Independent Property Advice Review
Before you commit to a property purchase worth half a million dollars or more, get a second opinion from a Chartered Accountant with 15+ years in tax and structuring, who has absolutely nothing to sell you.
The Problem
You've been pitched a property. Maybe it was a buyer's agent with a glossy suburb report. A property marketer talking up off-the-plan returns. A financial planner suggesting you "add bricks and mortar" to your portfolio. Or a referral from someone who "knows the market".
The numbers look reasonable. The pitch sounds compelling. But something feels off.
Here's what most people don't say out loud: almost everyone in the property pipeline gets paid on transaction. Buyer's agents earn their fee when settlement happens. Marketers earn commission on sale. Even some advisers structure deals that benefit them more than they benefit you.
The advice you've been given is not independent advice. It is a recommendation from someone with a financial interest in the outcome. You deserve a second set of eyes from someone who has none.
Perspective
The Property
$750k+
Typical purchase price
The Review
$1,497
Full written assessment
A bad property decision at this price point doesn't cost you $1,497. It can cost you tens of thousands in avoidable tax, a decade of negative cash flow, the wrong ownership structure, or an asset that simply doesn't grow. The review fee is a rounding error on the transaction. The cost of getting it wrong is not.
What I Review
My review focuses on the tax, structural, and financial mechanics of what you've been told. I am a Chartered Accountant and Tax Agent, not a licensed financial planner. I won't tell you which property to buy. I will tell you whether the numbers, structure, and tax outcomes you've been pitched actually hold up.
Yield forecasts, rental income assumptions, vacancy allowances, growth rates, and after-tax cash flow. I stress-test the numbers in the BA's pack and tell you whether they are realistic or inflated to make the deal look better than it is.
Personal name, family trust, company, or SMSF. The wrong structure can cost you significantly in tax, land tax, and CGT down the track. I assess the mechanics of the recommended structure and the tax consequences over the holding period.
What does this actually look like at your marginal rate? Depreciation schedules, negative gearing position, land tax exposure, stamp duty, GST treatment for new builds, and CGT on exit. The real after-tax numbers, not the sales pitch version.
If the recommendation involves your super, I review the LRBA structure, contribution capacity, liquidity, in-house asset risk, and the tax flow inside the fund. SMSF property mistakes are expensive and difficult to unwind. This is where second opinions matter most.
I look for what's missing from the advice. Undisclosed commissions, marked-up developer prices, kickbacks between referral partners, or structures that benefit the adviser more than they benefit you. If it's there, I'll flag it.
I read the Statement of Advice, the projection model, and any contracts you've been provided. I check that what's written matches what you've been told and flag anything in the fine print that doesn't add up.
Who This Is For
The projections look good on paper. You want a Chartered Accountant to tell you whether they actually hold up.
It might be sound. It might be a structure that suits their product mix. An independent set of eyes will tell you which.
SMSF property errors are expensive to unwind and the rules are unforgiving. Don't lock your super into a long-term asset without a second opinion on the mechanics.
Trust the instinct. That feeling exists for a reason. Get the review before you commit.
At your marginal rate, getting the structure wrong compounds quickly. Generic advice will cost you. A tailored independent review pays for itself many times over.
How It Works
Share the recommendation, projections, Statement of Advice, contracts, and any materials you've received. Strictly confidential.
I assess the tax, structure, projections, and conflicts. No template, no junior staff. Personal review by a Chartered Accountant with 15+ years of experience.
Within 5 business days you receive a plain-English written assessment with findings, red flags, and observations. Delivered with a debrief call.
Walk away with confidence. Proceed, renegotiate, restructure, or walk. Either way, you'll know exactly why.
Pricing
No hidden charges. No ongoing obligations. No commission. Ever.
$1,497
+ GST · per single property
The most common entry point. A clear, independent assessment of a single property recommendation.
$2,497
+ GST · multi-property or SMSF
For multi-property recommendations, SMSF / trust / company structures, or where a detailed written report is required.
Limited availability. Reviews are completed personally by Andrew Romano CA. Not outsourced.
Common Questions
Trust is fine. Verification is better. The advice may be excellent. It may also have gaps that aren't obvious until settlement, and at that point you can't undo them. A second set of eyes from someone with no financial interest in the transaction is the cheapest insurance you can buy on a six or seven figure decision.
No. You've paid for confidence. You proceed knowing the numbers, structure, and tax outcomes have been independently verified. If you ever need to defend the decision later, you have a written assessment from a Chartered Accountant on file.
Yes. I'm a Chartered Accountant (CA ANZ), an SMSF Specialist, and registered with the Tax Practitioners Board. I have 15+ years of experience advising on tax, property structuring, and SMSF. The review focuses on the tax, structural, and financial mechanics of the recommendation, which is squarely within my professional scope.
It depends where you are. If you're still inside the cooling-off period, no. If you've gone unconditional, the review can still inform what you do next, including how to structure the purchase, what to negotiate, and what tax planning to put in place before settlement. Get in touch and tell me where you are.
Whatever you've been given. The buyer's agent or property marketer's pack and projections. Any Statement of Advice. The contract of sale or off-the-plan documents. Loan pre-approvals. SMSF documents if relevant. The more you share, the more comprehensive the review.
No, and deliberately so. I do not hold an Australian Financial Services Licence and this service does not provide personal financial product advice under the Corporations Act 2001. The review is independent professional commentary by a Chartered Accountant and Tax Agent on the tax, structure, projections, and conflicts in the advice you've received. It is general in nature. You should seek your own independent legal and licensed financial advice before making any investment decision.
No. I have no financial interest in whether you buy or walk away. My only product is an honest assessment. If the advice is sound, I'll say so. If it's flawed, I'll say that too. That's the entire value of the service.
Buyer's agents earn fees on transactions. Most planners earn fees on products or assets under management. Both have a structural reason to keep the deal alive. I charge a flat fee, take no commission, and accept no referral fees from any party in the property pipeline. That's the difference.
Request a Review
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You've worked hard for the position you're in. Don't let one bad property decision, or one conflicted recommendation, cost you years of progress. A qualified, independent review takes 5 business days and costs a fraction of a percent of what you're about to commit. No ongoing obligation. No upsell. Just a clear, honest answer from a Chartered Accountant who has no interest other than yours.
Request a ReviewLimited availability · Completed personally by Andrew Romano CA · 5 business day turnaround
Important Disclaimer - The information on this page and the Property Advice Review service constitute general professional review and commentary by a Chartered Accountant and registered Tax Agent. They do not constitute financial product advice under the Corporations Act 2001 and are general in nature only. The information is subject to change and may not always reflect the most current developments. Before acting on any information contained, consider its appropriateness to your circumstances and seek independent legal and licensed financial advice.