for you to sell. These all have a flow on effect on the growth potential of an asset so we do tread cautiously.
- A sudden release of a large number of similar or identical units/apartments can compromise the values (both rental and sale values) of the asset. To compound this, if a vendor has to make a distress sale, the lower sale price will have a direct effect on the value of your asset.
- We typically prefer assets with higher ‘land-to-asset ratios’. Come and chat to us about what types of assets fit this preference.
Am I just paying for a report/Excel Sheet?

No, the Plan in Moorr is simply the final output.

What you’re really paying for is the strategy, modelling, analysis and professional advice that goes into creating it.

Our team reviews your goals, income, expenses, assets, debts, borrowing position and future plans, then models different scenarios so you can understand what each pathway could mean for your cash flow, debt, lifestyle and long-term position.

The value is not just in the digital plan you receive through Moorr.

The value is in the clarity it gives you before making a major property decision because the cost of getting that decision wrong can be far greater than the cost of getting proper advice upfront.
Are your services only available in Melbourne and Sydney?

Our Property Investment Advice and the rest of our services are available across Australia! We’ve got offices in Melbourne and Sydney if you would like to meet face-to-face, but appointments are typically conducted online. More than 30% of our clients are based outside capital cities.
Do you receive kickbacks from developers?

No. Empower Wealth and any of its subsidiaries do not accept kickbacks from developers.

Our planning process is designed to put your goals, numbers and long-term interests first. We operate on a transparent fee-for-service model. Zero secret commissions—ever.
What is the relationship between The Property Couch, Empower Wealth and Moorr?

The Property Couch, Moorr and Empower Wealth are connected, but each plays a different role.

The Property Couch is our free education platform and podcast. Moorr is our free in-house money, finance and property platform. Empower Wealth is our advisory business, providing personalised professional services across property, mortgage broking, financial planning and tax.

In simple terms: The Property Couch helps educate you, Moorr helps organise and support your numbers, and Empower Wealth can provide personalised advice to help you move forward with clarity.