Villas and boutique units in the $200,000 to $550,000 range. Smaller deposit, smaller loan, same suburbs we'd pick for any client.
Villas and units in this range mean smaller deposits, smaller loans, and earlier entry. You don't have to wait three years to save another $50k before you start compounding.
Smaller loan, lower repayments, less holding pressure. You can keep the property through cycles without it eating into your lifestyle, and your serviceability stays intact for the next purchase.
From around $50k all-in you can cover a standard $200k unit on a 10% deposit, including all fees. You enter strong markets earlier, with capital you actually have, and start compounding sooner instead of betting everything on one large purchase later.
"Just purchased our first investment property through FSA. They made what can be a stressful process as seamless as possible."
"We couldn't be happier with our experience with the FSA team. They exceeded all our expectations."
"I highly recommend the team at FSA. Knowledgeable, engaging and so helpful."
"What an amazing experience. The angst about my property journey was put right at ease working with Fresh Start."
Same two questions, same answer process. Smaller price point doesn't mean weaker selection.
There are thousands of markets in this country and they're all moving at different speeds, in different directions, at any given time.
Different markets work for different goals. Some are best for rental yield. Some are best for capital growth. Some suit houses on big land. Some suit villas, units, or townhouses on a body corp.
Our job is to understand what you are actually trying to achieve first. Then take you to the market that delivers it. Not the other way around.
Established villas, units, townhouses, and duplex halves. Anything sitting on a body corp. We don't touch new builds or off-the-plan. They're inconsistent, prone to supply dumps, and rarely deliver the same growth as quality established assets. Sticking to established stock lets us go to markets that are already strong performers, in supply-constrained pockets where rental demand is consistent.
Small-complex, freestanding feel.
Older blocks in tightly-held suburbs.
Established only, never off-the-plan.
Half-share of a duplex, full title.
Smaller doesn't mean weaker. Different price tier, same data, same scrutiny. Here's why the maths works in your favour.
Units and villas in this range let you enter strong markets with a smaller deposit and loan. That improves accessibility, reduces overall risk exposure, and gets you into the market years earlier than waiting to afford houses.
Lower price means lower repayments. That reduces holding pressure, improves your borrowing capacity for the next purchase, and makes long-term holding sustainable without depending on rapid growth.
Well-selected villas and boutique units in supply-constrained suburbs see consistent tenant demand. Established locations with limited new supply mean stable rent and lower vacancy than apartment towers.
Smaller assets let you diversify across markets sooner. Instead of putting everything into one expensive property, you build a portfolio across multiple suburbs. Lower concentration risk, more compounding paths.
Four structural advantages most first-time investors miss. Lower price, faster entry, easier holding, smarter portfolio mechanics.
Seven steps. We handle every moving part end to end. You always know what's next, who's doing what, and where things stand.
A free consultation. We discuss your investment goals and outline a tailored strategy to confirm we're the right fit.
If we're aligned, we send the agreement covering services, fees, and the guarantees that protect you.
You meet the team. We build your detailed game plan: target markets, strategy, criteria, and hold horizon.
We source properties that fit your criteria, on and off-market. Established stock only. Most of our best opportunities come from relationships, not listings.
When a property ticks every box, we present it with full data: comparable sales, rental projections, growth expectations, and a finance guide.
We negotiate using our reports as leverage. Once under contract: we book your pest and building inspection, manage any contract changes, send signed contracts and rental appraisals to your broker, and introduce you to a conveyancer and property managers.
Final inspection, settlement, tenant placement. Post-settlement: ongoing rent reviews, regular portfolio check-ins, and support as your portfolio grows.
"The Fresh Start team were extremely knowledgeable, responsive and available when needed."
"Team at FSA are simply awesome. Thorough knowledge of the property market and a great vendor ecosystem."
"Got in touch on a Thursday. By Monday they had organised my pre-approval. Can't thank these guys enough."
"My first house purchase with my partner. These guys made it incredibly easy and stress free."
You don't pay the full fee upfront. A $5,500 deposit gets us moving and sourcing immediately. The balance is paid only when we go under contract on your property, not at settlement. So if you go Silver at $15,500, that's $5,500 to start and $10,000 when we go under contract. If you go 2x Silver at $28,000, that's $5,500 to start and $22,500 when we go under contract on your first property.
