Client-ready property strategy reports in minutes, not messy spreadsheets.
Portfolio Foundations helps buyer’s agents model buy, sell, renovate, refinance, PPOR and interest-only scenarios — then turn the estimated impact into a Strategy Snapshot report clients can understand.
Now inviting 5 Australian buyer's agencies. No call required.
Current portfolio
Strategy moves
+ Add moveModelled equity — 10 yr
Modelled planning estimate based on assumptions entered.
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
3 · Current path vs strategy path
Based on assumptions entered. Not a prediction.
4 · Estimated impact — modelled
*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.
Every strategy call turns into the same set of questions — and the same scramble to explain them clearly.
The strategy call today
- Explaining a complex strategy clearly — live on the call
- Screen-sharing messy spreadsheets clients have never seen before
- Clients nodding along without really following the trade-offs
- Manually rebuilding the same analysis before every review
- No clear, professional takeaway to send after the call
Spreadsheets, screenshots and rough notes make the strategy harder to understand than it needs to be.
What clients keep asking
- ?“Should I buy again or wait?”
- ?“Should I sell one property to buy another?”
- ?“What happens if I renovate?”
- ?“What happens if I extend interest-only?”
- ?“Should I buy a PPOR before another investment?”
- ?“How does this affect debt, equity, cash flow and buying power?”
- ?“What should I confirm with my broker or accountant?”
Most buyer’s agents already do the strategic thinking. Portfolio Foundations helps turn that thinking into a clear client-ready report.
A different layer
Not another property tracker. Not a CRM. Not another suburb report.
Portfolio Foundations is the strategy modelling and client reporting layer for buyer’s agencies. It helps agencies compare portfolio strategy paths and explain the modelled impact to clients.
Property trackers
Show what the client owns.
CRMs
Manage leads and workflow.
Suburb reports
Show market data.
Portfolio Foundations
Explains the strategy path — and the modelled trade-offs behind it.
How it works
Model the move. Compare the impact. Export the report.
One repeatable workflow — from portfolio data to a client-ready Strategy Snapshot.
Add the client portfolio
Enter property, loan, rent, expense and assumption data.
Choose a strategy move
Model buy, sell, renovate, refinance, PPOR or interest-only scenarios.
Compare the impact
Show estimated changes to equity, debt, LVR, cash flow and buying power.
Create the report
Generate a Strategy Snapshot for the client discussion.
Use cases
Built for strategy-led buyer’s agencies
Instead of rebuilding the same spreadsheet each time, Portfolio Foundations gives your agency a repeatable strategy reporting workflow.
New client strategy sessions
Annual portfolio reviews
Sell vs hold discussions
Buy again vs wait conversations
PPOR vs investment trade-off discussions
Interest-only extension reviews
Renovation scenario modelling
Refinancing impact discussions
Tax reform readiness conversations
Client-ready strategy reports
Strategy modelling
Model the strategy moves clients actually ask about
Buy another investment property
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 selling a property — reducing debt, freeing equity or changing future buying power assumptions.
Renovate
Show how renovation costs, value uplift and rent changes may affect the portfolio, based on the assumptions entered.
Extend interest-only
Estimate the cash-flow effect of interest-only extension assumptions — and highlight 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.
Compare scenarios
Save multiple strategy paths and compare them side-by-side before presenting the report to the client.
The Strategy Snapshot
Give clients a clearer takeaway after the strategy call.
A Strategy Snapshot turns the conversation into a client-ready report showing the assumptions, modelled strategy path and key planning notes. No rebuilding spreadsheets. No screenshots.
- Current portfolio summary
- Property-level position
- Strategy moves being modelled
- Current path vs strategy path
- Estimated debt, equity, LVR and cash-flow impact
- Buying power impact assumptions
- Key risks and planning notes
- Questions to confirm with broker, lender or accountant
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
Estimated position after sale (modelled)
Debt
−$418k
Equity freed
$214k est.
LVR
63% → 55%
Current path vs strategy path (modelled, 10 yr)
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.
Tax reform readiness
Discuss tax reform considerations with careful, assumption-based language.
Portfolio Foundations can help agencies flag possible negative gearing and CGT planning considerations — without pretending to give tax advice.
Reports use assumption-based language and direct clients to confirm relevant matters with their accountant or licensed adviser.
Tax reform considerations — modelled
Planning flagExample report wording: “Possible negative gearing treatment shown is a modelled planning estimate. Likely treatment may vary — confirm with your accountant.”
Join the 5-Agency Beta
We're opening Portfolio Foundations to 5 Australian buyer's agencies for private beta access. Test the Strategy Builder, saved scenarios and Strategy Snapshot reports with sample or client-style portfolios. In return, we'll ask for honest feedback on what works, what's unclear and what would make the product useful in real client strategy conversations.
Private beta access includes
5-Agency BetaFit check
Who Portfolio Foundations is built for
Best fit
- Investor-focused buyer’s agencies
- Buyer’s agents running strategy calls
- Agencies preparing client portfolio reviews
- Agencies using spreadsheets to explain scenarios
- Agencies that want more professional client reports
- Agencies discussing buying, selling, refinancing, renovating, PPOR purchases or interest-only extensions
Not designed to replace
- Accountants
- Mortgage brokers
- Financial advisers
- Lawyers
- Licensed credit advice
- Tax advice
Portfolio Foundations works alongside the client’s professional team — it helps frame the questions worth taking to them.
Built for planning conversations, not advice.
Portfolio Foundations produces modelled planning estimates based on assumptions entered. It does not provide financial, tax, legal, credit or lending advice. Reports are designed to support clearer client conversations and should be reviewed with the client’s accountant, broker, lender or licensed adviser where relevant.
FAQ
Common questions
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?
Request Private Beta Access to Portfolio Foundations and help shape a clearer strategy reporting workflow for Australian buyer's agencies.
Now inviting 5 Australian buyer's agencies. No call required.