Empower Wealth

"Your Panel of Experts"

Through Real Estate Home Loans’ partnership with Empower Wealth, you now have access to a team of property, finance, and wealth specialists dedicated to helping you plan, invest and live with confidence.

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Now first thing first...

Thank You for considering us!

At Empower Wealth, we believe in teamwork, collaboration and helping our clients make smarter decisions about money, property and investing.

Like Paul and Grant at Real Estate Home Loans, we take a big-picture approach — connecting experts across property, finance, tax and wealth planning to help you move confidently toward your goals.

Property Wealth Planning

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Buyers Agency

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Financial Planning

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Tax and Personal Accounting

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Investing in property is a big financial and personal decision — and getting it right can make all the difference to your future wealth.

At Empower Wealth, our experienced team of Qualified Property Investment Advisors (QPIAs) use a proven planning process to help you make smart, strategic decisions. Whether you’re just starting out or refining your portfolio, we’ll guide you step by step toward creating a reliable passive income and a wealthier tomorrow.

Learn more about our Property Investment Advice here >>

This is the exciting part — where we find, negotiate and purchase investment-grade properties on your behalf.

Our nationally recognised team of Buyers Agents hold full real estate qualifications and decades of combined experience. As Borderless Buyers, we purchase across multiple states, guided by independent data and proven strategies to help you secure high-performing properties that match your goals.

From sourcing and shortlisting to negotiation and auction bidding, our experts do the heavy lifting — helping you buy with confidence, clarity and the backing of Empower Wealth’s award-winning experience.

Learn more about our Buyers Agency Service here >>

Protect what you’ve built and grow it with a clear, personalised plan. Our Financial Planners help you diversify beyond property, make the most of your super, and ensure you’re properly insured — so if something goes wrong, you and your wealth stay on track.

We’ll help you optimise your superannuation, explore investment options such as shares, managed funds and bonds, and decide whether an SMSF is right for you. If it is, we’ll guide you through every step — from setup to strategy — to make sure it delivers the best outcome for your retirement.

All Real Estate Home Loan clients can access a complimentary super and insurance review — a one-hour session to check how your super’s performing and ensure your protection aligns with your goals.

Learn more about our Financial Planning Service here >>

Want to get more back on your tax return? Our specialist Tax Accountants understand both personal and investment property claims, helping you maximise your refund and achieve better long-term outcomes.

We go beyond simple lodgements — offering proactive, property-savvy tax advice that supports your overall wealth goals. With our Maximum Tax Refund Guarantee, we’ll go the extra mile to make sure you receive the best possible outcome.

Learn more about our Tax and Personal Accounting Service here >>

Did You Know...

Each Team is part of a bigger team at Empower Wealth entrusted by our clients to deliver a holistic and integrated advice.

Check Out Our Team >>

Our Process

Clarify

Evaluate

Plan

Implement

Manage

Step 1: Clarify

Today’s preparation determines tomorrows achievement

Collect: undertake a personal financial fact find
Goal Setting: set short, medium and long term personal and financial goals

Step 2: Evaluate

Success is a science; appropriate diagnosis is fundamental

Assess: taking stock of your personal financial position
Analyse: pinpointing the shortcomings and identifying the opportunities

Step 3: Plan

If you fail to plan, you plan to fail

Strategy: design a financial roadmap to assist with life’s big decisions and achieve one’s personal and financial objectives
Tactics: utilise advisory expertise and experience to provide a unique tailored solution

Step 4: Implement

Turning best laid plans into action

Find: source the best options available to suit the plan
Deliver: the skill of securing the objective or acquiring the asset with the most beneficial and favourable terms

Step 5: Manage

What gets managed gets done!

Measure: what’s been achieved and benchmark against the plan
Monitor: the effectiveness of the outcomes and fine tune where necessary

We'd love to help!

Free Property Check-Up

Sit down with our Property Advisory team for a complimentary one-on-one session.

Together, we’ll review where you’re at, explore your borrowing and investment potential, and create a tailored plan to help you invest with confidence — whether you’re just starting out, planning your next move, or building on what you already have. It’s completely free, with no obligation to proceed afterwards.

Because we value education, when you book a session you’ll also receive a range of complimentary resources — including our Start & Build Premium Workshop, Case Study Series, Property Investment Break-even Calculator and more — all designed to help you on your investment journey.

