— COMPLIANCE & LEGAL

What this is. And what it isn't.

This is a first-pass educational analysis only. It is not financial advice, credit advice, tax advice, legal advice, a valuation, or a recommendation to buy or sell property. Always verify assumptions with qualified professionals.

Who built this

I'm Virginia Graham — a former stockbroker, now a specialist mortgage broker operating since 2004 (Finance on the Coast, a subdivision of Model Mortgages Pty Ltd, ACL 387460). I don't sell property. The financial-modelling discipline that markets desks apply to listed equities and rates — cash-flow modelling, assumption stress-testing, bear-case analysis — is here applied to Australian property decisions for everyday buyers and investors. I built these free tools so you can run the numbers, stress-test the risks, and walk in prepared. Institutional discipline, made free. And it's all open-source — you can see exactly how the tools work, or run them yourself, on GitHub → https://github.com/ginnypie/PropertyAIOS

What this is
→An educational prompt library for Australian property buyers, investors, and borrowers.
→A framework for generating first-pass AI analysis of property listings and finance scenarios.
→A preparation tool for forming better questions before professional conversations.
→A structured system for identifying assumptions and risks before acting on them.
What this is not
→Financial advice under the Corporations Act 2001 (Cth).
→Credit advice — this site is not a credit representative or licensee.
→Tax advice — references to negative gearing, depreciation, or CGT are educational context only.
→Legal advice — contract review requires a licensed solicitor or conveyancer.
→A property valuation — comparable sales analysis here is educational only.
→A recommendation to buy, sell, hold, or avoid any property or financial product.
Qualified professionals to engage
→Mortgage broker — borrowing capacity, loan structure, LMI, pre-approval, lender policy.
→Conveyancer or solicitor — contracts, title search, vendor disclosure, settlement.
→Licensed valuer — formal property valuation for finance and legal purposes.
→Accountant — tax implications, depreciation, negative gearing, CGT, SMSF.
→Building inspector — structural integrity, pest activity, defect identification.
→Financial adviser — investment strategy, portfolio suitability, superannuation.