If we don't deliver, you don't carry the cost. We do. These are legal commitments, not marketing.
If your property doesn't grow by at least 10% in the first 12 months after settlement, we send $25,000 directly to your bank account.
Your property is tenanted within the first 30 days. If it isn't, we personally cover the rent until it is. Your cash flow is protected from day one.
From the moment we present your first property, you have 7 days to decide. If you don't want to move forward for any reason, you walk away with your full deposit refunded.
"Just purchased our first investment property through FSA. They made what can be a stressful process as seamless as possible."
"We couldn't be happier with our experience with the FSA team. They exceeded all our expectations."
"I highly recommend the team at FSA. Knowledgeable, engaging and so helpful."
"What an amazing experience. The angst about my property journey was put right at ease working with Fresh Start."
The two questions that decide everything. The answers to both are more flexible than most people think.
There are thousands of markets in this country and they're all moving at different speeds, in different directions, at any given time.
Different markets work for different goals. Some are best for rental yield. Some are best for capital growth. Some suit commercial. Some suit houses on big land. Some suit villas or units.
Our job is to understand what you are actually trying to achieve first. Then take you to the market that delivers it. Not the other way around.
We'll buy almost anything, but only established property. We don't touch new builds or off-the-plan. They're inconsistent, prone to supply dumps, and rarely deliver the same growth as quality established assets. Sticking to established property lets us go to markets that are already strong performers and hand-pick the asset that gives the best return for your money.
Big focus on land.
Multiple income streams under one title.
Second income stream on the same title.
Renovation, subdivision, or strategic uplift.
Strong results aren't the goal. Consistent results are. Here's how a $600,000 property compounds over three years at our average return, vs the Australian average of 6%.
Seven steps. We handle every moving part end to end. You always know what's next, who's doing what, and where things stand.
A free consultation. We discuss your investment goals and outline a tailored strategy to confirm we're the right fit.
If we're aligned, we send the agreement covering services, fees, and the guarantees that protect you.
You meet the team. We build your detailed game plan: target markets, strategy, criteria, and hold horizon.
We source properties that fit your criteria, on and off-market. Established stock only. Most of our best opportunities come from relationships, not listings.
When a property ticks every box, we present it with full data: comparable sales, rental projections, growth expectations, and a finance guide.
We negotiate using our reports as leverage. Once under contract: we book your pest and building inspection, manage any contract changes, send signed contracts and rental appraisals to your broker, and introduce you to a conveyancer and property managers.
Final inspection, settlement, tenant placement. Post-settlement: ongoing rent reviews, regular portfolio check-ins, and support as your portfolio grows.
"The Fresh Start team were extremely knowledgeable, responsive and available when needed."
"Team at FSA are simply awesome. Thorough knowledge of the property market and a great vendor ecosystem."
"Got in touch on a Thursday. By Monday they had organised my pre-approval. Can't thank these guys enough."
"My first house purchase with my partner. These guys made it incredibly easy and stress free."
You don't pay the full fee upfront. A $7,500 deposit gets us moving and sourcing immediately. The balance is paid only when we go under contract on your property, not at settlement. So if Gold is $17,500, that's $7,500 to start and $10,000 when we go under contract.
An established house with a second dwelling built at the rear. Combined rent covers the full mortgage, so the property costs you nothing to hold each month. And you keep buying.
Once the granny flat is complete, the combined rent from both dwellings covers the full mortgage repayment. Calculated at a 6.5% interest only rate on a 20% deposit. Excludes property management, insurance, land tax and water.
Your property is tenanted within the first 30 days. If it isn't, we personally cover the rent until it is. Your cashflow is protected from day one.
From the moment we present your first property, you have 7 days to decide. If you don't want to move forward for any reason, you walk away with your full deposit refunded.
"Just purchased our first investment property through FSA. They made what can be a stressful process as seamless as possible."
"We couldn't be happier with our experience with the FSA team. They exceeded all our expectations."
"I highly recommend the team at FSA. Knowledgeable, engaging and so helpful."
"What an amazing experience. The angst about my property journey was put right at ease working with Fresh Start."
