Show Notes
How does a 22-year-old from regional Victoria build a property portfolio while working two jobs and earning a normal salary? In this episode of the Australian Property Investment Podcast, Aaron sits down with Harley Giddings, a mortgage broker and property investor who has built a multi-property portfolio before the age of 25. No trust fund. No six-figure salary. Just strategy, discipline, and smart property investing. Harley shares exactly how young Australians can still enter the property market, even during a housing affordability crisis. If you’re wondering how to buy your first investment property, build a property portfolio, or invest in real estate in Australia, this episode breaks down the strategy step-by-step. • How Harley bought his first investment property at 22 • How he built a property portfolio worth over $2M in his 20s • The biggest mistakes young property investors make • Why income isn’t the biggest barrier to investing in property • The role of mortgage brokers and property strategy • How to structure your loans to keep buying property • The power of compound growth and leverage in real estate • How guarantor loans can help first home buyers enter the market sooner • Why financial discipline and budgeting matter more than income • The mindset required to build wealth through property in Australia Harley proves that building a property portfolio isn’t just for high earners or people with wealthy parents. Growing up in regional Victoria, he worked two jobs, including shifts at a BP service station, saved aggressively, educated himself through books and podcasts, and invested strategically. His message is simple: “I’m not special. If I can do it, other young Australians can too.”
Harley Giddings is a mortgage broker and property investor who shares practical advice on property investing, finance, and wealth building through his platform Property With Harley. His goal is to help young Australians realise that buying property and building wealth is still possible with the right strategy. New episodes are released every Monday at 7am. If you enjoyed this episode: 👍 Like the video 📩 Share it with someone who wants to buy property 🔔 Subscribe for weekly property investing insights Book a strategy session with the team at Atelier Wealth 👉 https://atelierwealth.com.au Instagram: Property With Harley TikTok: Property With Harley
00:00 – Worst mistakes young property buyers make 01:08 – Building a property portfolio before 25 03:39 – Growing up in regional Victoria 07:04 – Why he started investing at a young age 09:54 – Buying his first investment property at 22 14:18 – How one property can change your financial future 18:20 – Property strategy vs buying randomly 31:33 – Advice for young investors starting today 42:08 – The truth about getting into the property market 46:37 – Real costs of owning investment properties 50:41 – Rapid-fire questions for young investors
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