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: $701,00
  • 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: $780,000 (within 6 months)
  • Estimated Equity Uplift: ~$79,000
  • Market Rent Estimate: $800 per week
  • Indicative Yield (based on updated rent): 5.94%
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?

01
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.
02
What if I can't afford to buy where I live?
You don't have to limit yourself to your local market. In fact, some of the best investments aren’t close to home. We assess over 15,000 suburbs across Australia to find properties that fit your situation and investment strategy. Often, more affordable options elsewhere deliver strong capital growth and cash flow. We tailor your investment plan to align with your financial goals and circumstances so you can invest smartly, even if you can't afford to buy where you live.
03
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 unecessary risk and give you the best chance of success.
04
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.
05
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.
06
What if I can't afford to buy again after my first property?
We work with you to ensure your first purchase aligns with your long-term goals, considering factors like cash flow, lending capacity, and future borrowing potential. While we don’t provide financial advice, we take these elements into account when shaping your strategy and property selection. If building a portfolio is your goal, we help structure your investment approach in a way that keeps future purchases within reach, in collaboration with your broker or finance professional.
07
What happens after I buy my first property?
We help you plan the next steps. Your first property is just the start. We stay in touch and monitor how it’s tracking relative to your initial plan. When the time is right, we’ll prompt you on potential next steps, whether that’s leveraging equity, refinancing, or making your next purchase. Our goal is to ensure you stay on track to build your portfolio strategically.
08
How do I know if I'm ready to invest?
If you have a stable income, a deposit, and want to build long-term wealth, you’re probably ready. The biggest mistake people make? Waiting too long and missing opportunities.
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Melbourne, Australia
info@svgpropertyadvisory.com.au
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