Form 01
Discovery Questionnaire
Covers your current financial position, income, career stage, existing assets or liabilities, and what you are hoping to achieve. Completed after your initial consultation.
Our process
A property partner who works the way a good specialist works.
We don’t have a list of properties to sell you. We have a process designed to find the right property for you specifically — and those are very different things.
No property list
Not a property list. A property strategy.
Imagine this. You walk into a doctor’s Consultation room. Before you’ve said a word, they hand you a script, shake your hand, and say thanks for coming.
Would you trust that doctor? Would you fill that script?
Of course not. Because a recommendation without understanding is not a recommendation — it’s a guess. And in medicine, a guess can cause real harm.
Most real estate agents work exactly like that doctor. They have properties to sell, and they will sell the same property to everyone who sits across the desk from them. To them, the goal is the transaction. Whether that property is right for your income, your career stage, your risk tolerance, or your personal circumstances rarely enters the conversation.
You know better than most what it looks like when someone skips the assessment and goes straight to the answer. You see it, or you avoid it, every day.
We do things differently.
Before we recommend anything, we ask questions. We listen. We build a thorough picture of where you are, where you want to be, and what you can realistically and comfortably hold. Only then — when we actually understand your situation — do we go looking for a property that fits it.
The same property that is the right decision for one client could be the wrong one for the next. A 28-year-old with a growing income and decades ahead is playing a completely different game to a 55-year-old protecting what they’ve already built. Treating them the same way isn’t just unhelpful — it’s dangerous.
That is not how we work. And it never will be.
The process
What working with Prognos actually looks like.
Five steps to certainty — the same rigour you’d expect from a good specialist.
- 01
Step 01
Initial Consultation
Your initial Consultation is a genuine conversation. Once we know more about you, we can advise whether we are a good fit for each other and give you an honest picture of what is possible for your situation right now. There is no obligation to proceed — and if we don’t think the timing is right for you, we’ll tell you that too.
- 02
Step 02
Discovery & Perfect Property Questionnaires
After our initial consultation, we will outline our fees in writing so you know exactly what to expect. There is no pressure and no obligation to proceed.
If you decide to engage Prognos, we will then ask you to complete two documents so we have the information we need to provide relevant guidance.
The first is our Discovery Questionnaire. This gives us a clear picture of your current financial position, career stage, goals, and the cash flow that works for your circumstances. It means our initial findings for you are genuinely useful rather than generic.
The second is the Perfect Property Questionnaire. This goes deeper — into the type of property that suits your goals, your preferences, your risk tolerance, and the strategy that makes sense for your situation. The answers shape everything that follows.
- 03
Step 03
Get your finances in place
This step is non-negotiable and one of the most important things we can tell you.
We know you are time poor, and we have no interest in wasting yours or ours. That means we cannot begin researching suitable properties until we thoroughly understand your borrowing capacity. Before we recommend anything, you need full pre-approval — not conditional approval, full pre-approval — with your deposit confirmed and ready to go.
In a competitive market, conditional approval is not enough. When the right property becomes available, you need to be in a position to move. Hesitation at that moment is expensive.
We can refer you to a trusted mortgage broker who understands the medical profession and how lenders assess medical income, HECS obligations, and career structures. Or you are welcome to use your own broker. Either way, full pre-approval comes before property recommendations.
As part of the My Doctor Wealth group, our clients have access to the full MDW financial services team — including mortgage broking, financial planning, and accounting — all under one roof and all built for the medical profession.
- 04
Step 04
Property recommendation and acquisition
With your finances in place and your questionnaires completed, we go to work. We source properties that match your specific brief — drawing on our national and international networks, our wholesale access, and more than three decades of experience identifying properties that perform.
We present recommendations with a full rationale. We explain why a property suits your circumstances, what the cash flow looks like, what the risks are, and what our thinking is. We do not present opportunities we would not be comfortable recommending to a member of our own family.
Where relevant to your personal situation, we will also provide a Mortgage Gone Report. This demonstrates how strategic property investing can help you pay off your home loan in half the normal time — one of the most powerful and least discussed benefits of a well-structured property strategy.
