Most investors pick the property first and hope the suburb carries it. We run the numbers on the suburb first, then structure the loan that lets you hold it. Both handled by the same team.
A short call with John Manciameli. You will leave knowing your borrowing position and which suburbs the data currently favours.
It is rarely the property itself. It is everything decided before the property was chosen.
Between 70% and 80% of capital growth comes from the suburb, not the property. Most buyers get that order backwards.
A loan structured without the next purchase in mind quietly caps how many properties you can ever hold.
Brand new and off the plan carry a premium you pay on day one and wait years to earn back.
Australia has roughly 4,500 statistically reliable suburbs. We screen them on 30 data metrics that show a positive correlation with capital growth, then shortlist what is actually moving right now.
Finance first, because what you can borrow decides the strategy. Then the suburb. Then the purchase.
We work out what you can actually borrow and how to structure it, across a panel of over 20 lenders rather than a single bank. This is also where we look at the asset holding entity, because getting that wrong is what stops people at property two.
We screen 4,500 statistically reliable suburbs on 30 metrics and shortlist the ones the data currently favours, with the reasoning shown to you rather than a tip you have to take on faith.
Research, shortlist, inspections and negotiation handled by the same team that arranged your finance. Nothing stalls in the handover between broker and buyers agent, because there isn't one.
Mortgage broker and buyers agent. John found the wealth effect of real estate at a relatively young age, and he and his wife Lynette have since built a portfolio of multiple properties themselves. He is not recommending a strategy he has only read about.
That expertise has earned him regular appearances in the media, including a feature on the television show Your Money / Your Call on Foxtel. He also runs Hunterwood's education and mentoring arm, teaching the full ecosystem from what a credit officer is actually thinking when your application lands, through to which data sources identify a growth suburb.
You get a broker, a buyers agent, parabrokers, a loan processor and a post-settlement officer. Not one person juggling all of it.
Oversees finance, HR and business administration. Analytical background honed at Qantas Airways. BA majoring in Industrial Relations.
Over 25 years in banking, finance, management and mentoring, with broad knowledge of both residential and commercial credit.
Over 20 years in senior sales and client success. Named one of the "30 Most Creative Corporate Leaders to Watch" by Insights Success Magazine.
Came to broking from a career in IT, bringing the analytical habits of that world to finance applications.
20 years in sales, customer service and processing. Strong negotiator when dealing with banks and financial institutions.
Over 10 years inside Australian financial institutions as an underwriter, back office support and customer service.
Bachelor of Science with Cum Laude honours, skilled in financial analysis and consistently strong on delivery.
Over four years in customer-facing roles, sharpened on sales and negotiation, focused on keeping client communication seamless.
Houses on good blocks of land, positively geared, in suburbs that are growing. It may be boring, but it works.
New stock carries a developer premium you pay for on day one and then wait years to earn back.
You are buying a drawing and a completion date, not a property with a track record you can assess.
A property that costs you money every month limits how many you can ever hold. We buy for positive cash flow.
We would rather tell you now than three calls in.
One call, no charge, no obligation to go further.
Feedback published on the Hunterwood site, from clients across Sydney and beyond.
"John, we would like to wholeheartedly thank you for all the professional guidance and friendship you have shown us in the process of enabling the acquisition of our investment property. This could not have happened without your assistance."
"You're all very personable and professional. I like the way John speaks so passionately about investing, it is inspirational."
"Certainly will come back to Hunterwood with any future home loan needs. Very happy and satisfied. Certainly will recommend Hunterwood Solutions to my network."
"Being a first-time investor, it was a very stressful time for us. They took our situation into consideration and helped me out a lot. There is no reason they will not remain our brokers of choice for any future purchases."
"Thank you for making my dream a reality. It's a huge life changing event and words cannot express how much this means to me. Your service was above and beyond my expectations."
"We were so impressed by the valuable advice and information shared. I believe using a broker makes the process much easier."
The things investors usually ask on the first call.
No. Plenty of clients use the mortgage broking arm on its own. The buyers agency is there if you want the property side handled too.
That is what the education and mentoring arm is for. It teaches the whole ecosystem, from the credit officer's view of your application through to selecting the suburb.
No. The buyers agency service is borderless. The data decides the location, which regularly means buying interstate rather than close to home.
Because a property that costs you money every month limits how many you can hold. Positive cash flow is what lets a portfolio keep growing.
Over 20 lenders sit on our panel, and we research across them rather than working to a single bank's rate card.
Nothing. It is a conversation about your borrowing position and where the data is pointing. You decide what happens after it.
One short call with John Manciameli, a mortgage broker and buyers agent with 23 years in the industry who has built a portfolio himself. You will leave knowing your position and where the data is pointing.
Book a strategy call Or call John directly on 0417 028 017