On this page you will find some (but not all) of our extensive client testimonials.
Please feel free to read some (or all) of them, and if you have any questions please contact your Local Branch to arrange to be put in contact with any of these clients.
“We moved to the Coffs Harbour region from Sydney 7 years ago seeking a more relaxed lifestyle after a major health concern for Peter. Consequently our employment incomes dropped significantly and we needed to rekindle our interest in property to secure our future and improve our short and medium term circumstances.
After hearing so much about Destiny we decided to investigate their Virtual Branch education and support services for clients living a long way from a local Destiny branch. Destiny's Virtual branch has successfully delivered these services to us via modern technology. There has been no disadvantage compared with a face to face service. Our results have been tremendous. In two and a half short years we have acquired 6 investment properties.
The capital growth has been about 10% and the cash flows on all our properties are neutral or cash flow positive. They have always been completely professional, impartial and ethical in all their dealings with us. We have no hesitation recommending Destiny's Virtual service to anyone wanting to build wealth and income from a distance.”
Peter & Therese Ryan,
Coffs Harbour NSW
Clients of Virtual Branch
“Joining Destiny Financial Solutions has been a rewarding experience for us.
I have been interested in property investment for a while now, and owned an investment property for some time. I was interested in owning multiple properties for financial security, and discovered Your Money Your Call and Property Success with Margaret Lomas on the Sky Business Channel. I contacted Destiny Financial Solutions Fitzroy as a result of the programs, and we attended an open office session in Fitzroy.
We found that the goals of Destiny and the methodology used - of buying and holding for instance (not necessarily of renovating) was in line with ours. We decided to sign up and attending our Essential Property Education course in Fitzroy in October 2009.
We both enjoyed the course immensely. Louise Lucas was an entertaining and knowledgeable trainer. The course was a very worthwhile activity for us to do as a couple. We liked that the course equipped us with skills do conduct our own research and property search.
We were also provided with ongoing individual support after the course. I was extremely grateful for this as it allowed us to ask questions, voice our concerns on a particular property for instance, and clarify whether or not we were making the right decision. Not matter how busy Louise was, she always made the time to talk to me to provide guidance and the much needed support, including providing an after hours number.
A week after our EPE course, we made our first property purchase. Doing the EPE course and being a part Destiny has started us on a momentum of researching to buy more properties. We have found it to be exciting, challenging and we're having a lot of fun in the process.
Signing up as a Platinum member has turned out to be an excellent investment, and we are finding we are getting a good return on this investment of ours.”
Harry & Robert,
Point Cook VIC
Clients of Fitzroy Branch
“My husband and I were in a position where we had bought and then sold several properties. However, we realised that although we’d made a profit on these properties sold, they had later continued to go up in value. My husband always wanted to buy investment properties and hold on to them, but we did not have the know-how without outlaying a lot of our own personal funds. Then I discovered Margaret Lomas’ books which I read with enlightenment and much enthusiasm. This was the answer we were looking for! We decided to contact Destiny in Fitzroy VIC. This was the start of our financial freedom.
We joined Destiny in January 2007 and purchased our first investment 3 months later. We were so excited to learn as much as possible about property investing that we attended many Destiny education courses. With our newfound knowledge, reading property information and using Margaret’s books as a guide, we were totally confident in purchasing our next property in a regional centre. We purchased 4 units on one block in Victoria, which were positive cash flow from day one!
In February 2008, we found a property in the city centre of another regional town, interstate. These units have all had rent increases and the property has gone up in value by 25% in 1½ years. To date, all of our properties have not only increased in value significantly but the rents have also already gone up. We plan to purchase another 3 properties before June 2010 and feel this is a realistic goal.”
Destiny has given us the confidence to buy property without the fear of making a huge mistake. There is always someone at the office to support us and give us advice. We’ve now learnt about what a ‘good area’ entails and we use Margaret’s book ’20 Must Ask Questions for Every Property Investor’ to substantiate our findings.
Joining Destiny was the best money ever spent. In my opinion, we recouped the value of the fees from our first purchase.”
