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The Victorian Property Investor Strategy Guide

Building a resilient portfolio through evidence-based acquisition and management.

Showing: First home buyer

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Chapter 1. Yield, Growth and Investment Objectives

The whole path, stage by stage

10 chapters written for investor in Victoria. Read them in order or jump to the stage you are in.

Start here

Get your bearings before anything else.

Chapter 1Yield, Growth and Investment ObjectivesDefining your financial goals and understanding the trade-off between rental income and capital appreciation in the Victorian context.

The money

Deposit, borrowing, duty and the real cost.

Chapter 2Investment Finance and Lender AssessmentHow banks evaluate investment loans and the specific requirements for Victorian investors.Chapter 8Tax, Depreciation and RecordsManaging the tax obligations and incentives for Victorian property investors.Chapter 9Land Tax and Victorian Holding CostsUnderstanding the unique Victorian taxes and charges that impact an investor's bottom line.

Search and inspect

Finding the right place and checking it properly.

Chapter 3Evidence-Based Market ResearchHow to use data and local Victorian insights to identify high-performing investment locations.Chapter 4Due Diligence for InvestorsSpecific checks and balances required to ensure an investment property is a viable and safe asset.

Offers and auctions

Negotiating and bidding without losing your head.

Chapter 5Offers and Auctions for InvestorsTactical approaches to purchasing Victorian property while maintaining an objective investment perspective.

Contracts and settlement

The paperwork and the handover.

Chapter 6Contracts and Existing TenanciesNavigating the legalities of Victorian property contracts and the complexities of buying tenanted properties.

After you move

Living with the decision and what comes next.

Chapter 7Property Management and AgentsSelecting and managing the relationship with a property manager to protect your Victorian asset.Chapter 10The Residential Tenancies ActNavigating the rights and responsibilities of being a landlord in Victoria.

Tools that match this situation

Yield, cash flow and land tax

Gross and net yield, weekly cash flow, and an indicative Victorian land tax figure.

Borrowing illustrator

See how income, commitments and rates change the size of a loan.

Stamp duty and upfront costs

Victorian duty with first home concessions and foreign purchaser additional duty, plus the other costs on settlement day.

Also free, no account needed

Readiness quiz

Fifteen questions scored for your situation.

Resource library

Official Victorian and federal sources, plus checklists.

Glossary

Every term explained in plain English.

Other situations

First home buyerBuying your first place in Victoria, from saving to settlement.Next home or upgradingSelling one home and buying another, often at the same time.DownsizingMoving to something smaller, simpler or easier to look after.Buying land or buildingChoosing a block, picking a builder and managing a build.Relocating to VictoriaBuying in Victoria from interstate or overseas.