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: ~$500,000 (within 9 months)
  • Estimated Equity Uplift: ~$73,000
  • Market Rent Estimate: ~$500 per week
  • Indicative Yield (based on updated rent): ~6%
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 Buying, Simplified

Start Your Property
Journey Today...

Book A Call
FAQS

Have Any
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.
Contact
Book A Call
Melbourne, Australia
info@svgpropertyadvisory.com.au
HomeAboutBlogInvestment Property AcquisitionHome Buyer AcquisitionPrivacy PolicyTerms & Conditions
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.