About Tenant to Owner Property Solutions
Tenant to Owner Property Solutions (T2O), operating under 3T Works Pty Ltd, is a licensed real estate agency based in Werribee, Victoria. T2O was founded to serve the ‘Missing Middle’ — Australians who can afford to own a home but are locked out by deposit barriers, rising rents, or an unfamiliar property market.
T2O operates eight service lines, each designed to serve a distinct client need. Because some of these services involve different parties in the same property transaction, this page explains clearly who T2O acts for in each service, what fees T2O earns, and how we manage situations where our duties to different clients could come into tension.
This document is published in accordance with T2O's obligations under the Estate Agents Act 1980 (Vic) and the Australian Consumer Law, and reflects T2O's own commitment to transparent and ethical practice.
Our Services at a Glance
The table below summarises who T2O acts for and how T2O earns fees across each service line.
| Service | Who T2O Acts For | How T2O Earns |
|---|---|---|
| T2O Rental Portal | Neutral platform — no agency relationship with renters or listing parties | Free service. No fees at this stage. |
| Relocation Assistance & Rental Finder | The renter or migrant (paid client) | Service fee paid by the renter |
| Buyers Agency | The buyer — owner occupier or first home buyer (paid client) | Buyers agency fee paid by the buyer |
| Property Management | The landlord (management client) | Management fees paid by the landlord |
| SMSF Property Advisory | The investor / SMSF trustee (advisory client) | Advisory or referral fee paid by the investor |
| T2O Invested Futures | Both buyer occupant and investor (disclosed dual role) | Setup, management & performance fees from both parties — disclosed upfront |
| Property Viewer Marketplace | The paying client who requests the inspection — renter, migrant, or investor | Platform fee per inspection job; Property Viewer earns a per-job rate |
| Tenants Agent Institute (TAI) | The course student / trainee Property Viewer (learner client) | Course and enrolment fees paid by the student |
T2O is a licensed real estate agency, not an Australian Financial Services Licence (AFSL) holder. T2O's SMSF advisory service covers property selection, purchase logistics, and referral to licensed SMSF professionals — it does not constitute financial product advice. Where financial product advice is required, T2O will refer clients to a licensed financial adviser.
Who This Document Applies To
This page applies to all parties who engage with T2O's services, including:
- Renters and migrants using the free T2O Rental Portal or paying for Relocation Assistance or Rental Finder services
- Owner occupiers and first home buyers engaging T2O as their buyers agent
- Private landlords listing on the portal or engaging T2O for property management
- Property managers and real estate agencies listing on the T2O Rental Portal
- SMSF trustees and property investors using T2O's SMSF advisory service
- Occupants and investors participating in the T2O Invested Futures shared equity scheme
- Clients requesting property inspections through the T2O Property Viewer Marketplace — renters, migrants, and investors
- Property Viewers and trainees enrolled at the Tenants Agent Institute (TAI)
- Mortgage brokers and referral partners
How We Manage Conflicts of Interest
Because T2O serves multiple client types, situations can arise where our duties to one client could come into tension with our duties to another. We identify those situations below and explain exactly how we manage them.
4.1 Rental Portal listings and paid renter clients
When a renter or migrant engages T2O's Relocation Assistance or Rental Finder service, T2O acts as their agent and owes a duty to find the best match for their stated criteria. A conflict arises if a property manager or landlord listing on the portal also has a paid commercial relationship with T2O, creating an incentive to favour that listing.
T2O will never charge property managers or landlords for search ranking, featured placement, or any form of priority visibility in renter search results. Listings are ordered solely by the renter's own search criteria. Paid tools for landlords and PMs are limited to operational features — analytics, listing management, bulk upload — that do not affect renter discovery.
4.2 T2O Partner badge — commercial integrity
The T2O Partner badge ('T2O Partner Agency' for property managers, 'T2O-Friendly Landlord' for private landlords) signals that a listing party has opted in to receiving applications from T2O-assisted renters, including migrants and relocating clients. It is a renter-benefit signal, not a commercial product.
The T2O Partner badge will never be made available for purchase. It is granted solely on the basis of the listing party's voluntary opt-in and T2O's manual review of their first listing. This policy is permanent and will not be changed without 30 days' prior notice on tenanttoowner.au.
