Most property shortlists lead with photos and location. Ours lead with average area growth, weekly top-up required, and long-term ROI. Every property is run through the same framework before it reaches you.
These are not marketing metrics. They're the numbers that determine whether a property builds wealth or just looks good on paper.
The 10-year annualised capital growth rate of the suburb — not the vendor's projection, not developer marketing. Actual CoreLogic data on where median values have moved.
The weekly cash shortfall between rental income and your full mortgage, insurance, and rates costs. This is what you actually need to fund from your income — and it drives whether you can hold the property long enough for growth to matter.
Internal Rate of Return over a 15-year hold — blending capital growth, rental income, debt reduction, and all holding costs. This is the single number that tells you whether the total return justifies the total risk.
These are illustrative examples of the type of properties that make our shortlist. Registered investors receive the full current list with detailed analysis.
Properties shown are illustrative examples of the MMFG vetting framework. Actual shortlisted properties, full analysis, and current availability are provided to registered investors only. Past area growth does not guarantee future performance. All investment involves risk.
We screen suburbs on 10-year median growth, rental yield trends, infrastructure pipeline, and population projections.
Each property is modelled across 15 years — growth assumptions, rent escalation, lending costs, rates, insurance, and maintenance.
Only properties clearing our ROI threshold and top-up limit make the shortlist. Most don't. The ones that do are shared with registered investors.
If you proceed, MMFG structures your lending, reviews your overall portfolio position, and ensures the property fits your financial plan.
We're paid by you as a client, not by property developers. The shortlist reflects what's good for your portfolio — not what earns us a referral.
Every property is modelled before it's recommended. You see the ROI, the top-up, and the area growth before you see the photos.
We structure your mortgage at the same time. Loan type, fixed vs float, deposit structure — all modelled as part of the property decision.
Tell us where you're at and what you're looking for. We'll share the current shortlist, walk through the numbers on any property, and work out whether it fits your situation.
"Jonathan is great. We recently refinanced several mortgages, and changed banks for some of them in the process. Jonathan took care of everything and made the process so easy and worked hard to get us far better deals than we would have got ourselves. I highly recommend Jonathan."
"Jonathan was recommended to me by a friend who was already singing his praises and from the get go he has been amazing, super friendly and easy to talk to, he knows his stuff and will help you understand the complicated side of things. Jonathan helped me secure a loan for my first home and was so hands on and helpful during the entire confusing process."
"I recently worked with Jon on both refinancing my current home and securing financing for an investment property, and I couldn't be happier with the experience. From start to finish, Jon was professional, knowledgeable, offering great advice and promptly answering every question I asked. Highly recommend."