How To Pay Off Your Mortgage Faster

And build long term wealth safely, like 1.9 million Australians already are!

"When other property groups tell you they do extensive research, it usually means they pick from a list of developers and projects that they represent. But with IPRG, these guys are the real deal!!!"

First impressions don’t count when it comes to growth... supply & demand does!


Not Overpaying

Supply & Demand

Learn how to invest in property without having your lifestyle suffer. We show you how to find investment opportunities that have little to no impact on your cashflow.

You'll learn about the key drivers of supply and demand and how buying the right property in the right location will maximise the capital growth potential over time.

The best property deals are not listed on We'll teach you how to avoid overpaying and being taken advantage of in the heat of the moment.

Airport West (VIC)

Pascoe Vale (VIC)

Nudgee (QLD)

About Phil Hartog, Managing Director IPRG

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Cameron & Tammy Myrtle

The Three Pillars Of Property Investing

Sale Price: $560,000
Valuation: $580,000
 Date: April 2016
Surplus: $20,000
Sale Price: $500,000
Sale Date: May 2016
Valuation: $545,000
Surplus: $45,000 
Sale Price: $452,000
Valuation: $479,000
 Date: March 2016
Surplus: $27,000

The 3 very expensive mistakes people make when investing, and most people make at least one of them!


First Mistake. Buying a property that has too much impact on your cashflow. The last thing you want to do is have an investment property that massively impacts your lifestyle – and all of a sudden you can’t buy a good bottle of wine when you feel like it or go for holidays!

Second Mistake. Buying a property in a location that will not deliver good capital growth. The whole purpose of investing is to get solid long term growth. There is very reliable information available that enables you to really take the guesswork out of this step.

“Please don’t buy a property for $500,000 that will still be worth $500,000 in ten years.”

Third Mistake. Overpaying for a property. What could be worse than overpaying by 10% or even 20% on a property – we could be talking $50,000 or $100,000. Ouch!!!

Below are REAL examples of REAL properties that we helped our clients find and purchase!

Have you ever tried to win the game by just collecting your $200 and never building houses or apartments on your properties?

It just can’t be done. Especially if all the other players are building a property empire in hope that you land on them.

This is what Phil Hartog realised at the young age of 20 when he bought his first property. His dream was to purchase 10 properties over the next 10 years, sell half of them, and have 5 free-and-clear properties that could provide cash flow and continue to appreciate in value.

A great vision, but he went into it blind. He bought, he sold. He renovated, he built from the ground up.

He tried every approach to property investment that would help him realise his dream.  And then at age 30, he took stock of where he was towards his goal. In that 10 years he had bought 15 properties but had held onto 5 of them. So he was only halfway there!

Using his Psychology degree, Phil looked methodically and evaluate his investment choices, and began to analyse what were the key factors made his investments either succeed or fail. It was with this knowledge that led him to see a gap in the marketplace where Australians were not exposed to the best research that would lower their risk when investing in real estate and set them up to be more financially secure.

So in 2006, Phil created OHL Group (now known as IPRG) to assist Australians get better property investing education and full project management services so that his clients could invest in property with less risk and get closer to realising their financial goals.

Monopoly Lessons Learned…

Our past clients raved about what we do... So here's what some of them had so say!

"You know it’s a great product and a great company when you go back for more. I’ve purchased several investment properties with the help of IPRG and can’t wait to get onto my next one!"

Property investing is about the numbers; not about the emotion. IPRG showed me the truth in that when my property returned over a $32K increase in valuation from the time I signed the contact to when it settled.

"I work with a lot of guys who aren’t sure who to turn to for investment property advice... I turn them all onto the team at IPRG."

"When other property groups tell you they do extensive research, it usually means they pick from a list of developers and projects that they represent. But with IPRG, these guys are the real deal!!!"

Brendan & Joanne Dixon

Brett & Lisa Chapman

Brett & Lisa Chapman

Start Learning Today

Albany Creek (QLD)

Sale Price: $425,000
Valuation: $450,000
Date: February 2016
Surplus: $25,000

Pascoe Vale (VIC)

Sale Price: $489,000
Sale Date: January 2016
Valuation: $515,000
Surplus: $26,000
Sale Price: $525,000
Valuation: $545,000
 Date: February 2016
Surplus: $20,000

Brunswick West (VIC)

“Too much of a good thing is wonderful” according to that legend of Vegas entertainment, Liberace. And although he might have had a point when it comes to rhinestones and baby grands, this rule doesn’t apply to all aspects of life.

When it comes to property markets, for example – too much of a good thing equals danger! 

Understanding the relationship between supply and demand (too much or not enough) is critical to buying property well and making profitable long-term investment decisions.

Not convinced? Here’s why the poison’s in the dose when it comes to oversupply of property in any suburb – no matter how prestigious a location.


What does oversupply mean, in real terms – and why should you take pains to avoid areas that might suffer from it? If we take Melbourne as an example – oversupply means there will be more properties available on the market than willing buyers and tenants who are prepared to pay a premium for them.

The new properties arriving on the market are generally in high rise towers which have a tendency to be both overpriced and poorly constructed, the majority of which are 1 bedroom units which are just under 50 m2, with two bedroom units squeezing in at around 60m2. In other words – these properties are pokey and short-term lifestyle options in anyone’s language. They suit students or singletons making their way in the big city. Families don’t want these properties (preferring to live further out and enjoy larger properties and more permanent communities), and their relatively small size and high cost means that first home buyers will have difficulty obtaining finance to purchase them.