Louise,
Epping VIC
Clients of Fitzroy Branch
“After reading a number of books and searching for a reputable company to guide us into property investment we finally made an appointment with Destiny. They were able to explain how property investing works and provide us with the knowledge and tools to build a positive cash flow portfolio. Although we had a good superannuation scheme it became obvious that we needed to do more to ensure a comfortable retirement, with plenty of scope for overseas travel.
We have been with Destiny for six years and now have seven investment properties, with our total portfolio being positive cash flow. Thanks to Destiny we are well and truly on our way to achieving that comfortable retirement. Destiny has provided us with ongoing support and motivation to achieve our goals, we highly recommend you make an appointment and see for yourselves - no high pressure gimmicks, just an ethical and experienced team who certainly have made it happen for us.”
Graeme & Margaret,
Mooroolbark VIC
Clients of Bayside Branch
“Over the past five years my personal wealth has been growing significantly and continuously because of the help I've received from Destiny Financial Solutions. Initially, I had a Personal Financial Plan written for me which gave me immediate and tremendous financial reward.
Gradually, I purchased two positive cash flow investment properties through Destiny Financial Solutions and am looking forward to expanding my investment portfolio with more properties through the ongoing support, guidance and personalised services which they provide.
Destiny Financial Solutions is making my journey towards personal financial freedom enjoyable, easy and stress free!”
Marie,
Mandurah WA
Clients of Joondalup Branch
“In 2008 a friend, who owned some investment properties, recommended Margaret Lomas’ books to read. I'd always been interested in the idea, but I didn't know that it could be done without having lots of money to pay out each week. "Positive cash flow" was a revelatory idea! I jumped on the Destiny website and contacted Tim and Elena at the Mawson ACT branch.
Since November 2008, I have purchased 4 properties, and settled on my 5th in mid April. I'm also actively looking for my 6th. I couldn't do this so confidently if it were not for Tim and Elena's help, advice and sense of humour every step of the way. Not having my husband involved could have been a little daunting, but I do all the homework myself on properties, and then run it by my Destiny Branch. I absolutely love it, I love the challenge of finding a property, doing the research, talking to the agents, valuers, building inspectors and property managers, and when I've made an offer Tim and Elena step in to do all the hard work like setting up the loan. I wish I had known about Destiny years ago, I would be a lot further ahead on my wealth path.
I've attended the Focus Groups sessions, had a group meeting with Margaret and am looking forward to now achieving Platinum Plus status. I have also kept in touch with 3 of the girls from my Focus Group, we call ourselves the "Property Moguls" and meet once a month - it's so refreshing to chat with people doing the same thing and being able to swap views on property investing!
Thanks to Destiny I'm well on my way to achieving my goal of 6 properties by June 2009, and I hope to add many more to my portfolio.”
Irene,
Chapman ACT
Client of Mawson Branch
“Financially we always knew what we wanted to achieve but we were looking for a way to get there. When we read the first of Margaret's books we were hooked and have never looked back.
When we joined Destiny in 2003 we had a mortgage and one investment property. Now 5 years later, we have no personal debt and 11 properties in our portfolio which is still growing. We could not have achieved this without the help of the Destiny Team on the Gold Coast, especially Carolyn, who is an expert in keeping things in perspective and our feet firmly on the ground!
Anybody looking for sensible, sound advice about property investing should look no further than their local Destiny Branch. As well as being great mentors they have also become great friends in helping us on our journey to reach our goals."
Andrew & Kylie,
Highland Park QLD
Client of Gold Coast Branch
“We had been talking about investing in property for a few years but thought the only way to achieve that was to pay off our own home first, then start saving for another. That seemed years away! We discovered Margaret's book 'How to create an income for life' and it just made so much sense to us. We looked up the Destiny website and found an office in nearby Highett had recently opened. It was fate!
Within days we had our first appointment with Louise. Soon after, she provided a detailed personal financial analysis and we bought our first investment property within 4 months! Within the first 12 months we had purchased another 2 investment properties and have continued to make significant inroads on our own home mortgage. Louise and the team at Bayside Destiny are enthusiastic, supportive and committed and we have felt confident at every stage. With the much valued support provided by Destiny Financial Solutions, we now own four investment properties and are eagerly looking for a fifth!”