Book Free Appointment

Frequently Asked Questions

What is your Property Portfolio Plan about?

The short answer is: it’s a road map to what you want to achieve when you retire and how you can achieve it by investing in property.

It’s so much more than that and to fully explain this Plan, we strongly recommend you to watch this video here:
What do you think about us making a holiday house our first investment property?

We absolutely don’t. 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 in and have a coffee with us to find out why we are so anti-holiday house purchases as first investments.
How have you done it? How can you afford so many?

A careful combination of capital growth prospect forecasting and cash flow planning with a cautious buffer for provisioning is the only answer. Each property has been considered based on affordability, ongoing management and maintenance cost, gross rental income now (and future) and capital growth prospects. The property we buy now is deliberately intended not to adversely impact the borrowing capacity for the next one… and so on.
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 about this option. It’s true what they say about good debt and bad debt, but it’s vital to get the right information and to make sure your specific situation is taken into account. Talk to one of our investment mortgage specialists about your own situation.
What do you think of "Off the Plan" an as an investment property?
We will consider all assets on their merits, taking into account your motivation for considering them and more importantly the impact on your cash flow and your 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 or developer’s marketers 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 the banks don’t like. Full stop. If it’s hard for you to buy, it could be hard for you to sell and it will be hard for others in the block to be sold. These all have a flow on effect on the growth potential of an asset so we do tread cautiously, always.
- 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 distressed 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.
How do I reduce my taxes?

Tax is a by-product of financial success. Planning and utilising appropriate structures can certainly help minimise taxes over the investment cycle, however it should never be the principal driver behind investment decisions.
Why do I need insurance?

When embarking on a wealth creation journey it is often easier and certainly more exciting to focus on the great things that can happen further down the track and the assets we have acquired to get us there. Personal insurances, on the other hand, are often neglected as it is difficult to consider that we, as an integral part of the wealth creation process, can un-fortuitously suffer from illness and accidents that can very well hamper our plans.

Here are some of our common FAQs!

If you’ve got any additional questions, we’d love to know about it! Send them in here >>

Property Success from Our Team

As part of our process, we back-test each of our purchases with exclusive research data access as well as with our team of professional buyers agents who collectively have decades of industry know-how and experience! Here are some of our recent purchases along with their brief and purchase price.

22/08/2026

Brisbane Purchase – Investment brief with a growth of 6.25% and a yield of 3.75%. Bought for circa $1.05M in July 2026

15/08/2026

Geelong Purchase – Investment brief with a growth of 9% and a yield of 3%. Bought for circa $770,000 in June 2026

09/08/2026

Melbourne Purchase – Investment brief with a growth of 6.25% and a yield of 3.75%. Bought for circa $620,000 in June 2026

08/08/2026

Brisbane Purchase – Investment brief with a growth of 6.50% and a yield of 3.50%. Bought for circa $790,000 in July 2026

08/08/2026

Geelong Purchase – Investment brief with a growth of 6.50% and a yield of 3.50%. Bought for circa $820,000 in May 2026

07/08/2026

Geelong Purchase – Investment brief with a growth of 6.25% and a yield of 3.75%. Bought for circa $620,000 in July 2026

07/08/2026

Brisbane Purchase – Investment brief with a growth of 6% and a yield of 3.50%. Bought for circa $660,000 in July 2026

30/07/2026

Melbourne Purchase – Investment brief with a growth of 7% and a yield of 3%. Bought for circa $1.1M in March 2026

30/07/2026

Melbourne Purchase – Investment brief with a growth of 6.50% and a yield of 3.50%. Bought for circa $810,000 in June 2026

25/07/2026

Geelong Purchase – Investment brief with a growth of 7% and a yield of 3%. Bought for circa $890,000 in June 2026

25/07/2026

Perth Purchase – Investment brief with a growth of 5% and a yield of 5%. Bought for circa $730,000 in June 2026

24/07/2026

Perth Purchase – Investment brief with a growth of 6% and a yield of 4%. Bought for circa $960,000 in June 2026

24/07/2026

Perth Purchase – Investment brief with a growth of 7.50% and a yield of 5%. Bought for circa $720,000 in June 2026