Same selection discipline as every FSA purchase. One extra requirement: the block has to earn a second dwelling.
There are thousands of markets in this country and they're all moving at different speeds, in different directions, at any given time.
Different markets work for different goals. Some are best for rental yield. Some are best for capital growth. For this strategy we need both: a high-growth market and a block that supports a second dwelling at the rear.
Our job is to understand what you are actually trying to achieve first. Then take you to the market that delivers it. Not the other way around.
An established house on a large block in a high-growth market, with enough room at the rear to add a granny flat. Approval for the granny flat is confirmed before the property is ever recommended to you. The build is funded separately through your broker, so our fee stays the same and the numbers stay clean.
The foundation asset. Big land component in a high-growth market.
A $200k to $270k build that adds a second rent stream on the same title.
Size, access and layout all have to qualify before we shortlist it.
Granny flat approval is verified before the property reaches you. No guesswork.
We ran this on our own portfolio before we ever offered it to a client. Here's why the numbers work.
Once the granny flat is complete, rent from the main house plus rent from the second dwelling covers the full mortgage repayment. Zero out of pocket each month. Your lifestyle doesn't fund the property. The property funds itself.
Because the property costs you nothing to hold, your serviceability stays intact. Structured correctly, that protects your borrowing power so you can go again and buy the next asset instead of being parked for years.
You're still buying a house with a big land component in a high-growth market. The second dwelling adds income without giving up the thing that drives long-term growth: land.
We built granny flats on our own properties before offering this to clients. Around $500 a week in extra rent from a $250k build. We were the test dummies, so you don't have to be.
Wealth through property without your lifestyle carrying the cost, and without giving up the next purchase.
Seven steps. We handle every moving part end to end. You always know what's next, who's doing what, and where things stand.
A free consultation. We discuss your investment goals and outline a tailored strategy to confirm we're the right fit.
If we're aligned, we send the agreement covering services, fees, and the guarantees that protect you.
You meet the team. We build your detailed game plan: target markets, strategy, criteria, and hold horizon.
We source houses that fit your criteria, on and off-market. For this strategy the block has to qualify too: size, access and granny flat approval, confirmed before we ever present the property to you.
When a property ticks every box, we present it with full data: comparable sales, rental projections for both dwellings, build cost guidance, growth expectations, and a finance guide.
We negotiate using our reports as leverage. Once under contract: we book your pest and building inspection, manage any contract changes, send signed contracts and rental appraisals to your broker, and introduce you to a conveyancer and property managers.
Final inspection, settlement, tenant placement. Then the granny flat build gets underway, funded through your broker and running on its own timeline. Post-settlement: ongoing rent reviews, regular portfolio check-ins, and support as your portfolio grows.
"The Fresh Start team were extremely knowledgeable, responsive and available when needed."
"Team at FSA are simply awesome. Thorough knowledge of the property market and a great vendor ecosystem."
"Got in touch on a Thursday. By Monday they had organised my pre-approval. Can't thank these guys enough."
"My first house purchase with my partner. These guys made it incredibly easy and stress free."
That covers the 20% deposit, stamp duty and the FSA fee on a $600k+ property. The granny flat build is funded separately through your broker, so you'll need the borrowing capacity to service both loans: roughly $800k+ combined across the property and the build.
You don't pay the full fee upfront. A $7,500 deposit gets us moving and sourcing immediately. The balance is paid only when we go under contract on your property, not at settlement. So if Platinum is $19,500, that's $7,500 to start and $12,000 when we go under contract.
Triplexes, 4-plexes and blocks of units in the $700k to $1.2M range. Multiple rent streams under one title, cashflow positive from day one.
A minimum of three doors under one title. The combined rent means the portfolio is cashflow positive from day one, without juggling multiple properties, loans and settlements.
A $30k renovation per unit across a 4-plex is $120k in spend that can drive $200k to $300k in value uplift. And the rent rises on every single door at the same time.
From both a cashflow and a growth perspective, done correctly this is the most powerful strategy FSA runs. One negotiation, one settlement, multiple incomes.
"Just purchased our first investment property through FSA. They made what can be a stressful process as seamless as possible."
"We couldn't be happier with our experience with the FSA team. They exceeded all our expectations."