- 05
Step 05
Settlement and beyond
Our relationship does not end at settlement. We are available to our clients as their circumstances change, their portfolio grows, and new decisions need to be made. Property investment is a long game. We are here for the long game.
The questionnaires
Two documents. Both important.
Form 02
Perfect Property Questionnaire
Goes deeper into your property preferences, goals, risk profile, and investment strategy. The answers directly shape the properties we recommend.
Research & selection
How we research and select property.
We find low-risk, high-performing investment properties for our clients. That’s the job.
We back that up with hard data. We use a set of research platforms alongside more than two decades in the industry and a network we’ve built over that time. Together, they help us find properties with real growth potential, steady rental demand, and low vacancy risk.
The result is a process that cuts out the guesswork. You get a clear recommendation, backed by numbers, and you can see exactly how we got there.
The tools we use
Seven layers of research. One clear recommendation.
Microburbs
Suburb and Street-Level Data
Microburbs gives us detailed data down to street level — demographics, amenities, and liveability. We use it to find the pockets within a suburb that consistently perform, for both rent and growth. It helps us pick locations that appeal to good tenants now and owner-occupiers later.
HTAG
Price Forecasting
HTAG forecasts price growth. We look at past performance, supply and demand, and where a suburb sits in its cycle. It helps us time a purchase and focus on areas likely to keep growing over the medium to long term.
SuburbsFinder
Comparing the Market
SuburbsFinder pulls together median prices, rental yields, vacancy rates, and recent sales. We use it to shortlist suburbs that meet our criteria, and to compare markets across different states at the same time.
Cotality
Infrastructure and Planning
Cotality shows us what’s coming — infrastructure pipelines, planning changes, land use trends. We use it to spot growth drivers early: new transport links, new commercial precincts, rezoning. It helps us get our clients in ahead of the shift, not after it.
.id (Informed Decisions)
Local Economic Data
.id gives us council-sourced data on population growth, household income, age, and employment. We use it to check that a location is backed by a solid, diverse local economy — not just a good story.
Property Share Market Economics
Market Cycles
PSME tracks how economic cycles, property markets, and credit conditions move together. We layer this over our suburb-level research, so we’re buying at the right point in the cycle, not just the right street.
Our Network
Off-Market Opportunities
Beyond the data, we’ve built a network of agents, developers, and property managers over two decades. That network gives our clients access to properties before they reach the open market. No platform replaces that.
Every property
A 30-year cash flow projection for every property.
Every property we recommend comes with a full cash flow projection covering the next 30 years. It accounts for purchase costs, rental income, expenses, your loan, interest rate movements, depreciation, and expected capital growth.
You’ll see, year by year, what it costs you to hold, how your equity grows, and what your total return looks like. That’s what lets you make a decision based on real numbers — not a gut feel.
Modelled over 30 years
Purchase costs & loan structure
Rental income & holding expenses
Interest rate movement scenarios
Depreciation benefits
Projected capital growth
Year-by-year equity position
Real numbers. Not a gut feel.
The numbers behind it
The Mortgage Gone Report.
If you’re carrying a mortgage on your own home, we can show you how the right investment property can help you pay it off years earlier.
The Mortgage Gone Report models two things side by side: your home loan balance going down, and your investment property’s equity going up. The point where that equity — after tax and selling costs — is enough to clear your home loan is the point you’re mortgage-free.
We build the report around your numbers: your loan, your income, and the specific property we’ve recommended. We model a few different growth scenarios, because markets don’t move in a straight line. Even under conservative assumptions, most clients get there years — sometimes a decade or more — ahead of schedule.
This only works because we start with the right property. Low risk. Strong location. Consistent rental demand. Get that right, and the numbers do the rest.
In short
Good data. Two decades of experience. A network no one else has.
We bring together good data, two decades of experience, and a network our clients can’t get anywhere else. Every property we recommend is backed by real numbers, not opinion. That’s how we keep the risk low and the results consistent.
Call to action
Ready to start the conversation?
Book your initial consultation below. There is no minimum income, no obligation to proceed, and no pressure. Just an honest conversation with an experienced consultant who understands your world.
No minimum income. No obligation.