“The biggest gap that PRPTY360 can help fill for my clients is the confidence gap between a pre-approval and purchasing a property”

Sean Wroe, Sakura Finance

“PRPTY360 is filling a big gap in the property market because, importantly, it’s telling the customer where to buy based on their profile”

Jehan Abay, Rate Money Cremorne

“Without boots on the ground and the right person interpreting it, data can lead you to a bad decision just as easily as no data at all”

Julian Fadini, PRPTY360

In Partnership with

The broker edge: property intelligence that closes deals

A new breed of property partnership is reshaping how Australians build wealth, combining boots-on-the-ground intelligence with smart finance structuring to deliver results that data alone cannot

Read on

Julian Fadini

PRPTY360

Jehan Abay

Rate Money Cremorne

Minh Beaver

Evolve Money

Shelley McGinty

Preston Point Capital

Industry experts

THERE IS a moment in any property purchase when confidence either holds or collapses. The pre-approval has been granted, the budget is set and then – nothing. The buyer stalls, overwhelmed by suburb comparisons, conflicting online data and the creeping suspicion that every agent is underquoting. For mortgage brokers, this gap between pre-approval and purchase decision is familiar and frustrating. Getting clients finance-ready is one thing. Getting them across the line on the right property is another entirely. That gap is precisely where PRPTY360 has positioned itself, and a growing number of Australian mortgage brokers are finding that pairing their finance expertise with PRPTY360’s property intelligence is producing results that neither could achieve alone. Recently, Australian Broker met with Julian Fadini, founder and director of PRPTY360, at Cafe Sydney alongside a group of top mortgage brokers. Over lunch they explored how real-time property data is reshaping borrowing decisions, why boots-on-the-ground intelligence beats data alone, the unstoppable rise of rentvesting, and what brokers need to do to stay relevant in an increasingly competitive market.

The confidence gap nobody talks about Sean Wroe, founder of Sakura Finance, works primarily with millennial first home buyers, a cohort that is enthusiastic, digitally savvy and often paralysed at the critical moment between approval and purchase. The issue, he says, is not motivation but knowledge. “The biggest gap that PRPTY360 can help fill for my clients is the confidence gap between a pre-approval and purchasing a property,” said Wroe. “We’re quite good at getting our clients a pre-approval, but when the clients get that pre-approval, they don’t have the knowledge or the expertise or the understanding of what to do next.”

When the right property is identified up front, that cycle breaks. Clients are ready to go again in 12 to 18 months, building portfolios rather than retreating from the market. Jehan Abay, branch principal at Rate Money Cremorne, has seen the same pattern from the finance side. For many clients, the property search itself is the most disorienting part of the process, and having a specialist manage that journey changes the experience entirely. “PRPTY360 is filling a big gap in the property market because, importantly, it’s telling the customer where to buy based on their profile,” said Abay. “A lot of other property agents don’t know how to assess their clients’ requirements adequately, but PRPTY360 does that very well.” Data is necessary but not sufficient One of the more counterintuitive positions to emerge from brokers who work with PRPTY360 is a healthy scepticism about data itself. In a market saturated with property reports, suburb statistics and automated valuations, raw data has become almost too available and is too easily misread. Fadini is clear on this point: in a market moving as quickly as Australia’s, published data can lag reality by 60 to 120 days. “A lot of agencies are selling data as the answer these days,” said Fadini. “And look, data has value, no question. But data alone won’t tell you what the street feels like, what the neighbours are doing, what the builder’s quality looks like up close. Without boots on the ground and the right person interpreting it, data can lead you to a bad decision just as easily as no data at all.” That human layer is not incidental to what PRPTY360 does. Fadini describes a market that remains fundamentally people-driven, where the quality of relationships with agents, property managers and developers shapes outcomes in ways no algorithm can replicate.

“At the end of the day, it’s still a marketplace driven by humans,” he said. “The agents are human, the property managers are human, the brokers are human. And knowing those people, knowing your market, knowing the stakeholders on the other side of the deal, that’s what gets you the right result. No algorithm does that for you.” Indeed, surveys show that despite the growing use of AI in broking, only 6% of Australians would choose an AI-powered digital assistant to research mortgage products. Even so, more people are coming to brokers with their own research, but it is often fatally flawed. Minh Beaver, director and senior finance broker at Evolve Money, has seen this play out with clients who arrive armed with their own research and firm convictions based on what the numbers appear to show.