This reduces your pool of potential buyers drastically – meaning that when the time comes to sell your property in blue-chip Melbourne’s CBD, you could potentially be looking at a loss. Your rental income may also be affected, as tenants will be spoilt for choice when it comes to selecting accommodation: there’s nothing unique about your high-rise one bedroom apartment when there’s a pool of other, less expensive commensurate stock to lease instead. Oversupply forces prices down, and encourages vendors and landlords to discount their expectations in hope of attracting a purchaser or tenant – which is not an ideal position for any investor.

Buying in an area which suffers from oversupply is a true risk for any property owner, and a factor that can only be safely avoided with careful, intelligent research and statistics with which to fight gut intuition with market realities.

The Repercussions of Oversupply

Numbers Matter

Word to the wise: when buying a home to live in, go with your gut. Live where you love, where you need to be – purchase the home that represents value to you, a place you’ll be happy. When it comes to buying an investment however, it’s the numbers that matter – and that trusty old gut that must be ignored.

Counter intuitive as it seems, steering away from the apparently popular and blue-chip areas makes great sense. Choose your investment based market realities and statistics: don’t take it for granted that things are always what they seem when it comes to supply and demand.

In any area you’re looking to invest, you need to look at demographics to make an informed decision. What upcoming developments are tabled for the area, what quality will they be and how many properties will there be in total?  

Who are the key buyers for the area today, and who will they be by the time further developments are completed?

Seek out help from an expert – avoiding nasty newbie investor traps like property oversupply and assets which suit limited markets of tenants and purchasers. It’s true you know: you really can have too much of a good thing, even in the most prestigious of blue-chip property investment locations.

Too Much of Anything Will Kill You!

"One of the key steps in our research and due diligence system is to obtain a third party valuation by an independent bank valuer before we advise our clients to proceed to contracts… below are just a few REAL examples of REAL properties we have researched, sourced and referred to our clients in 2016"

Everything you need to know about negative gearing and more!

"Negative gearing is a catchphrase you’ll see over and again when reading investment magazines or interacting on property forums. Although it sounds complex, in principle negative gearing is a simple concept: it is tax-effective property investment. Embraced with enthusiasm by Australian investors nationally, negative gearing promotes property investment, increases the amount of private rental properties available to the wider community, and assists individuals minimize their annual tax bill while building a valuable portfolio of assets. It’s a win-win proposition! IPRG explains the finer details of how negative gearing makes property investment."

- Phil Hartog, Director IPRG

First things first – let’s look at ‘gearing’. Be it positive, negative or neutral, gearing means borrowing money to buy an asset such as property. Positive gearing means that the interest you are paying on the loan is less than the income, and that you are making a profit. Neutral gearing means that the interest you are paying on a loan is equal to the income, and that you’re breaking even. Negative gearing means that the interest you are paying on the loan is more than the income, and that you are making a loss. Normally, we all want to avoid making a loss – but in the case of property investment, making a loss is a positive position to be in. Why? Because you’ll receive a multiple benefits: reducing your tax bill while enjoying ownership of an asset which is increasing in value.

Let’s look at a simple example – you purchase a home for $500,000. Your tenants are paying a healthy sum to rent to property from you, but it doesn’t quite cover the interest repayments (this is entirely normal and indeed a desirable outcome). This is a negatively geared investment, and you’ll need to put some of your own funds towards making your loan repayment each month. To help you bear the cost of this investment, the government offers you a tax break on the interest component of the loan you have taken out to purchase the property – helping you hold the property for longer, affordable, sustainable and practical for savvy Australians. providing housing to tenants and giving you the opportunity to build a property portfolio for your future financial security.

Get Into Gear

Better Together: Negative Gearing and Depreciation Schedules

Negative Gearing In A Nutshell

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Tax-effective property purchase is enabled by negative gearing and further enhanced by a depreciation schedule. A depreciation schedule increases the deductions (or losses) you may claim against your investment property. Prepared by a specialist quantity surveyor, a depreciation schedule works in tandem with negative gearing, making sure you maximise the cash return from your investment property. It itemises costs associated with the construction of the property itself, and the ‘plant’ (better known as fixtures and fittings!) within the property – providing a schedule of deductions to claim as your property ages.

New properties are ideal for maximising such claims, as they are rich with new items, quickly ‘depreciating’. The amount you may expect to depreciate depends on the age of the building, its use and fit out. Consult with a knowledgeable adviser when selecting your tax-effective property, as not all properties offer the same depreciation benefits.

"I've spent the past two decades refining the investment process and finally have built a great system that I want to share with the entire country"

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Brett & Lisa Chapman

IPRG Clients

Gain access to our video series, where we'll share our research methods, tools and strategies with you.

Step 1: Paying Less Tax
Because we can't create money out of thin air, the extra repayments will have to come from somewhere. In our video series, you'll find out how almost 2 million Australians are already taking advantage of our tax system to generate extra tax rebates and refunds to build wealth safely and legally.
Stage 2: Using Tax Savings To Invest
Once we have shown you how to free up additional funds from your tax, we then show you how to use these tax savings to generate additional cashflow that you can invest in assets that don't impact your lifestyle or cashflow.
Step 3: Finding Growth Investments
How long have you owned the house that you live in? How much did it cost you back then? Have you considered what it might be worth now?
Imagine if we could show you how to own another property like this that didn't require a deposit or additional cashflow from you! Using the above tax benefits and smart investment research and structuring, you can potentially accelerate the repayment of your mortgage
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