4.3 Property management and renter or buyer clients
T2O may manage a landlord's property while simultaneously acting as agent for a renter seeking that property, or a buyer interested in purchasing it. This creates a dual-agency situation: T2O owes the landlord duties around vacancy and rent optimisation, while also owing the renter or buyer a duty to act in their best interests.
Where T2O identifies that a renter or buyer client is interested in a property T2O manages on behalf of a landlord, T2O will disclose this relationship to both parties in writing before proceeding. Either party may then choose to engage independent representation. T2O will not use information obtained in its capacity as property manager to disadvantage a renter or buyer client, nor vice versa.
4.4 Buyers Agency and T2O Invested Futures
T2O provides buyers agency services to owner occupiers and first home buyers. Separately, T2O operates the T2O Invested Futures shared equity scheme for deposit-gapped buyers. A conflict could arise if T2O's buyers agency advice was influenced by a desire to channel a buyer into the Invested Futures scheme — where T2O earns additional fees — rather than pursuing a standard purchase that better suits the client.
T2O Invested Futures is presented to buyers agency clients only as an optional alternative pathway, and only where the client has identified deposit access as a barrier. It is never a substitute for, or condition of, the buyers agency service. Clients are always advised to seek independent legal and financial advice before entering the scheme. T2O's buyers agency fee is not contingent on the client joining Invested Futures.
4.5 SMSF property advisory and property sales or management
T2O assists SMSF trustees and investors in identifying and acquiring investment properties. T2O may also manage those properties after purchase or list them on the portal. A conflict could arise if T2O recommended a property because it would generate a management fee or listing revenue for T2O, rather than because it was the best choice for the client's SMSF.
T2O's SMSF advisory service is based solely on the client's stated investment criteria. Where T2O has a commercial interest in a property being considered — for example, T2O manages it or has a referral arrangement with the vendor — T2O will disclose this interest in writing before providing any recommendation. Clients are always referred to a licensed financial adviser and SMSF specialist for compliance matters, as T2O does not hold an AFSL.
4.6 T2O Invested Futures — dual role disclosure
In the T2O Invested Futures scheme, T2O earns fees from both the buyer occupant and the investor. This is an acknowledged dual-client structure. T2O acts as the scheme operator and administrator, not as the exclusive agent of either party.
All fees earned from both parties are disclosed in full in the scheme documentation before any agreement is signed. Both the buyer occupant and the investor are required to obtain Independent Legal Advice (ILA) before entering the scheme. Neither party's confidential information is shared with the other without consent.
4.7 Private landlord listings and T2O Invested Futures
Private landlords who list on the portal are not investors in T2O Invested Futures. A conflict could arise if T2O used the listing relationship to solicit landlords into the scheme, or implied to renters that a private landlord's listing was a scheme-enrolled property.
The T2O Rental Portal and T2O Invested Futures are clearly presented as separate services. No property is listed as scheme-enrolled without the owner's express written consent. T2O positions itself to landlords as an alternative to active property management — not as a pathway to selling into or recruiting for the Invested Futures scheme.
4.8 Relocation Assistance and future Invested Futures referrals
T2O may earn fees from a relocation client as their paid agent, and may also later earn scheme fees if that same client enters T2O Invested Futures. A conflict could arise if T2O's relocation advice was influenced by the prospect of future scheme revenue.
Relocation Assistance is delivered entirely on the client's own stated criteria. T2O Invested Futures is introduced only as an optional future pathway and never as a condition of the relocation service. Clients are never directed toward scheme-enrolled properties unless those properties independently meet their search criteria.
Property Viewer Marketplace & Tenants Agent Institute
The T2O Property Viewer Marketplace connects renters, migrants, and investors with trained inspectors — called Property Viewers — who attend open homes and provide video walkthroughs and written reports. Property Viewers are trained and certified through the Tenants Agent Institute (TAI), a specialist real estate coaching platform operated by T2O. The three conflict scenarios below are specific to this service ecosystem.