PRPTY360 fills that space by providing suburb-level insights, helping clients understand the true value of what they can realistically afford, and managing expectations around investment property selection. For Wroe, the practical results have been tangible. One client introduced to Fadini at PRPTY360 has since secured two properties, with the first performing strongly. Her siblings followed, producing equally solid outcomes. “Rather than being a transactional broker, I’ve become more of a broker-adviser in terms of generating wealth for my clients,” Wroe said. Albert Saade, senior finance broker at Velox Capital Pyrmont, describes a pattern many brokers will recognise: clients who spend months making offers, getting outbid, growing demoralised and eventually abandoning the idea of buying altogether. “PRPTY360 removes those hurdles,” said Saade. “It saves a lot of fatigue for the client. The amount of times we get people who go for a pre-approval, put in 10 different offers, and the property goes $200,000 above market … it’s a waste of their time. They get demoralised. They just don’t consider buying property any more.”

“With many of the clients I refer to Julian, they walk into the first meeting highly informed. They’ve done the research, analysed the data and formed clear views on strategy and location,” said Beaver. “Julian doesn’t dismiss that; he leans into it. He listens, aligns with their broader advisory team and then delivers tailored options grounded in real-time results, not just theory. That’s the difference.” The distinction Beaver draws is between information and insight. Anyone can pull a suburb report. Knowing what’s actually happening on the ground, which developers are moving, what local agents are seeing before it reaches the listings, and what the data will show in three months’ time is a different skill altogether. Shelley McGinty, managing director at Preston Point Capital, frames it from the client’s perspective. When interest rates shift, buyer confidence can wobble almost overnight. “Real-time property data helps clients feel reassured that they’re buying at the right price in the right area and structuring their loan appropriately,” said McGinty. “Clients feel more informed.” The broader challenge is that the sheer volume of information available to buyers today doesn’t automatically translate into better decisions. “Information and property data is just so accessible,” said McGinty. “More than ever, we need to chime in with rock-solid evidence of the strategy and what the property is going to do.”

Beyond the loan: brokers as strategic advisers The partnership model is also reshaping how brokers think about their own role. In a market where every broker has access to essentially the same lending panel, competing on rate alone is a diminishing strategy. “Rates are no longer enough as a broker,” said Wroe. “Every man and his dog is a mortgage broker, so every broker can have access to all the similar lenders and lending panels, but not every broker can provide property intelligence and strategic guidance. Property insights allow brokers to deliver suburb-level advice, position themselves as long-term advisers, and shift the conversation from ‘what rate can you get me?’ to ‘how do I build a property portfolio?’ ”

McGinty sees the same opportunity. The ability to pair finance structuring with credible property direction lifts the broker’s value proposition considerably. “It positions us as not just someone that sets up the loan,” she said. “We become a strategic adviser as well that supports the client.” Abay points to client retention as a direct commercial benefit. When a broker can refer clients to a trusted property specialist who consistently delivers, those clients return, and they bring others with them.

“The key benefit in having PRPTY360 is that it allows us to pass on our customer to a trusted professional that will get the job done and meet their objective in finding the right property,” Abay said. “It helps us to keep our customers close to us, because they’re using our recommended source.” That loyalty loop has real commercial weight. Fadini is emphatic that in a business of the scale most of these firms operate at, client satisfaction is not a soft metric. “Every transaction throughout a financial year counts, no question,” said Fadini. “But in our ecosystem, the baseline isn’t a satisfied client; the baseline is a raving fan. If someone walks away, and they’re just okay with the experience, that’s a failure in our eyes. We don’t measure success by settlements. We measure it by whether that client is picking up the phone and telling their family, their mates, their colleagues, ‘you need to speak to these guys’.”

Saade adds that the personal touch PRPTY360 brings to what can be an overwhelming process is a significant part of why clients stay engaged rather than dropping out. “Having someone actually sit through the process with you, where we’re just dealing with the numbers and Julian’s dealing with the actual journey, from buying the property [to] going through the process of the lawyers, liaising with the broker, getting it all sorted and doing regular check-ups, it makes it a lot easier for clients to take that step,” said Saade. “It just leaves a good feeling about their experience, and they’ll want to go again and again.” Abay sees the same retention dynamic from the finance side. Clients who have been guided successfully through one transaction arrive at the next one already primed. “We’ve tried and tested the process now,” said Abay. “Our clients are starting to look at coming back again and again to make a profit.”

The rise of the rentvester The partnership is particularly well timed, given one of the more significant shifts in how Australians are approaching property ownership. Rentvesting, once a niche strategy, has moved firmly into the mainstream. Westpac’s 2025 Home Ownership Report found that 54% of first home buyers are considering rentvesting, up four percentage points on the previous year, indicating mainstreaming of the strategy. Likewise, ABS data shows strong growth in investor lending. Fadini has watched the trend accelerate among PRPTY360’s client base. Owner-occupied property in major metro areas has moved beyond the reach of many average earners, but that hasn’t dampened the appetite for property wealth-building.

