Strategic Property Investment Fact Finder

A comprehensive planning tool to clarify your goals, assess your capacity, and identify the right investment strategy for your circumstances

BUY RIGHT ADVOCATES

Why Complete This Fact Finder?

Most property investors focus only on finding a "good deal" - but successful wealth creation requires strategic thinking about:

Economic resilience: How will your investment perform during downturns?
Employment security: Are you investing near stable employment hubs?
Legislative risk: How might tax changes affect your returns?
Long-term strategy: Is this speculation or strategic wealth building?

This fact finder will help you:

Clarify your investment goals and timeline
Identify gaps in your professional advisory team
Understand what questions you SHOULD be asking
Position yourself for long-term success, not short-term speculation

Download your completed fact finder as a PDF to keep for your records and share with advisors.

1. Investment Goals & Timeline

What is your PRIMARY reason for investing in property? Understanding your "why" drives every other decision

Build wealth for retirement

Generate passive income now

Protect/preserve wealth against inflation

Diversify investment portfolio

Capital growth / appreciation

Other (specify below)

What is your investment timeline? How many years until you need to access this capital?

What is your ultimate end goal? Be specific: "Replace $80K salary with rental income" or "Build $2M portfolio by age 60"

2. Risk Tolerance & Economic Resilience

Why This Matters

The property market has seen significant volatility since COVID. Victorian land taxes increased drastically. Some areas peaked then fell. AI and automation are creating employment uncertainty. Strategic investors think about downside protection, not just upside potential.

How would you describe your risk tolerance?

Conservative - Preservation of capital is priority

Moderate - Balanced growth with manageable risk

Growth - Accept higher risk for higher returns

Aggressive - Maximum growth, comfortable with volatility

How secure is your primary income source? Consider: Employment stability, industry resilience, AI/automation risk

Very stable (Government, healthcare, education, essential services)

Stable (Established career, low automation risk)

Variable (Commission-based, contract work, uncertain industry)

High risk (Startup, highly competitive, automation threat)

Have you considered how AI/automation might impact your industry?

Yes - Low impact expected on my role

Yes - Moderate impact, planning adaptation

Yes - High impact, actively planning alternatives

No - Haven't thought about this

If the property market declined 20%, what would you do?

I'd be forced to sell / Very concerned

Hold but be very concerned

Hold comfortably - it's a long-term investment

Buy more - opportunity in downturns

3. Current Situation

Do you currently own investment property?

No - This will be my first

Yes - 1 investment property

Yes - 2-3 investment properties

Yes - 4+ investment properties

Are you currently paying land tax?

No - I don't think so

Yes - in one state

Yes - in multiple states

I'm not sure / I don't know

If you ARE paying land tax, has it increased from previous years?

Not applicable - I don't pay land tax

Yes - significantly (20%+ increase)

Yes - moderately (10-20% increase)

Yes - slightly

No - stayed the same

I don't know / haven't checked

How confident are you in your understanding of land tax?

Very confident - I understand thresholds, calculations, and strategies

Moderately confident - I know the basics

Not confident - I'm aware but unclear on details

No understanding - this is new territory for me

Have you explored land tax optimization strategies for your portfolio?

Yes - I have strategies in place

I've looked into it but haven't implemented anything

No - I didn't know strategies existed

I'm interested but don't know where to start

What type of property are you considering? Select all that apply

House

Townhouse

Apartment/Unit

Vacant land

Commercial property

Development opportunity

Rooming house

SDA/NDIS property

Do you have a specific location in mind? Be as specific as possible - suburb, region, or characteristics

WHY that location? What attracts you to this area? Employment hubs? Infrastructure? Demographics?

Are you considering renovation/development?

No - Buy and hold only

Minor cosmetic renovation

Major renovation

Development (subdivision, build, etc.)

What is currently holding you back from taking action? Be honest - knowledge gaps? Analysis paralysis? Fear? Funding?

3A. Land Tax & Portfolio Review Considerations

If land tax is affecting your cash flow, you may be considering selling properties to reduce your tax burden. These questions help identify which aspects need professional review before making any decisions.

Are you currently considering selling one or more properties to reduce land tax?

Yes - actively considering within next 6 months

Yes - considering within next 1-2 years

Possibly - want to understand my options first

No - not considering selling

Not sure - need advice on whether this makes sense

If you WERE to sell a property to reduce land tax, which aspects do you understand? Select all that apply - be honest about knowledge gaps

CGT implications (capital gains tax on sale)

How depreciation claimed affects CGT cost base

Impact on cash flow after sale

Loan serviceability changes

Centrelink implications (if applicable)

Which property to sell for best financial outcome

State-specific land tax aggregation rules

Timing strategies to minimize tax impact

None of the above - I need guidance on all of this

Have you had your property cost bases calculated (purchase price + improvements - depreciation)? This is critical for accurate CGT calculation

Yes - all properties documented with accountant

Partially - some properties but not all

No - I don't have this information

I don't understand what this means

If you're considering selling to reduce land tax, who are you working with? Select all that apply

Accountant (for CGT calculation)

Financial planner (for overall strategy)

Mortgage broker (for loan restructure)

Buyer's advocate (for sale/purchase coordination)

Tax specialist

Centrelink advisor (if relevant)

Nobody yet - I'm researching on my own

How urgent is your need for land tax reduction?

Critical - land tax is severely impacting cash flow now

High - need to act within 6 months

Moderate - planning for next 1-2 years

Low - just exploring options

Not applicable

5. Professional Advisory Team

Why Your Team Matters

Successful property investment requires multiple professionals working together. Most investors have gaps in their advisory team that create blind spots and costly mistakes.

Which professionals are currently advising you? Select all that apply

Mortgage Broker

Financial Planner

Accountant (specializing in property)

Property Solicitor/Conveyancer

Buyers Advocate

Quantity Surveyor (Depreciation Schedules)

None - researching on my own

Do you understand depreciation schedules and their tax benefits?

Yes - Already using them

Yes - Understand the concept

Vague understanding

No - Need to learn about this

Do you understand land tax aggregation and exemptions?

Yes - Actively managing land tax strategy

Understand the basics

Aware it exists, don't understand details

No - This is new to me

Who else influences your investment decisions? Family? Friends? Online gurus? Forums? Be honest - we all have influences

6. Your Questions & Concerns

What is your BIGGEST question about property investment right now?

What is your BIGGEST concern or fear?

What would you like to know more about? Select all that apply

Land tax strategies and exemptions

Location selection criteria

Property ownership structures (trusts, companies, etc.)

Tax minimization strategies

Financing and debt management

Market timing and economic cycles

Risk management and downside protection

Portfolio growth strategies

7. Investment Philosophy

Which statement best describes your approach?

Find a bargain, add value quickly, sell for profit (Active speculation)

High growth areas, accept higher risk, capital gains focused

Rental yield focus, positive cashflow priority

Balanced - Both growth AND income important

Strategic long-term wealth building - Focus on fundamentals and resilience

How important is employment hub proximity (universities, hospitals)? These create stable tenant demand and economic resilience

Critical - Must be near major employment centers

Important - Strong preference

Nice to have but not essential

Not important - Other factors matter more

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