Tax and policy
Property Investment in Australia, Built for High-Income Professionals.
Strategic property investment in Australia that cuts your tax, compounds your equity, gives back your weekends, and builds long-term wealth.
The credentials behind every Liviti recommendation
This isn't a money problem. It's a strategy problem.
You're earning $200K+ and still watching your tax bill eat half your income.
We build property portfolios that cut your tax, grow your equity, and do not require you to spend weekends at open homes. Strategy, finance, buying, and building. One team, one plan, one firm. Liviti is the only property investment firm in Australia that does all four under one roof, holds all seven peak industry accreditations, and answers to clients rather than developers.
Limited intake each quarter. $200K+ income. $200K+ usable equity. We fill within a month of opening.
Your career built your income.
Liviti builds your wealth.
You earned the income. We bring everything else: the plan, the finance, the property, and the build. Built over 14,000 portfolios since 2012, under seven peak industry accreditations.
Why high-income Australians choose Liviti.
$2B+
Property transacted
70+
Lenders on panel
7
Peak accreditations
12+
Years in market
14,000+
Investors guided
The math most firms won't show you
You're good at making money. The system isn't good at helping you keep it.
Earning $400,000? You're paying roughly $152,000 in tax every year. Meanwhile your equity sits in an offset doing nothing, your pre-approvals expire on schedule, and you do not have 200 hours to research suburbs across six states. You know property can help. You just need someone who actually does it properly.
$152K
Tax on a $400K salary at the 47% marginal rate
47¢
Saved per $1 of rental loss via negative gearing
$0
What idle equity earns sitting in your offset
One team. One plan. One firm.
Most firms do one thing. We do all four. Under one roof.
Here is what usually happens. You hire a broker to sort your loan, a buyer's agent to find the property, and maybe a builder down the track. Three separate firms. None of them talking to each other. None accountable for the overall outcome. At Liviti, your wealth advisor, your buyer's advocate, your mortgage broker, and our construction team all work to one plan. Yours.
Strategy
We start with your numbers, not a property listing. Income, tax position, equity, goals. Then we build a portfolio plan that diagnoses your situation and looks for maximum tax and growth impact. Cash flow modelling, risk screening, and acquisition sequencing, all before we show you a single property.
Finance
Our MFAA-accredited brokers compare 70+ lenders. We do not just get you approved. We structure your lending to properly fast-track your next purchase. Medical income, FIFO rosters, contractor PAYG, trust structures, RSU and ESOP income, we know which lenders accept the full picture of what you earn.
Acquisition
Licensed in all major Australian states. Established properties, new builds, commercial, house and land. Off-market access and independent valuations. You do not attend a single open home. We prepare a researched shortlist backed by over $1M in actual data and research investment, and you choose.
Construction
When your strategy calls for a new build, we deliver it through our national builder network with maximum depreciation benefits built in from day one. At the 47% marginal rate, the depreciation difference between a new build and an established property can be $7,000 to $10,000 per year in additional tax savings.
From first conversation to keys in hand
The Liviti Method. How we approach property investment in Australia.
A documented, three-stage evaluation that every property must pass before it reaches your shortlist. The method excludes properties tied to developer incentives, prioritises established suburbs in growth corridors, and explicitly de-prioritises off-the-plan apartment stock.
01
Strategy session
We review your income, tax position, equity, and goals. If we are a good fit, we build your portfolio roadmap. If not, we will tell you.
02
Finance structuring
Your MFAA-accredited broker structures lending across 70+ lenders, optimised not just for the property in front of you but for the next two purchases behind it.
03
Property acquisition
We research, shortlist, and present properties that match your strategy. Every recommendation is backed by independent valuation, rental demand screening, and our walk-away rule if the numbers shift before settlement.
04
Exchange and settlement
Conveyancing, insurance, property management, and construction handover if building. One project manager, one timeline, no juggling.