“Rentvesting is a trend I can’t see slowing down,” said Fadini. “A lot of Australians, especially the younger generation, have worked out that you don’t have to live in the property to benefit from it. They’re not waiting around trying to save their way into a home they can’t afford. They’re getting into the market now, building portfolios and letting their money work for them. The rise of the everyday investor is real, and it’s only going to continue.” Saade puts some numbers around the constraint. At an average full-time salary of around $90,000, even a dual-income couple may find their borrowing capacity capped at just over $1 million for an owner-occupied purchase in Brisbane, Sydney or Melbourne. In those markets, that budget doesn’t go far. “Finding the right properties with that capital uplift, where you can shuffle your portfolio in four or five years, sell up potentially and buy the owner-occupied, it’s all about finding the right properties to give you that capital growth,” said Saade. “A lot of rentinvestors are getting that capital uplift while still living where they want to live.”

First home buyers looking more at rentvesting

PRPTY360 is Australia’s leading property investment advisory, founded by Julian Fadini to provide ethical, client-first guidance after witnessing the toxic culture within major banks. Specialising exclusively in East Coast property acquisition, we help everyday Australians – from first-time investors to professional NRL athletes – build generational wealth through our systematic 3M Methodology. Our research-driven approach analyses opportunities at Macro, Meso and Micro levels, positioning clients in high-growth markets before mainstream recognition. With over 20 years of combined industry experience and proven client results across Queensland, NSW and Victoria, we’ve built our reputation on transparency, exceptional outcomes and genuine care for client success.

Find out more

Julian Fadini is the founder and director of PRPTY360, Australia’s leading property investment advisory. With over 20 years of experience across banking, mortgage broking, financial planning and property investment, Fadini founded PRPTY360 after witnessing the toxic culture within major banks during the period leading up to the banking royal commission. His mission: provide ethical, client-first property advice that genuinely changes lives. Using PRPTY360’s systematic 3M Methodology, Fadini has helped hundreds of Australians – from first-time investors to professional NRL athletes – achieve substantial wealth creation through strategic property acquisition. Featured regularly in major publications, including The Daily Telegraph, The Sydney Morning Herald and Australian Broker, Fadini is recognised as a trusted voice in property investment strategy.

PRPTY360

Julian Fadini

With over 20 years of experience in financial services, Jehan Abay has worked with renowned brands such as American Express, HSBC, Allco Finance Group, Resi Mortgages and RAMS. He transitioned into broking in 2016, quickly becoming a leading loan writer at RAMS before owning his own brokerage firm. In 2022, he joined Rate Money as branch principal in Cremorne. A resident of the Mosman region for 16 years, Abay is deeply involved in his local community. He brings valuable expertise from his investment banking days, particularly in securitisation and non-bank funding. Abay holds an MBA from Western Sydney University and a Diploma in Mortgage Finance and Mortgage Broking Management.

Rate Money Cremorne

Jehan Abay

Minh Beaver is the director and senior finance broker at Evolve Money, specialising in residential mortgages, commercial lending, SMSF lending and asset finance. She has extensive experience across roles such as operations manager, team leader, business manager and director, and is known for her strategic approach, clear communication and efficient processes. Recognised as one of MPA’s Elite Women 2025, Beaver is passionate about helping clients, partners and her community achieve their goals through tailored, holistic finance solutions.

Evolve Money

Minh Beaver

Shelley McGinty is managing director at Preston Point Capital and a recognised SMSF finance specialist, partnering with clients on home and investment lending, SMSF finance, construction and non-residential loans, personal lending and debt consolidation. With extensive experience across roles at National Mortgage Company and Commonwealth Bank, she combines deep credit expertise with a strong client-first ethos. Named among MPA’s Top 50 Elite Women in the mortgage industry in 2025, McGinty is known for her transparent, values-driven approach and commitment to tailored strategies that support long-term wealth creation for clients across Australia.

Preston Point Capital

Published 08 Apr 2026

Albert Saade

Velox Capital Pyrmont

Sean Wroe

Sakura Finance

Sean Wroe is the founder of Sakura Finance and a former Australian Olympian turned strategic mortgage broker. With over nine years’ experience, Wroe specialises in helping first home buyers and investors navigate complex lending structures in a high-rate, high-noise market. Known for his clear thinking and outcome-driven approach, he focuses on long-term strategy over short-term rate chasing. Wroe brings a unique performance mindset from elite sport into finance, helping clients make confident, future-proof property decisions. Based in Byron Bay, he works with clients Australia-wide and is passionate about improving financial literacy and lending transparency.