"I highly recommend the team at FSA. Knowledgeable, engaging and so helpful."
"What an amazing experience. The angst about my property journey was put right at ease working with Fresh Start."
Same selection discipline as every FSA purchase. The difference here is scale: every asset has at least three incomes attached.
There are thousands of markets in this country and they're all moving at different speeds, in different directions, at any given time.
Different markets work for different goals. Some are best for rental yield. Some are best for capital growth. Multi-dwelling assets need markets with deep rental demand, where three or more tenancies on one block stay full.
Our job is to understand what you are actually trying to achieve first. Then take you to the market that delivers it. Not the other way around.
Triplexes, 4-plexes and small blocks of units, always with a minimum of three doors under one title, always established stock. Where it adds value, we coordinate a full renovation across every dwelling to lift rents and manufacture equity: $20k to $30k per unit, funded by you, run by us.
Three doors, three rents, one title.
Four doors under one roof line, one settlement.
Small established blocks, often under-rented at purchase.
$20k to $30k per unit, coordinated by FSA across every door.
Maximum income from a single asset, and honest answers on why it carries one guarantee instead of three.
Say each door rents for $400 a week. That's $1,200 a week coming in against a single repayment, one loan and one set of purchase costs. The asset holds itself up and pays you from the first week.
A large share of the multi-dwelling assets we buy are under-rented at the time of purchase. That's great buying: we secure the asset cheaper, and as each lease runs out the rent moves up to market. Built-in upside from day one.
Kitchens, bathrooms, flooring, paint. We stage the works one dwelling at a time, so the other doors keep paying rent while each one gets its uplift and re-lets at the new market rate.
With three or more tenancies turning over in the first year, promising "cashflow neutral in 12 months" or "every door rented in 30 days" would force us to skip the best buys, especially under-rented ones. So this strategy carries one guarantee: 7 days to walk away after we present your first property.
The highest leverage strategy FSA offers, from both a cashflow and a growth perspective, when it's done correctly.
Seven steps. We handle every moving part end to end. You always know what's next, who's doing what, and where things stand.
A free consultation. We discuss your investment goals and outline a tailored strategy to confirm we're the right fit.
If we're aligned, we send the agreement covering services, fees, and the guarantees that protect you.
You meet the team. We build your detailed game plan: target markets, strategy, criteria, and hold horizon.
We source triplexes, 4-plexes and blocks of units that fit your criteria, on and off-market. Minimum three doors, established stock only. The best of these rarely hit a listing portal.
When a property ticks every box, we present it with full data: comparable sales, per-door rental projections, current versus market rents, renovation scope if there is one, and a finance guide.
We negotiate using our reports as leverage. Once under contract: we book your pest and building inspection, manage any contract changes, send signed contracts and rental appraisals to your broker, and introduce you to a conveyancer and property managers.
Final inspection, settlement, tenant placement. If you've taken the renovation option, we coordinate it across every dwelling. Post-settlement: ongoing rent reviews, regular portfolio check-ins, and support as your portfolio grows.
"The Fresh Start team were extremely knowledgeable, responsive and available when needed."
"Team at FSA are simply awesome. Thorough knowledge of the property market and a great vendor ecosystem."
"Got in touch on a Thursday. By Monday they had organised my pre-approval. Can't thank these guys enough."
"My first house purchase with my partner. These guys made it incredibly easy and stress free."
That covers the 20% deposit, stamp duty and fees on a multi-dwelling asset. Allow another $80k to $120k if you take the full renovation across all dwellings. You'll also need borrowing capacity of at least $900k.
From the time we present your first property, you have 7 days to walk away with your full deposit refunded. No questions asked. It's the one guarantee on this strategy, and that's deliberate: we won't skip the best multi-dwelling buys, under-rented assets especially, just to protect a marketing promise.
You don't pay the full fee upfront. A $7,500 deposit gets us moving and sourcing immediately. The balance is paid only when we go under contract on your property, not at settlement. So if Emerald is $22,500, that's $7,500 to start and $15,000 when we go under contract.
Commercial property is what residential investors graduate to when they want their portfolio to actually pay them back.
