Investment Property Case Study – How did Newcastle Knights Cheerleader Tania Smith Buy 3 houses Before She Was 30?

Investment Property Case Study – How did Newcastle Knights Cheerleader Tania Smith Buy 3 houses Before She Was 30?

When 30-year-old Newcastle Knights cheerleader Tania Smith told us she’d built a portfolio of 3 properties before the age of 30 we were impressed.

When Tania told us she was getting rental returns of over 30% in the Hunter Valley region during the GFC we knew we had to bring her unique story to Pumped on Property.

When asked the following investment property case study questions, Tania’s experience came shining through.

How many properties do you own? How much did you pay for them? What are they worth now?

I own 3 properties:

  • A 4-bedroom house on 5 acres in QLD, which was purchased for $265,000 in 2005 and is now worth $360,000.
  • Two, 3-bedroom houses in NSW, which were purchased for $420,000 in 2012 and are now worth $500,000.

Tell us about your first property? 

We purchased our first house when we were 21. At the time we saved our deposit over 6 months while we rented.

After living in the house for three years we moved interstate and rented the house out.

6 years later the original tenants are still in the house, which we still run slightly negatively geared, intentionally.

What made you buy your second and third investment properties? 

In 2012 an opportunity to buy a block of land, with 2 x 3 bedroom houses, in the middle of Singleton arose (Singleton is a mining, tourist and vineyard driven community within the Hunter Valley region).

We picked up the two houses at a steal, after they had been sitting on the market for nearly two years.

After doing some cosmetic renovations we were lucky enough to strike a deal with some local miners, which generated a rental return of 30% p.a. for nearly two years.

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What is your personal investment strategy? 

We are looking to build a property portfolio based on a combination of high growth and high cash flow properties.

Knowing what you know now what would you do differently? 

Hindsight is a wonderful thing. Like any investor I now look back and can see the deals that I missed which would have set me up with the choice to be working by age 30.

That said I think young investors should purchase their first homes as soon as possible and use the equity to buy again and again.

Buying property has taught us a lot about what’s really important to us in life.

What is the biggest challenge you’ve faced?

Balancing business commitments with property investing and making the most out of our equity.

What are your plans for the future? 

  • We hope to sell our QLD house to free up some equity.
  • It would also be nice to jump on the development wagon in our local area. The fact that I work for a local builder means it would be easy to begin building investment houses in some of the new estates coming on board in the Hunter region.
  • I also have plans for a commercial investment in the next couple of years.

What are the major legal, finance and accounting tips you have learnt along the way? 

  • Don’t settle for ‘NO’.
  • Where there is a will, there’s a way.
  • Find a good mortgage broker who will go out and bat for you.
  • Find a great accountant who has experience in managing property investors and make sure they know how to structure your investments to work for you.

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Ben Everingham


Ben founded Pumped On Property after building a multi-million dollar property portfolio over a 5 year period. His mission is to show you how to replace your income through property investing so you can do what you love…full time.