Nothing in it is verified against a payslip or a lender. The income and the equity are what the investor said. That is stated first because this is the lead most often oversold.
Who this investor is
The RBA describes the group in its May bulletin on housing investors. Nearly 40 per cent of investors come from the top 20 per cent of income earners. The median age of an investor moved from 45 to 51 across the two decades the data covers. The share aged over sixty rose from 12 to 28 per cent.
So this investor is older than the ad copy suggests and closer to retirement than to a first purchase. The enquiry tends to state equity, an existing property or two, and a plan for a second or third.
What a high income investor states
Income is not a field on the form. The investor shows in the answers to the five fields that are, and in the words they use.
- Goal: a second or third property, or a target for the portfolio as a whole
- Budget range, often wide, because borrowing is not the limit
- Equity position, as stated, across a home and the properties they already hold
- Timeframe, often tied to a financial year end, a bonus or a sale
- Location interest, often interstate, sometimes more than one market
Why do they want a structure conversation?
Because for this investor the property is the easy part. They have bought before. What they have not had is someone look at the whole position. How is the next property held? How is the debt arranged across all of them? What is the portfolio meant to do when they stop working? Some already hold something in a trust or a company and want to know whether the next one belongs there too.
A suburb pitch loses this call fast, because they have heard it before. A conversation about sequence and structure keeps them, because nobody has offered one. The lead carries their stated equity, goal and timeframe, so open there.
What an advisory should ask before buying this lead
High income is the easiest label to attach and the hardest to check, so ask the supplier how it got there. Any answer involving verification describes a lender's job, not a lead supplier's.
- Is the income stated by the investor, or inferred from a postcode or a job title?
- Is the equity figure the investor's own, or an estimate the supplier added?
- Is the goal in the investor's words, or a box labelled portfolio?
- Is the record sold to a broker, an accountant or a developer as well?
What GoatedLeads records, and what it does not
We record what the investor stated, in their words, and attach nothing to it. No credit check, no income check, no contact with a lender. The mobile is checked as a working Australian number and the enquiry is checked against every lead you already hold. It then goes to you alone by SMS and email the moment it arrives.
One price per lead, agreed in writing, with no retainer, no lock in and no minimum term. A wrong number, duplicate, out of market or non investor enquiry is replaced or credited when flagged within five business days. We give no advice, do not contact the investor after delivery, and keep the data in Australia.