Ashley is a twenty-something property investor with a retirement plan



See more of Ashley's blog posts here.

Well G’Day. My name is Ashley Fallon and I am a property investor. I am a 25 year old single male from the town of Cessnock in beautiful Hunter Valley Wine Country. I have lived in Cessnock all my life and work for the local bus company as Operations Manager - a position I have been in for the past 5 ½ years.

Well I have been a fan of property investing from a young age. I have always liked the idea of buying a property and renting it out, and have now fulfilled this childhood dream.

At the moment, I have 4 investment properties. These are all houses around the Cessnock/Kurri Kurri area, which rent for between $310 to $360 per week. Overall my portfolio is negatively geared, however over time increasing rents will erode this.

I have always wanted to “build an empire” and I see property as a way of doing this. I am an avid saver, and am able to use this cash to invest further in property. Long term, I would like to be in a property related field full time, as I see working for the bus company as just a job, however property is really where my passion lies. Exactly what however, is a difficult question. I would like to try hands on like renovation, and also subdivision. Having said that, I have already had dealings with project builders which I didn’t find too painful.

Where to from here you might be wondering? Well the last property I purchased was July 2011, so I am a little over 12 months since my last purchase. I am keen to expand, but am unsure in which direction to head. I am currently tossing up between buying a property that I can renovate and increase yield/value, vs buying a property that I can construct a granny flat on to provide superior yields. Both have their pros and cons and I am still undecided as in which path to take.

Ashley Fallon updates us on his property adventures Finally, let me tell you about my experience with property investing thus far. Well, overall very good. I have an expert team, who help, guide and provide excellent advice on managing the various problems/issues that come up from time to time. I haven’t had any serious problems thus far, only basics like maintenance on some properties. I have had to evict one group of tenants (because of being behind in the rent) however this was managed professionally by the managing agent, and I was not left out of pocket, despite minor damage to the property by the tenant.

Well I hope you found the above somewhat Interesting and helpful, I look forward to any feedback/questions you may have. Cheers Ashley.

Can you afford to buy in this suburb? Find out how much you can borrow


Twenty five year old Ashley Fallon is new to investing but it’s already clearly his life’s passion. A native of NSW’s Hunter Valley region, he’s already amassed a portfolio of four properties and now that more than a year has passed since his last purchase, he says he is now ready to pull the trigger again. He hopes to quit his day job as an operations manager for a local bus company, and roll into property full time.

Top Suburbs : sunshine , west wodonga , redcliffe , ropes crossing , coburg north

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  • John Walsh says on 13/08/2013 09:24:58 AM

    Hi Ashley.

    Have you looked into the possibility of converting your negatively geared properties to positively geared? There are a couple of strategies.

  • Shane says on 25/01/2014 02:32:19 AM

    Hi Ashley,
    What do you mean by you have a great team?

  • Pauline says on 28/01/2014 04:07:38 PM

    Hi Ashley you have done very well for a 25 yr old. My advice to you is to buy in another state for diversification and to avoid land tax which you must be close to incurring with 4 in NSW

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