Quality industrial, medical, and daycare assets routinely return 6 to 8% net to the owner. Not gross. Net. Residential investors are lucky to see 3% gross before holding costs.
Commercial leases are legal contracts, typically locked in for 1 to 10 years with annual CPI or fixed percentage increases. Vacancy becomes a once-a-decade event, not an annual coin flip.
In most commercial leases (called net leases) the tenant covers the outgoings. Your headline yield is genuinely close to your net yield. It's a structural advantage residential investors simply do not have.
"Just purchased our first investment property through FSA. They made what can be a stressful process as seamless as possible."
"We couldn't be happier with our experience with the FSA team. They exceeded all our expectations."
"I highly recommend the team at FSA. Knowledgeable, engaging and so helpful."
"What an amazing experience. The angst about my property journey was put right at ease working with Fresh Start."
The two questions that decide everything. We buy anywhere in Australia, in the asset classes the smart money is already loading into.
There are thousands of markets in this country and they're all moving at different speeds, in different directions, at any given time.
Different markets work for different goals. Some are best for rental yield. Some are best for capital growth. Some suit commercial. Some suit houses on big land. Some suit villas or units.
Our job is to understand what you are actually trying to achieve first. Then take you to the market that delivers it. Not the other way around.
We focus on commercial assets with long lease terms. The four categories below cover the bulk of what we source. We don't touch off-the-plan, speculative developments, or anything without a real income story.
Warehouses, logistics, light manufacturing.
Clinics, day surgeries, allied health.
Long leases, government-subsidised.
Storage, service stations, retail.
These aren't strategy preferences or our opinion. They're features built into the asset class. The reason institutional money has been quietly loading up on commercial for a decade.
Commercial assets typically deliver 6 to 8%+ net yields depending on asset class and location. This stronger income profile improves serviceability, reduces holding risk, and lets portfolios scale faster without relying on speculative capital growth.
Commercial property income is governed by legally binding leases, often 1 to 10 years with fixed annual increases or CPI-linked reviews. This creates predictable cash flow, lower vacancy volatility, and far greater income certainty than residential where leases reset every 6 to 12 months.
In most commercial assets, tenants pay the majority of outgoings including council rates, insurance, and maintenance. This shifts inflation risk away from the investor and protects net income during periods of rising costs. A structural advantage residential investors simply do not have.
Commercial property values are determined by income, not owner-occupier demand. This lets investors actively manufacture growth through rent increases, lease restructuring, and improved tenant quality. Capital growth becomes a controllable outcome rather than a passive hope.
Four structural advantages residential will never give you. Stack them and the asset class explains itself.
Seven steps. We handle every moving part end to end. You always know what's next, who's doing what, and where things stand.
A free consultation. We discuss your investment goals and outline a tailored strategy to confirm we're the right fit.
If we're aligned, we send the agreement covering services, fees, and the guarantees that protect you.
You meet the team. We build your detailed game plan: target markets, strategy, criteria, and hold horizon.
We source properties that fit your criteria, on and off-market. Established stock only. Most of our best opportunities come from relationships, not listings.
When a property ticks every box, we present it with full data: comparable sales, rental projections, growth expectations, and a finance guide.
We negotiate using our reports as leverage. Once under contract: we book your pest and building inspection, manage any contract changes, send signed contracts and rental appraisals to your broker, and introduce you to a conveyancer and property managers.
Final inspection, settlement, tenant placement. Post-settlement: ongoing rent reviews, regular portfolio check-ins, and support as your portfolio grows.
"The Fresh Start team were extremely knowledgeable, responsive and available when needed."
"Team at FSA are simply awesome. Thorough knowledge of the property market and a great vendor ecosystem."
"Got in touch on a Thursday. By Monday they had organised my pre-approval. Can't thank these guys enough."
"My first house purchase with my partner. These guys made it incredibly easy and stress free."
From the time we present your first property, you have 7 days to walk away with your full deposit refunded. No questions asked. We earn the engagement by showing you a property worth buying.
You don't pay the full fee upfront. A $10,000 deposit gets us moving and sourcing immediately. The balance is paid only when we go under contract on your property, not at settlement. So if you buy a $2M industrial unit, your fee is $35,000 (1.75%): $10,000 to start and $25,000 when we go under contract.