How We're Different
Most property decisions involve three separate professionals who never talk to each other. We eliminated that problem by being all three.
The Integrated Model
All three practices operate under one ownership structure. No external shareholders. No referral commissions to third parties. Your interests are the only interests at the table. Because your accountant, broker, and agent share one client file, every decision is informed by your complete financial picture — not fragments of it.
Local Knowledge Pty Ltd
CPA Public Practice · Registered Tax Agent
Established over 26 years ago, our accounting practice holds your complete financial picture — income streams, entity structures, depreciation schedules, CGT history, and tax position.
Ding Financial
Mortgage Brokerage · CAR of Global Mutual Funds
$300M+ settled over 20 years. As a Corporate Authorised Representative of Global Mutual Funds (AFSL held since 2001), we structure loans for tax efficiency — not just the lowest rate.
Ding Real Estate
Licensed Agency · AI-Powered Intelligence
Property transactions executed with full financial context. Our proprietary ASPIRE Intelligence™ platform provides AI-powered market analysis, but the real edge is knowing your complete position.
Why Integration Matters
✕ The Traditional Way
- •Agent recommends a property. Doesn't know your marginal tax rate is 47%.
- •Broker gets you a loan. Doesn't know a different structure saves $12K/year in tax.
- •Accountant does your tax return. Only sees the property after settlement.
✓ The Ding Group Way
- •We model the after-tax return BEFORE you inspect a property.
- •We structure the loan for your specific entity and tax position.
- •We time the sale to optimise your CGT position across the financial year.
Meet Graham & James
Father and son. Both qualified. Both hands-on. When you work with the Ding Group, you work directly with the principals.
Graham Ding
Principal · CPA · Registered Tax Agent · Licensed Mortgage Broker
With 26 years of CPA practice and over $300M in settled mortgages, Graham brings the financial architecture that turns property transactions into wealth-building outcomes. He sees the numbers that other agents can't read.
James Ding
Director · Technology & Property Intelligence
James built the ASPIRE Intelligence™ platform and brings technology-driven property analysis to the group. His AI-powered market intelligence capabilities provide an analytical edge no other advisory offers.
Our Process
Every engagement follows a structured approach that leverages all three disciplines.
Financial Position Review
We start by understanding your complete financial picture — income, entities, existing portfolio, tax position, borrowing capacity, and goals. This happens at the accounting practice level, not over coffee at an open home.
Strategy & Structure
Based on your position, we determine the optimal entity structure, loan configuration, and property criteria. Should you buy in personal name, a trust, a company, or your SMSF? We model each scenario.
Property Intelligence & Selection
Using ASPIRE Intelligence™ and 26 years of market knowledge, we identify properties that meet both your financial criteria and lifestyle requirements. We analyse after-tax yields, depreciation schedules, and growth potential.
Finance & Execution
Ding Financial structures the loan for tax efficiency. Ding Real Estate negotiates and executes the transaction. The accountant, broker, and agent are literally in the same room.
Ongoing Management
Post-settlement, Local Knowledge manages the tax implications — depreciation claims, negative gearing optimisation, CGT tracking, and annual portfolio review. The relationship doesn't end at settlement.
Complete Confidentiality
As a CPA practice and licensed financial services firm, we operate under strict professional and regulatory confidentiality obligations. Your financial information, property transactions, and strategic plans are held in the strictest confidence. All three practices are bound by these obligations.