Your Investment Strategy Questions. Answered
Who are you and why should I listen?
We are JDL Strategies, a trusted Australian company with over 30 years of experience helping everyday professionals build long-term wealth through smart property investment. Led by Julio De Laffitte, one of the country’s most respected financial strategists, we have helped more than 2,000 clients successfully invest in over $8 billion worth of real estate. We are not salespeople. We do not work for builders or developers. We work for you.
Our process is built on education, transparency, and strategy, not hype. If you are looking for quick wins or overnight riches, we are not your people. But if you want a serious plan that protects your finances and grows your wealth over time, then you are exactly who we are here for.
How does this Financial Wealth Check consultation work?
The Financial Wealth Check is a one-on-one session designed to give you clarity over your current financial position and future investment potential.
In this session, we look at your income, expenses, savings, debts, and tax position to identify gaps, opportunities, and hidden inefficiencies. Then we show you what is possible, whether it is owning multiple properties over time, reducing your tax bill, or accelerating your path to financial freedom.
There is no pressure and no obligation. It is simply a professional deep dive into your numbers to see if property investment is the right next step for you. Most people walk away from it with more insight and clarity than they have ever had about their financial life.
What happens after the Financial Wealth Check consultation?
If we identify that property investment is a viable path for you, we invite you to a First Meeting where we present a tailored strategy based on your numbers, goals, and timeline. This includes your finance structure, borrowing capacity, tax position, and a preview of what your property portfolio could look like over the next 5 to 10 years. If everything makes sense, we then move into action with full support from our team at every step.If we discover that now is not the right time, we will guide you on what needs to happen before you’re ready. Either way, you leave with clarity and a plan.
I don't have a lot of time, will it still work for me?
Yes. In fact, our entire process was built for busy professionals like you.
We do the heavy lifting, from research to paperwork, so you can stay focused on your work and life. The key decisions are always yours, but we streamline everything to make it simple, clear, and time-efficient. You do not need to spend hours learning how to invest. You just need the right team behind you.
Does JDL Strategies have an Affiliate Program?
Yes. JDL Strategies offers a formal Affiliate Program called JDL Alliance, tailored especially for accountants and professional firms. It is Australia’s first AI-powered investment property affiliate system.
As a JDL Alliance partner, you gain access to JDL’s investment tools, WealthGoal software, and CRM designed for professionals. You can also earn substantial commissions through property sales and generate recurring income.
The program includes exclusive training, white-label opportunities, and membership in the Unstoppables entrepreneurial and philanthropic network.
To join, you apply through the JDL Alliance portal. Once accepted, you receive the tools, support, and revenue streams to help your clients invest and grow their wealth.
What is this protection device you call a firewall?
In our strategy, a firewall is a financial protection mechanism. It is not a physical product or software. It is a structural layer we build around your investment plan to shield your personal finances from unnecessary risk.
For example, we often separate investment debt from personal debt, use the right legal entities, and design your ownership and lending structure in a way that limits your exposure. If something goes wrong with one investment, the rest of your financial life stays protected.
Just like a firewall in cybersecurity blocks threats from spreading, our financial firewall ensures that one issue does not burn everything you have built.
How much can I borrow?
That depends on your income, expenses, savings, existing debts, and credit history. But it is not just about how much the bank says you can borrow. It is about how much you should borrow based on your goals, tax position, and investment strategy. In our Financial Wealth Check, we run your numbers through our AI-powered software to determine your true borrowing power and how to use it wisely. Sometimes, borrowing less in a smarter structure gets you further than maxing out your limit.
Do I have to pay Loan Mortgage Insurance?
You may have to, depending on how much deposit or equity you have. Lenders Mortgage Insurance (LMI) is usually required when you borrow more than 80% of a property’s value. However, in many cases, paying LMI can be a strategic move. It might allow you to enter the market sooner, preserve your savings, and benefit from capital growth earlier. We help you assess whether paying LMI makes sense in your situation or if there are smarter ways to structure your finance to avoid or minimise it.
What is an LVR?
LVR stands for Loan-to-Value Ratio. It is the percentage of the property’s value that you are borrowing.
For example, if you are buying a property worth $600,000 and borrowing $480,000, your LVR is 80%. The higher the LVR, the less deposit you are contributing and the more risk the lender takes on. That is why borrowing over 80% often triggers Lenders Mortgage Insurance (LMI).
Understanding your LVR is important because it affects your loan approval, interest rates, and overall strategy. We help you structure your LVR in a way that balances risk, tax efficiency, and long-term growth.
How can an offset account work for you?
An offset account is a powerful tool that can reduce the interest you pay on your home or investment loan. It works like a regular bank account, but the balance is “offset” daily against your loan balance. For example, if your loan is $500,000 and you have $50,000 in your offset account, the bank only charges interest on $450,000. This helps you pay off your loan faster and save thousands in interest without locking your money away. We show you how to use your offset account strategically, not just for savings, but as part of a broader plan to reduce debt, manage cash flow, and increase your investment power.
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Strategy Session
If home ownership is a dream of yours, but you don’t know where to begin, get in touch with us. This may very well be the game changer you’ve been so excitedly waiting for!
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