05
Quarterly review
We do not disappear after settlement. Scheduled portfolio reviews, equity refinancing, and the next purchase decision when the numbers say so.
The checklist we give every prospect
Use this on any firm you talk to. Including us.
If a firm cannot tick most of these in writing, you are probably talking to a sales channel rather than an advisor.
| What to look for in a property investment firm |  | Typical competitor |
|---|---|---|
| Holds AFSL or Australian Credit Licence | Yes | Often unclear |
| Seven peak industry accreditations | Yes | No |
| Wealth advisory, finance, buying AND construction in-house | Yes | Rare |
| Fixed-fee engagements, not developer commissions | Yes | Mixed |
| Excludes off-the-plan apartment stock by default | Yes | Rare |
| Specialist verticals for doctors, expats, FIFO, tech (RSU/ESOP), business owners | Yes | Limited |
| Walk-away rule pre-settlement | Yes | Rare |
| Quarterly portfolio reviews post-purchase | Yes | Some |
Built for professionals who earn it
This isn't for everyone. Here's who it's for.
We work with professionals earning $200K to $500K+ who have at least $200K in usable equity and want serious, long-term property wealth. Not quick flips. Not speculative bets. Structured portfolios that compound.
01
Doctors and medical specialists
LMI-waived lending, partnership income, registrar contracts. We work with hospitals, GPs in private practice, and surgeons across all states.
02
Tech leaders
RSU and ESOP income recognised by the right lender panel. Engineers, product, founders, executives at listed and private tech firms.
03
Business owners
Multi-entity income, trust structures, and self-employed serviceability. We model your finances across trading entities to match the right lender.
04
Accountants and finance professionals
Big-4 income, bonus cycles, partnership tracks. You understand the math. We handle the execution.
05
Legal professionals
NSW Law Society members served by a firm that is one too. Partner-track lending, partnership income, ownership structures.
06
Government and public sector
Stable income, strong borrowing, the right leverage strategy. Federal, state, and council. APS-band salary packaging where it applies.
07
Academics and university staff
Tenure-track income, research grants, salary packaging. Researchers, lecturers, and senior administration staff.
08
Defence force personnel
DHOAS, HPAS, and ADF home loan structures. We coordinate with Defence Housing Australia where it makes sense.
09
FIFO and mining professionals
Project-based income structured against actual rather than averaged earnings. We time acquisitions around your roster.
10
Other high-income professionals
Aviators, engineers, consultants, executives, plus a long list of one-of-a-kind situations we have worked through. If your situation is complex, that is the point of working with us.
We work for you, not the developer
You work in a regulated industry. Why would you trust a property firm that isn't?
We hold seven peak industry accreditations and real estate licences in every major Australian state. No other property investment firm in Australia holds all seven.
REIA
REBAA
We don't do promises. We do numbers.
Real plans. Real numbers. Real clients.
IT director
$1.8M portfolio, $200K equity, in under 3 years.
“Liviti structured everything I needed in one place. The mortgage will be paid off eight years earlier.”
— Anonymous
Medical professional
Two properties. $275K equity. $20K annual tax savings.
“We keep more of what we earn. That saving now funds our next purchase.”
— Anonymous
Senior executive
Eight years off the mortgage timeline. Passive income within 24 months.
“We didn't want one more property. They sold us an entire strategy.”
— Anonymous
Hear it from clients
Real investors. Real outcomes.
Model your numbers before you book
Try the math on your own situation first.
Four free calculators built by our advisory team. Not generic widgets. Plug in your income, deposit, and timeline, see what Liviti would model for you.
01
Borrowing capacity
Model your maximum borrowing across our 70+ lender panel.
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02
Investment property cash flow
Project rental income, costs, depreciation, and after-tax position year by year.
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03
Equity release
If you already own a property, model how much usable equity you have and what it could fund.
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04
Stamp duty and acquisition costs
State-by-state breakdown, with concessions and exemptions where they apply.