Kate & Jamieson,
Parkdale VIC
Clients of Bayside Branch
“We first approached Destiny because we wanted to secure our financial future. The Destiny philosophy and approach made sense to us and matched our values and needs.
Destiny developed a report outlining our current financial situation and possible future financial situation if we were to use the Destiny system. This gave us a goal to work towards which we were keen to achieve. Eight months after joining Destiny, we had purchased our first investment property, and two more followed a couple of months later. We are on track with our investment property target and are looking forward to reaching the goal Destiny has set for us, and surpassing it in the years to come.
We have learnt a lot from the Destiny Team, who are always helpful, motivating and supportive - thank you Tim and Elena; we couldn't have done it without your assistance.”
Kannika & Thanh,
Gowrie ACT
Clients of Mawson Branch
“I had been interested in property for a while and had read a few investment books but still didn’t know how or where to start. As I’m originally from the UK, I didn’t feel that I had a good understanding of Australian property markets, tax issues and finance options either.
I first approached the Destiny branch at Crows Nest almost a year ago because I didn’t want to start an early retirement strategy involving large amounts of money without having some form of risk management or guidance. Thankfully I’ve made the right choice.
Since starting on the Destiny system I’ve purchased three investment properties (looking for my fourth at the moment). A year ago if someone had told me that I would be in this position I wouldn’t have believed them.”
Iain,
Lane Cove NSW
Client of Crows Nest Branch
“Before we came to Destiny we were paying off our home and had one investment property. Like many property investors, we didn’t have a strategy in place or know where we were going with our investments. What we did know was that nothing was going to magically happen for us. If we didn’t get some help we were unlikely to achieve a lifestyle we wanted.
After reading a few property investment books and researching different services, we ended up feeling comfortable with the Destiny approach. Even so, we were still wary as we’d heard stories about what can go wrong with inappropriate property investment advice. We wanted qualified advisers that weren’t trying to sell properties to us.
Following our initial consultation at the Crows Nest branch we decided to move forward with a plan based on our current financial position, which outlined our potential to build a substantial property portfolio. We then arranged to have our finances streamlined, to support a debt reduction strategy combined with multi-property acquisitions. We were fully trained on the Destiny software, attended the client research groups. so the foundations were finally in place.
We purchased two properties soon after joining Destiny and will have our next investment property very soon. We’re on track to achieving a passive income stream that wasn’t going to happen otherwise.
It’s great to know we can contact our branch for some guidance before we make our next move. The tools and support provided have been fantastic and we’re looking forward to working with Jim, Sylvia and the staff at Crows Nest for many years to come.”
Justin & Michelle,
Centennial Park NSW
Client of Crows Nest Branch
“Just before Christmas 2005, life took a dramatic turn, and I found myself single with three children (one of them still in full time child care) and a hefty mortgage.
Those early days were all about surviving on one wage, keeping food on the table and struggling with interest rate rises. I knew there must be a better way, so I started to educate myself about money. I read anything I could get my hands on, and attended a few seminars. Margaret Lomas and her positive cash flow strategy really spoke to me.
I became a client, but I was struggling internally. How could I achieve this when I could barely make ends meet? What if I made bad decisions and lost everything? Fear was holding me back.
In February 2008 I attended a Destiny Focus Group. We set and shared our property goals. Each fortnight we met and talked about what we were doing towards those goals, and set milestones to achieve before the next meeting. It was the most powerful experience I have ever had, and in the space of a few months Destiny and the team helped me turn my life and my confidence around.
As I met my milestones I started to see that it could indeed be done. In July 2008 I purchased my first property, and I’m now working on my strategy for property number two. Thanks to Tim and Elena at Destiny and the Focus Group, my mortgage is reducing and I’m living my property investment dream.”
Jo,
Gordon ACT
Client of Mawson Branch
“I had an opportunity to buy a house off the plan but every time a document was put in my hand I felt like I was being conned.
