Mindset Property

Up at 6am. Working with up to eight clients at once. Looking at 50 to 100 properties before recommending one. Checking messages on weekends. Finding a property in as fast as four days.

This is what the job actually looks like behind the scenes.

A few things people are always surprised by. We talk clients out of buying all the time because the right property has to be right, not just available. And yes, I have fired a client before, because they were not ready to invest and pushing forward would not have been in their best interest.

The process only works when both sides are genuinely committed.

What part of this surprised you the most? Drop it in the comments.

I bought my first investment property at 23 for $365,000. I told nobody. My biggest fear was judgment and people telling me I shouldn't be doing it.

It took five to six years of saving across three jobs to get the deposit together. Since then I have bought six properties across five states. My best performer was a Queensland property I picked up for $255,000 that is now worth over $700,000.

It has not all been smooth. I have copped repair bills totalling close to $25,000 at one point, which was the most stressful moment of my investing journey.

Would I do it all again? 100 percent.

What question from this video surprised you the most? Drop it in the comments.

If you are looking to invest in the Melbourne property market. These are the markets I would be avoiding.

Nobody in my family talked about money growing up. Nobody around me invested. I heard the word investing for the first time in my early 20s, just before I started my government role.

My first big purchase was a Game Boy game. My money mindset back then was simple — work, save, buy a home. That was the entire plan.

What I did not know yet was that saving alone was never going to build real wealth. It took getting into government, seeing colleagues with decades of service walk away with nothing built outside their job, and deciding I was not going to end up the same way.

Most people who build something significant start from zero financial education. The starting point is not where you come from. It is the decision you make from here.

Drop your answer in the comments — did your family talk about money growing up?

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Where are we buying for our clients right now? 👀

Honestly, it depends on the client — but if you want the short answer, we’re seeing some ripper opportunities across regional Victoria, Tasmania and Adelaide right now. Solid rental yields, prices that haven’t run away yet, and the right fundamentals for the next 5-10 years.

But here’s the thing — the “best” location for you depends on your goals, your budget, and your borrowing capacity. What works for a first-time investor on $90k might be totally wrong for someone using their SMSF.

Want to know where YOU should be looking?

Book a free strategy call (link in bio) and we’ll map it out together.

Your government job is not your wealth strategy. It is your foundation.

I am Peter Theodoru and I spent over eight years working in government. On a government salary I built a property portfolio worth over $4 million. As a government worker you have one of the strongest borrowing profiles in Australia. Permanent income and job security are exactly what lenders want to see.

My clients Rowena and Jonah used that same foundation. Their off-market property grew by over $200,000 in just 18 months. Not from a pay rise. Not from a promotion. Not from waiting on the next EB agreement.

Ask yourself this. If your government salary disappeared tomorrow, what would your financial future actually look like?

Tag a government worker in your life who needs to hear this.

Your government job was never supposed to be your wealth strategy. It was supposed to be your foundation.

Stable income. Secure employment. A borrowing profile that every lender in Australia wants to see. I used that foundation to build a property portfolio across five states worth over $4 million.

My clients Rowena and Jonah bought off-market and saw over $200,000 in growth in just 18 months. Kate and Tom purchased in Victoria for $610,000 and comparable sales on the same street were already hitting the high $600,000s within months. Neither couple waited for rates to fall or conditions to be perfect. They just moved.

If you are a government worker, the foundation has been there a long time. Change is only one conversation away.

Comment the word READY and I will send you the government worker property readiness checklist.

Everyone’s sleeping on Victoria right now.

While Brisbane and Perth get all the attention, smart property investors are quietly picking up properties across Melbourne and regional Victoria.