23/07/2026

Melbourne Purchase – Investment brief with a growth of 5% and a yield of 4%. Bought for circa $600,000 in June 2026

23/07/2026

Brisbane Purchase – Investment brief with a growth of 6.50% and a yield of 3.50%. Bought for circa $980,000 in July 2026

21/07/2026

Victoria Purchase – Owner-occupier brief centred on finding the right home. Bought for circa $1.1M in July 2026

16/07/2026

Perth Purchase – Investment brief with a growth of 10.30% and a yield of 4.10%. Bought for circa $760,000 in May 2026

15/07/2026

Brisbane Purchase – Investment brief with a growth of 6.75% and a yield of 3.25%. Bought for circa $900,000 in June 2026

15/07/2026

Melbourne Purchase – Investment brief with a growth of 6.50% and a yield of 3.75%. Bought for circa $870,000 in May 2026

14/07/2026

Melbourne Purchase – Investment brief with a growth of 6.25% and a yield of 3.75%. Bought for circa $790,000 in May 2026

14/07/2026

Perth Purchase – Investment brief with a growth of 7.40% and a yield of 4.25%. Bought for circa $740,000 in May 2026

09/07/2026

Perth Purchase – Investment brief with a growth of 6% and a yield of 4.25%. Bought for circa $900,000 in May 2026

09/07/2026

Perth Purchase – Investment brief with a growth of 5.50% and a yield of 4.50%. Bought for circa $740,000 in June 2026

05/07/2026

Melbourne Purchase – Investment brief with a growth of 5% and a yield of 4%. Bought for circa $620,000 in June 2026

04/07/2026

Geelong Purchase – Investment brief with a growth of 7% and a yield of 3%. Bought for circa $1.1M in April 2026

04/07/2026

Melbourne Purchase – Investment brief with a growth of 5% and a yield of 3%. Bought for circa $910,000 in May 2026

03/07/2026

Geelong Purchase – Investment brief with a growth of 6.50% and a yield of 3.50%. Bought for circa $750,000 in May 2026

03/07/2026

Perth Purchase – Investment brief with a growth of 7% and a yield of 3%. Bought for circa $770,000 in May 2026

02/07/2026

Melbourne Purchase – Investment brief with a growth of 5.50% and a yield of 4.50%. Bought for circa $680,000 in May 2026

02/07/2026

Melbourne Purchase – Investment brief with a growth of 7% and a yield of 3%. Bought for circa $1.42M in April 2026

27/06/2026

Perth Purchase – Investment brief with a growth of 7% and a yield of 4%. Bought for circa $800,000 in February 2026

27/06/2026

Melbourne Purchase – Investment brief with a growth of 6% and a yield of 3%. Bought for circa $1.05M in March 2026

26/06/2026

Melbourne Purchase – Investment brief with a growth of 6.50% and a yield of 3.50%. Bought for circa $880,000 in April 2026

26/06/2026

Geelong Purchase – Investment brief with a growth of 6.50% and a yield of 3.50%. Bought for circa $680,000 in February 2026

25/06/2026

Melbourne Purchase – Investment brief with a growth of 6.50% and a yield of 3.50%. Bought for circa $680,000 in April 2026

25/06/2026

Melbourne Purchase – Owner-occupier brief centred on finding the right home. Bought for circa $1.35M in May 2026

24/06/2026

Geelong Purchase – Investment brief with a growth of 6.50% and a yield of 3.50%. Bought for circa $710,000 in February 2026

24/06/2026

Melbourne Purchase – Investment brief with a growth of 6.50% and a yield of 3.50%. Bought for circa $910,000 in April 2026

23/06/2026

Melbourne Purchase – Investment brief with a growth of 6.50% and a yield of 3.50%. Bought for circa $880,000 in April 2026

23/06/2026

Melbourne Purchase – Investment brief with a growth of 6.50% and a yield of 3.50%. Bought for circa $900,000 in April 2026

21/06/2026

Victoria Purchase – Owner-occupier brief centred on finding the right home. Bought for circa $2M in June 2026

20/06/2026

Melbourne Purchase – Investment brief with a growth of 7.25% and a yield of 2.75%. Bought for circa $1.5M in February 2026

19/06/2026

Geelong Purchase – Investment brief with a growth of 6% and a yield of 4%. Bought for circa $570,000 in May 2026

