Built for Australian buyer's agencies

Turn complex property strategies into client-ready reports — in minutes.

Model buying, selling, renovating, refinancing and future purchases, then show clients the estimated portfolio impact through a clear Strategy Snapshot.

Agency plans from $89/monthCancel anytimeNo lock-in

1Compare portfolio paths
Portfolio Foundations · Strategy Builder
Scenario B
Client: M. & S. Harper3 properties

Current portfolio

12 Banksia St, QLD$742k
LVR 63%
4/88 Corella Rd, VIC$618k
LVR 71%
27 Marri Cres, WA$530k
LVR 54%

Strategy moves

+ Add move
Extend IO — IP2FY27
Renovation uplift — IP1FY28
Buy investment — IP4FY29

Modelled equity — 10 yr

Current pathStrategy path

Modelled planning estimate based on assumptions entered.

2Generate the client report

Strategy Snapshot

Portfolio Strategy Review — M. & S. Harper

Prepared by Harbourline Buyer’s Advocacy · June 2026

1 · Current portfolio summary

Portfolio value

$1.89mest.

Total debt

$1.19m

Equity

$693kest.

LVR

63.3%est.

2 · Strategy moves modelled

Extend IO — IP2FY27
Renovation uplift — IP1FY28
Buy investment — IP4FY29

3 · Current path vs strategy path

Current path — equity, 10 yr$946k est.
Strategy path — equity, 10 yr$1.28m est.

Based on assumptions entered. Not a prediction.

4 · Estimated impact — modelled

MetricCurrent pathStrategy pathChange
Equity · 10 yr$946k$1.28m+$334k
Debt · 10 yr$1.21m$1.62m+$412k
LVR · 10 yr61%58%−3 pts
Modelled cash flow / wk−$214−$146+$68
Buying power impact+$180kassumption*

*Buying power impact is a planning assumption only — confirm with broker or lender.

5 · Planning notes & questions to confirm

  • Extend IO terms and serviceability — confirm with broker or lender
  • Possible CGT treatment if IP2 is sold later — confirm with accountant
  • Buying power figures are planning assumptions, not lending approval

Modelled planning estimates based on assumptions entered. Not financial, tax, legal, credit or lending advice. Confirm relevant matters with your accountant, broker, lender or licensed adviser.

The real problem

Your clients don’t just need another property. They need to understand the strategy.

Complex portfolio trade-offs are hard to explain clearly in a spreadsheet-led call.

The strategy call today

  • Explaining interconnected decisions through spreadsheets on a live call
  • Clients leaving without a clear summary of the trade-offs discussed
  • Manually rebuilding the same analysis before every review
  • Turning notes and screenshots into a professional takeaway

Spreadsheets, screenshots and rough notes make the strategy harder to understand than it needs to be.

What clients keep asking

  • How does this move affect the whole portfolio?
  • What are the trade-offs between these options?
  • What should I confirm before acting?

Most buyer’s agents already do the strategic thinking. Portfolio Foundations helps turn that thinking into a clear client-ready report.

How it works

Model the move. Compare the impact. Export the report.

One repeatable workflow — from portfolio data to a client-ready Strategy Snapshot.

1

Add the client portfolio

Enter property, loan, rent, expense and assumption data.

12 Banksia St, QLD$742k
Loan balance$468k
Rent$580 /wk
Expenses$9.4k /yr
2

Set their goal

The income they want, by when, and what they'll carry to get there.

Target income$90k /yr
By age60
Out of pocket$800 /mo
Goal reachedYr 8 est.
3

Choose a strategy move

Model buy, sell, renovate, refinance, PPOR or interest-only scenarios.

Sell propertyBuy PPORExtend IORenovation upliftBuy investmentRefinance
4

Compare the impact

Show estimated changes to equity, debt, LVR, cash flow and buying power.

Current path$946k est.
Strategy path$1.28m est.
Modelled cash flow+$68 /wk est.
5

Create the report

Generate a Strategy Snapshot for the client discussion.

Strategy SnapshotPDF
Confirm with brokerConfirm with accountant

Strategy modelling

Model the strategy conversations your clients are already having.

Buy another investment

Estimate how a new purchase may affect the client’s portfolio over time, including debt, cash flow, LVR and equity.

Sell an existing property

Model the estimated impact of a sale — reducing debt, freeing equity or changing future buying power assumptions.

Renovate

Show how renovation costs, value uplift and rent changes may affect the portfolio on the assumptions entered.

Extend interest-only

Estimate the cash-flow effect of an extension — and flag what the client should confirm with their broker or lender.

Buy a PPOR

Model how a PPOR purchase may affect cash flow, debt position and future investment capacity assumptions.

Refinance or compare scenarios

Model a refinance, then save multiple strategy paths and compare them side by side before presenting the report.

Flag tax considerations carefully

Include assumption-based planning notes and direct clients to confirm possible tax treatment with their accountant or licensed adviser.

The conversations these come up in

New client strategy sessionsAnnual portfolio reviewsComparing major portfolio decisionsPreparing a client-ready report

The Strategy Snapshot

Give every client a clear record of the strategy discussed.

Turn the strategy conversation into a professional report showing:

  • Where the portfolio stands today
  • The strategy moves considered
  • Current path versus strategy path
  • Progress toward the client’s income goal
  • Estimated debt, equity, LVR and cash-flow impact
  • Assumptions, risks and matters requiring professional confirmation

The goal is not to tell the client what to do. The goal is to make the trade-offs easier to understand.

Strategy Snapshot

Sell IP2 vs hold — modelled comparison

Prepared by Harbourline Buyer’s Advocacy · June 2026

Strategy moves being modelled

Sell IP2 (FY27)Reduce debt −$418kBuy IP4 (FY28)

Estimated position after sale (modelled)

Debt

−$418k

Equity freed

$214k est.

LVR

63% → 55%

Current path vs strategy path (modelled, 10 yr)

Hold IP2 — equity$1.09m est.
Sell IP2, buy IP4 — equity$1.17m est.

Questions to confirm

  • Selling costs and possible CGT treatment — confirm with accountant
  • New loan structure and serviceability — confirm with broker or lender

Modelled planning estimates based on assumptions entered. Not financial, tax, legal, credit or lending advice.

Simple pricing

Simple pricing for agencies

Two plans, everything included. The only difference is how many active clients you can hold at once.

Built for Australian property planning
Transparent, adjustable assumptions
Clear reports for client conversations

Agency Starter

$89/month

Up to 5 active clients.

For solo buyer’s agents.

Start your 14-day free trial
For growing agencies

Agency Professional

$199/month

Up to 30 active clients.

For agencies running strategy calls at volume.

Start your 14-day free trial

Every plan includes

Full Strategy Builder
A dedicated workspace for every client
A goal and timeline per client, not one shared setting
Saved scenarios
Side-by-side scenario comparison
Client-ready Strategy Snapshot reports
Model buy, sell, renovate, refinance, PPOR and interest-only

An active client is a client currently in your working client list. Archived clients do not count toward your limit, and neither does the built-in sample client — archive a finished engagement and the place is free for the next one.

FAQ

Common questions

Portfolio Foundations provides modelled planning estimates, not financial, tax, legal, credit or lending advice. Confirm relevant matters with the client's professional team.

No. Portfolio Foundations is software for modelling planning scenarios based on assumptions entered. It does not provide financial, tax, legal, credit or lending advice.

Ready to make strategy calls clearer?

Get started with Portfolio Foundations and give your clients a clearer strategy reporting workflow — built for Australian buyer's agencies.

Agency plans from $89/mo. Cancel anytime, no lock-in.