Past Deals

Second-Time Investor, Mid-20s

Find out how we helped out this client secure their second property!
Book A Call
Details

Deal Breakdown

Client Snapshot
  • Age: Mid-20's
  • Experience: Second-time investor
  • Income: Typical full-time wage for a young professional
  • Goal: Build out a long-term portfolio, holding each property indefinitely without needing to sell
The Property
  • Purchase Price: $427,000
  • Rental Income at Purchase: $475 per week
  • Rental Yield at Purchase: ~5.8%
  • Purchase Date: February 2025
  • Strategy: Growth-focused - entering a market early in the cycle, with holding ability in mind
Performance Snapshot
  • Estimated Market Value: ~$450,000 (within 3 months)
  • Estimated Equity Uplift: ~$23,000
  • Market Rent Estimate: ~$475 per week (in line with actual)
  • Indicative Yield (based on updated rent): ~5.8%
Why This Deal Made Sense?

The client came to us as a relatively cautious second-time investor. Their first purchase was in a market approaching the end of its cycle, so while it was still seeing strong short-term growth, we knew that the upside from that property would likely slow within 12–18 months.

At the same time, borrowing capacity was tight, and there wasn’t much capital to work with, meaning any new purchase had to be carefully planned to preserve future lending options. This investor also had a long-term time horizon in mind and didn’t want to rely on having to sell this property at any point.

We worked with the client and their broker to get clarity on their financial position and understood that their next purchase would need to:

  • Fit a constrained budget and borrowing limit
  • Be low-risk and easy to hold
  • Contribute to total return in the short-to-medium term (to support the next purchase)
  • Be in a market earlier in the growth cycle

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 planning to sit tight for 12 months from purchase. During that time, we expect their borrowing position to improve, with potential equity available from both their first and second properties to support another acquisition.
Book A Call

🧐

Key Takeaways

This was a layered brief with multiple constraints: limited budget, limited borrowing, a risk-averse profile, and a goal to hold long term. It’s a good example of how we shape the brief based on the full context, then work backward to identify the right market and property type to support the client’s broader journey.
Contact Us
Property Investment Simplified

Start Your Property
Journey Today...

Book A Call
FAQS

Have Any
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.
Contact
Book A Call
Melbourne, Australia
info@svgpropertyadvisory.com.au
HomeAboutServices
Any information contained in this website is factual information only and does not take into account your objectives, financial situation or needs. Before acting on any information contained in this website, you should consider whether it is appropriate in light of your particular objectives, financial situation or needs.