Property strategist: the plan starts with the loan

At Property Brain, a strategy starts from what the client can borrow, not from a suburb someone likes. You'd plan what a client should own, in what order and in whose name, and what each purchase does to the next one. Sometimes the right plan is to wait, and you'd be the one who says so.

Full-time · Remote, anywhere in Australia · Pay: competitive, discussed on application

What a property strategist does here

1

Find out where the client wants to end up. Their income, what they own, what they owe, how much risk they can carry, and what they're actually trying to build.

2

Start from the lending. Work with Darren, who runs the lending on every file, to know what the client can borrow now and what each purchase leaves for the next.

3

Plan the order. What to buy first, in whose name, and when, so one purchase doesn't block the one after it.

4

Model it honestly. Rent, costs, repayments and the room left to borrow, with each estimate called an estimate.

5

Explain the reasoning. Show the client why, including the risks, so the decision is theirs.

6

Review it. Check the plan when the client's life, the market or lending rules change, and change it when they do.

What a normal week looks like

Some of the week is first conversations: a client with one property, or none, and a goal that's bigger than their budget. Some is modelling: what happens to the next purchase if this one is bought in the client's name or their partner's, or if rates are higher than they are today. Some is with Darren, checking that a plan will get through a lender's assessment before anyone falls in love with a property.

And some of it is going back to clients you've already planned for. Lending rules change, and so do people's lives. A plan that was right last year may need a different second step this year.

What makes it hard

The parts a job ad leaves out.

  • Saying "not yet". Some clients come wanting to buy now, and the honest answer is to wait or to buy something smaller. Telling them so, and why, is the most valuable thing this role does.

  • Living with estimates. Growth and rent are guesses. A plan built on a confident ten-year projection will be wrong; a useful one says what's known, what's assumed, and what would make it fail.

  • The lender has the last word. A strategy that a lender's assessment won't support isn't a strategy. You'll rework plans that looked good on paper.

  • Results take years. You won't know for a long time whether a plan worked, and markets can fall as well as rise.

What you need

Property and lending, both. Experience in property investment strategy or advice, and enough lending knowledge to know when a plan won't get past a lender's assessment. Holding both halves in your head matters more than depth in either. A property investment adviser qualification such as QPIA is welcome, not required.

Numbers, and plain words. You can build a cash-flow model and explain it to someone who has never seen one. You're objective, you put the client first, and you'd rather lose a sale than give advice you don't believe.

Pay, and how the role works

Pay is competitive, and we discuss it when you apply. The role is full-time and remote: you can work from anywhere in Australia.

Apply for the property strategist role

Send us a message through the contact page and tell us in a few lines how you'd plan a first and second investment property for someone on one wage. Not a real client: just how you'd think about it. That tells us more than anything else you could send. We'll reply and ask for your CV.

Darren reads every application himself.