Sakura Finance

Sean Wroe

Albert Saade is a senior finance broker at Velox Capital, specialising in residential, commercial and asset finance as well as SMSF lending. Known as a strategic finance partner rather than a transactional broker, Saade focuses on understanding each client’s full financial picture and long-term goals. He is recognised for his transparency, responsiveness and relationship-driven approach, acting as a single point of contact across all lending needs. Drawing on experience with Australia’s leading lenders, Saade structures tailored solutions that balance immediate requirements with future aspirations, helping clients navigate complex finance decisions with confidence and clarity.

Velox Capital Pyrmont

Albert Saade

Shelley McGinty

50%

2024

considered rentvesting

54%

2025

considered rentvesting

Source: Westpac Home Ownership Report

“Information and property data is just so accessible. More than ever, we need to chime in with rock-solid evidence of the strategy and what the property is going to do”

Shelley McGinty, Preston Point Capital

“Julian understands the market, has strong technical capability and, most importantly, produces results”

Minh Beaver, Evolve Money

What makes a partnership work Not all broker–buyer’s agent relationships deliver. The brokers working with PRPTY360 are candid about what tends to go wrong in collaborative arrangements and what distinguishes the ones that work. Wroe points to integration as the deciding factor. A referral relationship that sits outside a broker’s core workflow tends to fade. “If you don’t integrate it well from the beginning, the partnership doesn’t blossom,” said Wroe. “With PRPTY360, Julian understood my clientele from the beginning, their budgets, their profile. We have an ideal workflow where he knows exactly at what point he’s going to be introduced to my particular client.” Fadini is equally clear about what causes partnerships to fail. Poor communication and uneven skill levels between parties are the two most common culprits, particularly as both the broking and buyer’s agent sectors have attracted significant numbers of new entrants in recent years. “The best partnerships are built on trust and communication. It’s that simple,” said Fadini. “The partners in this room don’t just refer and forget. They’re across it, they’re communicating, they’re making what goes on behind the scenes feel seamless for the client. And that’s why they transact at a level that is second to none. When everyone’s invested in the outcome, everyone wins.”

Beaver has noticed the same trend among younger clients, many of whom are still living at home and deploying their savings aggressively into investment property from their mid-20s. “Millennials tend to be far more aggressive with their money because, in many cases, they feel they have less to lose,” said Beaver. “Many are living at home longer, which gives them more flexibility to take calculated risks. Rentvesting has become increasingly popular with this group because they’re more strategic and assertive in how they approach building wealth.” Fadini is also watching a related trend at the policy level, one that’s beginning to create fresh opportunities for existing property owners as much as first-time investors. “One of the big trends we’re watching closely, and working with our broker partners on, is the changing council planning laws,” he said. “The pressure for housing supply in Sydney and north of Sydney is enormous, and that’s creating real opportunity. If you’re sitting on a bigger block, whether it’s adding a secondary dwelling or benefiting from a rezoning to multi-residential, there’s serious value to be unlocked. That’s something PRPTY360 is right across, and it’s only going to accelerate.”

Source: ABS Lending Indicators

Investor lending trending up

Total value of investor lending by quarter

Mar 2025

$32bn

Jun 2025

$33bn

$40bn

$43bn

Sep 2025

Dec 2025

Beaver describes a deliberately selective referral approach at Evolve Money. Maintaining platform broker status with major lenders requires volume and consistency, which means every referral partner needs to complement that standard. “I don’t refer clients lightly; I work with a small, trusted circle of referral partners,” said Beaver. “If I’m introducing a client to someone, it’s because I have deep trust in them. They need to share my values, be leaders in their field and consistently deliver. Julian understands the market, has strong technical capability and, most importantly, produces results.” McGinty distils the partnership’s appeal to something straightforward: it gives brokers a way to compound the value of their advice beyond the loan itself. “It’s good to team up and have an ecosystem with the property expert,” said McGinty. “Rather than just giving loan or finance advice, we can give something more relatable to property and the overall decision.” The commercial logic holds at every level. In a market where a genuinely good property doesn’t wait around, and where client fatigue is a real risk, the partnerships that convert quickly and consistently are the ones that generate repeat business, referrals and the kind of loyalty small businesses depend on. For brokers looking to move from transaction processors to trusted wealth builders, the question is less about whether to build these ecosystems and more about how quickly they can get started.

“Having someone actually sit through the process with you, where … Julian’s dealing with the actual journey, from buying the property [to] going through the process of the lawyers, liaising with the broker ... it makes it a lot easier”

Albert Saade, Velox Capital

Change vs previous qtr

YoY change

-0.3% 16.0%

1.4% 6.9%

17.6% 18.7%

7.9% 31.8%

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From left: Albert Saade, Velox Capital Pyrmont; Shelley McGinty, Preston Point Capital; Julian Fadini, PRPTY360; Minh Beaver, Evolve Money; Jehan Abay, Rate Money Cremorne; Sean Wroe, Sakura Finance