So I bought some books to become more informed and that’s when I discovered Margaret Lomas. From then on I was hooked and when I found out there was a Destiny office in Bayside, that was the start of my Destiny journey.
Destiny Bayside sorted out my finances and I have bought my first investment property. They are most willing, cooperative, generous and, did I mention, good fun people... absolutely nothing is too much trouble. Louise and her team give you so much confidence in yourself. It’s like an umbilical cord is attached so you can’t go wrong.
I was so impressed with the level of assistance that I introduced a good friend and her son to Destiny as I have every confidence they will also be looked after. Joining Destiny was the best investment I ever made!”
Heather,
Oakleigh South VIC
Client of Bayside Branch
“We bought our first investment property a few years back, and that's where we stayed - with just 1 property.
Destiny has helped us develop a clear long term plan for our financial future. And, in under a year we have purchased an additional 2 investment properties using Destiny's mortgage repayment techniques. We now have 3 investment properties working for us, and we're shopping for our 4th. We couldn't have achieved these fantastic results without the team at Destiny. Thanks Destiny!”
Paul & Bradley,
Holt ACT
Clients of Mawson Branch
“We teamed up with Destiny on the Gold Coast to help finance our principle place of residence. Once we had settled in we started to read some of Margaret's books and attended a few seminars to build our knowledge base.
We signed up to become Platinum clients once we had bought our first investment property in Sept 05. We now (Sept 07) have 5 investment properties spread across the country all of which are continuing to grow in value.
The Gold Coast branch has been fantastic at giving us guidance and support along the way. Sometimes we've pushed the envelope pretty hard, with LVR and serviceability issues trying to slow us down, but with Carolyn's help we've managed to keep rolling along.
I'd be more than happy to recommend Destiny's service to anyone looking to grow a large property portfolio to secure their financial future.”
Jeremy & Linda,
Carrara QLD
Clients of Gold Coast Branch
“We first heard Margaret Lomas speak at the 2006 Property Investment Expo in Brisbane. At this point we were at a crossroads unable to make a decision. Over the past few years we have read the books and attended seminars but Destiny put everything into perspective and helped us to move forward with the right direction.
Since joining Destiny, our situation has improved to the point where we are now purchasing our third property. Destiny encourages you to believe in your ability and gives you the confidence to take the next step and to keep going.
We can't speak highly enough about the Destiny team and their service. Our questions are always answered as promptly.
We have no hesitation is recommending Destiny. Their positive attitude, the help and information that they provide creates an environment to help you achieve your goals- plus you get to have fun along the way.”
Bruce & Jane
Hollywell, QLD
Clients of Gold Coast Branch
“Over the past couple of years I’ve been actively seeking for a way to build a property portfolio. After attending many property expos and seminars I came into contact with Destiny and have never looked back since.
They have provided me with all the support I’ve needed to purchase 2 positive cash flow investment properties within 12 months and have greatly educated me in the process.
By far the best investment I’ve made has been my decision to join the Destiny team, as the initial start up fee has been paid off many times over.
I certainly would not have been able to achieve the same level of success without their support, and their team is second to none. Thanks to Destiny it’s ‘Two down and many to go!‘”
Ryan,
Killarney Heights NSW
Client of Castle Hill Branch
“We first approached Destiny in 2004 for assistance with starting a property portfolio. Destiny was able to assist with structuring our finances to get the most out of our investing and help with analysing property for our portfolio.
Since starting on their system 2 ½ years, we have reduced our mortgage by $63,000 and purchased 4 investment properties. The results they have achieved for us speak for themselves. Thanks Destiny!”
Andrew & Sandy,
Birkdale QLD
Clients of Gateway Branch
“Originally I found out about Destiny at the Perth Money Show in 2003. I spoke to the people at the Destiny stand and purchased Margaret Lomas' book, 'How to Create an Income for Life'. I had been looking for a way to set my family up financially and this book explained exactly how to go about it without the need to get into glad wrap? No seriously it was no nonsense, straight and easy to read stuff that everyone is capable of doing.
