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MORTGAGE CHOICE PROPERTY PANEL
BROKER SESSION · 20 MINUTES · ONLINE
Presented by Providence Property Group
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FOR MORTGAGE CHOICE BROKERS · 20 MIN · NO Q&A
Your client gets $8,137.20 at settlement. You still get your $12,000 referral fee.
| Same builder. Same price. Same $40,000 commission. The difference is what happens to the balance after your 30%. |
| $8,137.20 into your client's offset after settlement, paid from our fee. Not the contract, not the loan. |
| First-year holding cost drops from $225 a week to $68 on a real $858,140 Melbourne package. |
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Simon Harris
MANAGING DIRECTOR
Providence Property Group
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TUE 6 OCT · 11:00AM AEDT |
THU 8 OCT · 12:30PM AEDT |
FOUR MORE, 14 TO 21 OCT |
Book on this page, below. Six sessions, same content. Your join link arrives by SMS and email the day before.
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WHERE THE MONEY GOES
One real Melbourne house and land package at $858,140.
The developer pays $40,000 plus GST. Four hands touch it. Every dollar accounted for.
| Developer pays | $40,000 + GST |
| GST to the tax office | $4,000 |
| Mortgage Choice, your 30% | $12,000 |
| Providence buyers agency fee, $2,700 plus 2% | $19,862.80 |
| Paid to your client after settlement | $8,137.20 |
After GST and your $12,000, other property groups keep the remaining $28,000. We don't. We take our published buyers agency fee and the balance goes to your client. Your 30% is calculated on the gross and paid at unconditional exchange and at slab.
On top of the $8,137.20, and at the same price, we secure the developer's own incentives for the buyer, not the sales channel, across the developers we place with: legal fees paid, depreciation schedule paid and the first four weeks' rent covered. That is what happens when the buyer's agent sits on the buyer's side of the table.
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TWENTY MINUTES. THREE THINGS.
What we'll show you, on that property.
Every dollar reconciled. Then you're back to work.
| 1 | Where all $40,000 goes. Including your $12,000, and the key dates it's paid. |
| 2 | Why we say no to most new-build stock, and what we say yes to: land content of 50% or more, middle ring not fringe, no high-rise, five tests a builder has to pass. |
| 3 | Ten-year numbers on that property. Who pays the holding cost, and how little of it is your client's. |
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WHO REALLY PAYS
Of every $100 this property costs to hold, your client pays $12.
One hundred squares. Ten-year average, after the rebate.
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| 65 YOUR CLIENT'S TENANT Rent, over ten years |
| 22 THE TAX OFFICE Back to the client in tax credits |
| 1 THE PROVIDENCE REBATE $8,137.20 after settlement |
| 12 YOUR CLIENT About $23 a day, falling every year |
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Only 12 are your client's. The other 88 are not, and your client keeps 100% of the growth.
Providence financial model, 20 August 2026: house and land $858,140; interest-only loan $887,147 at 6.30%; rent $700 a week; household income $160,000 + $100,000; growth 6.81% a year, the suburb's thirty-year house rate, an assumption, not a forecast. Ten-year holding cost $664,398; client share $82,702 after the $8,137.20 rebate. Squares rounded. Capital growth is not guaranteed.
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SIX SESSIONS, SAME CONTENT
Pick the one that suits.
All times AEDT (Sydney/Melbourne).
| Tuesday 6 October | 11:00am – 11:20am AEDT |
| Thursday 8 October | 12:30pm – 12:50pm AEDT |
| Wednesday 14 October | 7:30am – 7:50am AEDT |
| Thursday 15 October | 11:00am – 11:20am AEDT |
| Tuesday 20 October | 12:30pm – 12:50pm AEDT |
| Wednesday 21 October | 11:00am – 11:20am AEDT |
Book your session below. Pick a date, then a time.
Can't make any of them? Book anyway and you'll get a 72-hour replay link after the final session on 21 October.
Already have a client in mind? Email simon.harris@providenceproperty.com.au with their price range and incomes and Simon will model the ten years on their numbers before the session. You see it first. You stay on the loan. |
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General information only, not financial, legal or taxation advice. Figures relate to one Melbourne house and land package at $858,140; suburb and builder are disclosed to the client in the full report. Commission, fees, rebate and developer incentives vary by project and price and are confirmed in writing before any commitment. Providence Property Group is a buyers agency on the Mortgage Choice Property Panel. © 2026 Providence Property Group Pty Ltd.
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