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