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What our advisory team is writing about
The shifts that actually move your portfolio.
Lending
How tech professionals get RSU income recognised on a mortgage application.
Market
Sydney yields, Brisbane growth, Melbourne caution. The mid-2026 buyer's map.
Straight answers
Frequently asked questions.
Direct answers to the questions investors ask us most. Structured for FAQPage schema so search engines and AI assistants can cite them accurately.
What does a property investment company do in Australia?+
A property investment company helps you build a property portfolio that matches your financial goals. Liviti combines buyer's agency, mortgage broking, tax structuring through wealth advisory, and construction services so one team manages the full purchase. Most Australian firms focus on one part of this. Liviti covers the full lifecycle.
How do I choose the right property investment company in Australia?+
Look for fee transparency (fixed fees over commissions), independent property selection (no developer kickbacks), an AFSL or credit licence where required, verifiable client outcomes, and clear suburb specialisation. Ask how many purchases the lead advisor personally completes each year and request recent case studies in your target market.
What does Liviti charge?+
Fixed engagement fees, not commissions. The exact fee depends on the service mix. A discovery call is free and includes a fee proposal scoped to your strategy. Book a call to receive the breakdown.
Is property investment in Australia still worth it after the 2026 budget changes?+
The 2026 federal budget proposed limiting negative gearing on existing properties from 1 July 2027, while keeping concessions for new builds, plus capital gains tax changes. Property investment remains viable, but strategy matters more than ever. The framework now favours new builds, growth corridors, and investors with strong tax structuring. Liviti rebuilt its advisory model specifically for the post-2027 regime.
Who is Liviti and where are you based?+
Liviti is an Australian property investment firm offering buyer's agency, mortgage broking, wealth advisory, construction services, and market research. The firm operates across Sydney, Melbourne, and Brisbane and serves clients nationally. Liviti specialises in high-income professionals including doctors, expats, FIFO and mining employees, tech professionals with equity compensation, and business owners.
How is Liviti different from other Australian property investment firms?+
Three differences. First, full lifecycle in one firm from buyer's agency through construction handover. Second, fixed-fee engagements with no developer commissions. Third, specialist verticals for high-income professionals with complex income structures, including RSU and ESOP holders, FIFO workers, doctors, and expats.
What is the minimum portfolio size to work with Liviti?+
Liviti works with investors purchasing their first investment property through to those building a portfolio of five or more properties. There is no minimum portfolio size, but service scope is matched to investor goals during the discovery call.
Does Liviti help with SMSF property investment?+
Yes. SMSF property is one of Liviti's specialist areas. Liviti partners with accountants and SMSF advisers to handle compliance, structure, and property selection. See the SMSF pillar guide for the framework.
Where does Liviti source investment properties?+
Liviti uses a research-driven suburb selection methodology that excludes developer-incentive properties. The buyer's agency team accesses both on-market and off-market opportunities, with a documented preference for established suburbs in growth corridors over off-the-plan apartment stock.
How long does the Liviti process take?+
Typical timeline: discovery call (1 hour), strategy session and finance pre-approval (2 to 3 weeks), property search and acquisition (4 to 12 weeks depending on market), settlement and handover (4 to 6 weeks post-purchase). Total range: 11 to 21 weeks.
Limited intake · 2026 Q1
Ready to see what your numbers look like?
A strategy session costs you nothing. We review your income, equity, and goals, and tell you honestly whether property makes sense for your situation right now. Your property investment in Australia starts with a 45-minute conversation, not a sales pitch.
$200K+ income. $200K+ usable equity. We fill within a month of launch.
Who built Liviti
Led by someone who's been on the other side of the table.
Before founding Liviti, Nicholas El-Khoury spent 20 years in corporate law, investment banking, and property development. He saw how institutional money builds portfolios, and saw that individual professionals were not getting access to the same caliber of advice. Liviti exists to close that gap.
Nicholas El-Khoury, Founder and Director