Past Deals

High Income First-Time Investor, Mid-20s

Find out how we helped out this client secure their first property!
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Details

Deal Breakdown

Client Snapshot
  • Age: Mid-20's
  • Experience: First-time investor
  • Income: High income, strong servicing position
  • Goal: The client wanted to enter the market with a long-term, low-risk investment that could serve as a platform for future options, including purchasing principal place of residence (PPR) in Melbourne or an additional investment. They wanted a property they could hold indefinitely, run through multiple cycles, and potentially extract equity from within 12-14 months. We worked closely with both the client and their financial planner to ensure the purchase aligned with broader financial goals
The Property
  • Purchase Price: $701,000
  • Rental Income at Purchase: $750 per week (via a rent-back to the vendor)
  • Rental Yield at Purchase: ~5.56%
  • Purchase Date: November 2025
  • Strategy: Secure an early-in-cycle, low-risk, growth-focused property that strikes the right balance between long-term upside and short-term flexibility. The asset needed to be affordable enough to retain future borrowing power while still offering strong rental performance and potential for capital growth.
Performance Snapshot
  • Estimated Market Value: $790,000 (within 12 months)
  • Estimated Equity Uplift: ~$89,000
  • Market Rent Estimate: $800 per week
  • Indicative Yield (based on updated rent): 5.9%
Why This Deal Made Sense?

The client had a strong borrowing capacity, allowing them to purchase virtually any investment-grade asset. However, instead of maximising their spend, the brief prioritised flexibility, preserving both capital and borrowing power, and long-term growth potential.

Key factors that drove the strategy and outcome: 

  • Strong desire to hold long-term and run the asset through multiple market cycles
  • Comfort with not spending the full capacity, leaving room for either a PPR or a second investment shortly
  • Clear appetite for a low-maintenance, low-volatility asset with growth potential and strong rentability
  • Desire to diversify outside of Victoria, given their future PPR was planned for Melbourne

The decision was made to purchase in the $600k - $800k price bracket, a “sweet spot” range where the balance of yield, affordability and growth drivers offers significant upside with reduced downside exposure. Based on these requirements and market conditions at the time, an established property in Queensland was selected. The inputs and constraints helped shape a clear brief, which provided the lens through which we could assess the data, ultimately allowing us to identify the most appropriate market and asset for this client.

What's Next?
The client is currently reviewing their position and is likely to purchase as second investment property in 2025, potentially mid to late in the year, depending on how financial priorities evolve.
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Key Takeaways

This is a strong example of a high-income, first-time investor with substantial borrowing power using restraint and strategic clarity to secure a high-performing yet low-risk asset. Despite having access to the entire market, we helped the client prioritise long-term flexibility, diversification, and sensible risk management, resulting in a purchase that enhances their future options without compromising on performance.
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FAQS

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Questions?

For Home Buyers

01
How much deposit do I actually need?
It depends on your situation, but many first home buyers get in with a 5 to 10% deposit using government schemes like the First Home Guarantee, or a full 20% if you'd rather avoid Lenders Mortgage Insurance. These schemes are only available if you're buying to live in the property yourself, not as an investment. You may also be eligible for stamp duty concessions or the First Home Owner Grant depending on your state. We can connect you with a broker to map out exactly what's possible for you.
02
What if I'm not sure where I want to live?
That's normal, and it's part of what we help with. We work through lifestyle, commute, affordability and your future plans together, and turn that into a practical location strategy rather than a guess.
03
Isn't buying a home just about finding one I like?
Liking a property is only the start. What matters just as much is whether it's structurally sound, fairly priced, and free of legal or title issues that could cost you later. We handle that due diligence so a property you love doesn't turn into an expensive regret.
04
Will you tell me to walk away from a property?
Absolutely. Our job isn't to get you into a property as quickly as possible, it's to make sure the one you buy is actually right for you. If something doesn't stack up, we'll tell you before you commit.

For Investors

05
How much money do I need to start?
It depends on your situation, but most investors we work with start with $60K to $100K in savings. That usually covers your deposit, stamp duty, and a few upfront costs. You might need less if you're using a guarantor or have other finance options available. We can connect you with a broker to talk through what's possible. The main thing to know? You don't need a million dollar budget. We focus on affordable markets where your money goes further, so getting started is more achievable than most people realise.
06
Isn't property investing risky?
All investing carries risk, but the real question is whether you are taking the right risks for your goals. Property is just the tool, what matters is how it is used. That is why we focus on understanding your risk appetite and mapping out a strategy that aligns with your long-term outcomes. By carefully selecting markets, conducting thorough due diligence, and ensuring the numbers stack up, we minimise unnecessary risk and give you the best chance of success.
07
How do you know where to buy?
We use the SVG Property Blueprint, a data-driven system that assesses over 50 metrics to identify the best locations for investment. These metrics are weighted and scored based on the specific goals we establish with you early on. Essentially, we create a tailored filter that narrows down all suburbs using the lens of your established goals and outcomes, ensuring the selected locations best match your intended strategy.
08
What's stopping me from just doing this myself?
You can, but it takes time, expertise, and deep market knowledge. Most investors make costly mistakes by overpaying, buying in the wrong area, or overlooking key risks. We've done this before, and we know how to avoid the traps.
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Melbourne, Australia
info@svgpropertyadvisory.com.au
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