Clear answers before your first decision.

JDL Strategies is an Australian property strategy company led by Julio De Laffitte. JDL reports more than 30 years of experience, more than 2,400 property investors and involvement in more than $8 billion of real estate transactions. Its stated approach is education, transparency and long-term strategy rather than quick-win property speculation.

The Financial Wealth Check is an initial review of your income, expenses, savings, debts, tax position and goals. It is designed to identify gaps and opportunities and determine whether a property investment strategy may be suitable before you commit to a property.

If JDL identifies a viable path, the team can prepare a tailored strategy covering areas such as borrowing capacity, finance structure, tax considerations, portfolio sequencing and long-term goals. If the timing is not right, the next step may be improving specific parts of your financial position first.

JDL’s process is designed for busy professionals. The team handles detailed research and administration, explains the key decisions and keeps the client involved where judgement and approval are required.

Borrowing capacity depends on income, expenses, savings, existing debts, credit limits, expected rental income and lender policy. The amount a bank may lend is not automatically the amount you should borrow; buffers, goals and cash flow also matter.

LVR is the percentage of a property’s value funded by debt. If a property is worth $600,000 and the loan is $480,000, the LVR is 80%. LVR can affect lender approval, pricing and whether Lenders Mortgage Insurance applies.

LMI is commonly required when a borrower exceeds a lender’s standard LVR threshold, often around 80%, but rules vary. In some situations paying LMI may allow an earlier purchase; in others, waiting or changing the structure may be preferable. It protects the lender, not the borrower.

An offset account is a transaction account linked to an eligible loan. Its balance is generally offset against the loan balance when interest is calculated, which can reduce interest while keeping the funds accessible. Features and fees vary by lender.

JDL reports researching across New South Wales, Victoria, Queensland, South Australia and Western Australia, with attention to the individual sub-markets within each state.

It is JDL’s property feasibility process for testing potential opportunities across market, location, property and financial factors. The process supports consistent analysis but does not guarantee future performance.

Yes. JDL states that it works alongside clients’ existing accountants so investment and finance decisions can be considered with the client’s wider tax and professional advice.

Yes. JDL Alliance is the group’s partner program for accountants and professional firms. It is operated through a separate JDL Alliance website and should be reviewed directly for current eligibility, features and terms.