So I booked in to see the local Destiny branch at Willetton (now East Perth) for a free Financial Analysis and was surprised at the advice and help that was available and freely given. After seeing what they could offer me from this first visit I was more than happy to become a Destiny Client, the fee to me was the best investment I ever made. Gary and Jan are gold.
This couple’s enthusiasm for what they do make it a pleasure every time I ring for advice which has been often, sorry guys. The DestinyTrack software system that is designed for clients makes the whole investing thing so much easier. The tools are easy to use and make finding the right property and tracking its progress from day one a breeze. I have bought two properties since and they don't cost me anything, in fact they make me money every month and their value has gone up. The next is on its way and the thought of being financially secure by 40 is well and truly within reach.”
Scott,
Perth WA
Clients of East Perth Branch
“Although it's been a lot of hard work, having Margaret Lomas as a mentor certainly gave me that extra courage to take the first leap and take risks that I normally wouldn't have taken on my own.
I have achieved everything I wanted and more in this last year. I have learned so much about managing my finances, investing in property, being a landlord and how to create an income for life.
At age 55, I will be retiring a millionaire. Hopefully, I will be able to give the same gift I have had to someone else, by mentoring them in property investing...”
Kathy,
Bilambil NSW
Client of Gold Coast Branch
“We had purchased 2 investment properties on the Gold Coast during 2003 but then stalled, as we felt that we did not have the confidence, the skills or the investment knowledge to continue onwards with building our property portfolio.
At about this time, we started reading some of Margaret Lomas' property investment books and then attended a property information seminar run by Margaret on the Gold Coast. Following this seminar, we approached Destiny Gold Coast to see how the company could assist us.
From this initial meeting, we left confident that Destiny could fast track our financial plan to acquire additional positive cash flow properties and develop a long term plan for our future prosperity.
Since starting on their system around 3 years ago, we have now purchased numerous other properties including interstate locations without ever having seen them - something we thought we previously would never have been comfortable doing. We are currently working on locating our next investment property in North Queensland.
Whenever we have any questions or problems, the local Gold Coast branch financial adviser Carolyn Walshe & Manager Boris Li, are there to help us by either phone call or face-to-face consultation.
Destiny have provided us with the confidence, the knowledge and the skill for us to continue building our future wealth. The results they have achieved for us speak for themselves.”
Kevin & Sally,
Burleigh Heads QLD
Clients of Gold Coast Branch
“Destiny have helped us to develop a clear picture of where we want to be with regard to our future financial position and have assisted us in formulating a plan and focusing out energies to ensure we get there! We have bought two investment properties in the past twelve months, which would not have been possible without the invaluable help and support from the Destiny team at Joondalup.”
Brett & Kirsten,
Perth WA
Clients of Joondalup Branch
“We first approached Steve at Destiny over two years ago after having read Margaret Lomas' book "How to Create an Income for Life".
We had the aim of reducing debt and at the same time building a portfolio of positive cash flow properties. Steve showed us the system which included a detailed budget and how to go about accumulating properties without becoming a slave to the mortgage.
So far we have been delighted with the service and our debt/asset ratio has improved significantly. We are more than happy to recommend Destiny.”
Bernie and Gai,
Joondalup WA
Clients of Joondalup Branch
“Like many people we understood the need to invest for our future but simply didn’t know where to start. Having been impressed by Margaret Lomas’ book The Truth about Positive Cash Flow Property we contacted Destiny at Castle Hill and haven’t looked back since.
Dean and his team simplified complex issues and helped us plot a practical way forward. In a little over a year Destiny has organised the refinancing of our home and guided us in the purchase of three investment properties. We are currently looking for a fourth and are well on our way to financial independence.
We cannot recommend Dean and his team at Destiny highly enough. Without them we’d still be wondering where to start.”
David & Kim, Gordon NSW
Clients of Castle Hill Branch
“It took us ten years to buy our first investment property, then we met the Destiny team at the Money Show. Within 18 months, Steve and his team at the Joondalup branch assisted us in purchasing six more properties and on-going. Professional help for professional results.”
Terry and Linda,
Perth WA
Clients of Joondalup Branch