5.1 Property Viewer serving both renter and investor clients
A Property Viewer may accept inspection jobs from renters and separately from investors, potentially attending inspections on the same or nearby properties on behalf of different paying clients. Because an investor inspection includes comparable sales data and yield analysis, a Viewer who holds information from both engagements could create an information asymmetry between the two clients.
Property Viewers are required to declare any concurrent inspection job on the same property to T2O before accepting the second engagement. T2O reserves the right to assign a different Viewer to avoid the overlap. Viewers are bound by a confidentiality obligation in their engagement agreement — findings and reports from one client's job may not be disclosed to, or used to inform, any other client's engagement.
5.2 TAI course revenue and Property Viewer certification standards
T2O earns revenue from TAI course fees charged to trainees, and separately earns a platform fee from every inspection job completed through the marketplace by those same graduates. A conflict could arise if T2O's certification standards — pass rates, assessment rigour, or course content — were influenced by the commercial pressure to maintain marketplace supply, resulting in Viewers being certified who do not meet the quality bar clients are paying for.
TAI's certification standards are set independently of marketplace supply targets. Pass or fail decisions are based solely on assessment outcomes, not on marketplace demand. T2O publishes its Property Viewer standards on the TAI platform so that inspection clients can understand what certification means. Client feedback on Viewer quality is tracked and used to review certifications where issues are identified — a Viewer's marketplace access can be suspended regardless of their TAI graduate status.
5.3 Property Viewer referral incentives and renter client interests
Property Viewers who meet renters or migrants during inspection jobs are part of the T2O ecosystem and may be eligible to earn a referral fee if those renters later enter the T2O Invested Futures scheme. A conflict arises if a Viewer actively promotes the T2O Invested Futures pathway to a renter whose circumstances don't make it appropriate, motivated by the referral fee rather than the renter's genuine interest.
Property Viewers are trained through TAI to introduce T2O Invested Futures as an informational pathway only — they are not permitted to provide advice on suitability, financial eligibility, or whether the scheme is appropriate for a specific renter. Any referral must be made through T2O's standard intake process, where suitability is assessed independently by T2O. Viewers who are found to have misrepresented the scheme or applied inappropriate pressure to renters will have their marketplace access suspended.
Our Commitment on Future Paid Plans
T2O intends to introduce optional paid plans for property managers and private landlords. The following principles are fixed and will govern those plans regardless of commercial pressure.
- Listing management tools — bulk upload, scheduling, editing
- Performance analytics — views, enquiry rates, time-to-lease
- Listing refresh and bump to 'recently added' date
- Branding and agency profile pages
- Search ranking or position manipulation
- Featured or sponsored placement in renter results
- The T2O Partner or T2O-Friendly Landlord badge
- Preferential referral of T2O's paid renter or buyer clients
These restrictions will be reflected in T2O's Terms of Service when paid plans are launched. T2O will notify all registered portal users of any material changes at least 30 days before they take effect.
Our Disclosure Obligations
T2O will disclose any material conflict of interest to affected parties before or at the time of entering a service agreement. All disclosures will be:
- Made in plain English, in writing
- Provided before any fee is paid or agreement is signed
- Repeated if the nature of the conflict changes during the engagement
Where a conflict cannot be adequately managed, T2O will decline to act for one or more of the affected parties and will advise them to seek independent assistance.
Your Rights as a Client
As a client of any T2O paid service, you have the right to:
- Ask T2O at any time whether it has a commercial relationship with any other party relevant to your transaction
- Request that T2O exclude from your search or recommendation any party with whom T2O has a commercial relationship, if you believe that creates a conflict
- Seek independent legal, financial, or property advice at any stage of your engagement with T2O
- Lodge a complaint if you believe T2O has not acted in your best interests
Complaints & Escalation
If you believe T2O has breached this policy or acted against your interests, you may contact us directly or escalate to an external body.
For disputes relating to estate agent conduct
T2O will acknowledge all complaints within 2 business days and respond substantively within 10 business days.
Policy Review
This document will be reviewed:
- Annually — next review June 2027
- Upon launch of any paid PM or landlord plans
- Upon any material change to T2O's service offering, fee structure, or client types
- Upon any change to the Estate Agents Act (Vic), Australian Consumer Law, or related licensing obligations
The current version is always available at tenanttoowner.au. Prior versions are available on request.