19/06/2026

Brisbane Purchase – Investment brief with a growth of 6.75% and a yield of 3.25%. Bought for circa $1.07M in March 2026

16/06/2026

Brisbane Purchase – Investment brief with a growth of 6.50% and a yield of 3.50%. Bought for circa $1.05M in May 2026

15/06/2026

Geelong Purchase – Investment brief with a growth of 6.25% and a yield of 3.75%. Bought for circa $780,000 in May 2026

14/06/2026

Melbourne Purchase – Investment brief with a growth of 6% and a yield of 4%. Bought for circa $780,000 in April 2026

14/06/2026

Geelong Purchase – Investment brief with a growth of 6.50% and a yield of 3.50%. Bought for circa $810,000 in April 2026

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Client Testimonials

We have worked with more than 7,173 clients (and this number grows every day!). Here's what they have to say about us...

Jessica was absolutely terrific throughout the entire buying process. From start to finish, she was incredibly supportive, knowledgeable, and always available to answer my questions – no matter how big or small.
There were a few points along the way where I felt a little stuck or unsure when making decisions, and Jessica was always there to talk me through the options, provide guidance, and help me feel confident in moving forward. She made what can be a pretty overwhelming process feel much more straightforward and manageable.
I’m extremely happy with the level of service and support I received from Jessica and would have no hesitation in recommending her to anyone looking for a buyer’s agent. Thanks again, Jessica!

- Blaec A, QLD. August 2026

All staff from start to finish were great. Thanks.

- Cameron W, NSW. August 2026

Polly reviewed and updated our plan for us given all the changes with our circumstances. She’s given us so much more options because before we were just trying so hard to stick to the plan even though we knew it had to change so we can meet our new goals. She’s gone above and beyond for us and I’m not exagerating when I say her and the team have given us renewed hope and a much brighter future to look forward to. Thank you Polly and Empower Wealth!

- Carlo M. August 2026

I love Empower Wealth. The knowledge and experience of the staff has been excellent. From my first meeting with Polly to discuss my Property Portfolio through to working with my mortgage broker Bradley and not my tax accountant Danish, I feel completely comfortable with their advise and attention to detail. So happy I learned about them through the Property Couch Podcast. it has made my financial future s much more secure as I head towards retirement. I actually feel great as I have a plan now for my future

- Louise G. August 2026

Rachel and the Team at Empower were so good in helping us do the number crunching and developing a Property Plan that we felt addressed our objectives.
Throughout the entire process we always felt like we were in a safe pair of hands.
Even with the Federal budget changes that occurred during the development of our Plan – Rachel and the team were always willing to pivot, review again and test different scenarios for us – so refreshing working with an enthusiastic, passionate and smart team of people who are committed to getting the best outcome for their clients.
Thank you Rachel and the team.

- Mervyn and Stephanie, NSW. August 2026

My wife and I came to Empower Wealth with a problem on our hands. We had three investments properties and also wanted to buy a family home, but didn’t know how to actually achieve this. Rachel, our Property Financial Planner, helped us build a roadmap to get us to our dream home. Now that we have the plan in place we are far more relaxed and have something clearer that we’re working towards. Well worth the money and would highly recommend the financial planning service if you want to get clearer on your path towards owning a home.
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- Jack & Sarah. August 2026

Your doing a great job and were are very grateful for all the support and information you have provided us over the last 6 years. The initial plan helped us see our full financial position fixed and liquid assets combined and it finally gave us confidence that we were on the right track to comfortable retirement.
No other advisors had done this so transparently before. We very much appreciate the ongoing webinars and economic analysis sessions which provides great insights into the current environment and options for the future.
We also appreciate the work of PICA and the advocacy and voice it provides for the landlords position in challenging times.
In short we don’t understand why more property investors don’t use your services and the MOOR tool/app. We have certainly passed on your details many times to colleagues and friends. Thank you…

- Christopher H, QLD. August 2026

Empower employees we’re all great to deal with. Polite and understanding of my busy life so they were patient and happy to help.

- Georgina T, VIC. August 2026

Michael is extremely knowledgeable, hard working, patient, inclusive and has his clients best interests at heart. His team are easy to get in touch with and quick to respond.

- Emma, VIC. August 2026