Valerie Chan

【💡A Limited Budget Doesn’t Mean No Opportunity】

📈 With the property market still rising and the government’s 5% deposit scheme in place, properties under $1 million have become the hottest targets, competition is fierce.

👤 This local client wanted to seize the moment and purchase their first investment property. However, with a budget of only $720–730k, they had approached other buyer’s agents and were turned away, as many felt the budget was simply too tight.

🏠 In fact, the client’s requirements were very reasonable: a large block of land, three bedrooms, a brick house, older properties were perfectly fine. They had already spent a lot of time searching on their own, but the reality was clear, nothing suitable could be found.

👀 The client had been following my social media for some time and knew I had handled many “high-difficulty” cases. In the end, they decided to give it a try and entrusted me with the search. Over the next 3–4 weeks, we inspected properties intensively, analysed options, and submitted offers. We all understood that with this budget, a newer home was unrealistic. The client was even open to properties with easements or previous flood risks, which is always a big NO for me. Some other homes that we inspected were simply too rundown and not viable for rental purposes, so we ruled those out.

⚠️ During the process, we viewed a property in Kingston with a large but irregularly shaped block. Based on my experience and familiarity with the area, I knew the surrounding neighbourhood had more complex social issues, which could pose long-term risks for both investment and tenancy. Even though the client said they didn’t mind, I strongly advised against it, because investment decisions shouldn’t be based on price alone.

✨ Then came the turning point. Through my industry connections, we revisited a property the client had previously seen and really liked, but didn’t know how to make an offer on.

🏠 With the right strategy and negotiation, we successfully secured the property. Although the final price was about $20,000 above the original budget, the client gained a home with 👍 a better location, 👍 a regular-shaped block, 👍 a swimming pool, and 👍 stronger rental potential with a higher asking rent.

🎯 To me, success isn’t about helping a client buy the cheapest property, it’s about helping them secure the safest, most worthwhile, and most promising option within real-world constraints.

⭐ If you’ve ever been turned away because of budget limits, or felt the market was simply too hard to enter, perhaps you just haven’t met someone willing to go the extra mile for you.

【💡預算有限，不代表沒有機會】

📈樓市仍在上升，加上政府推出的5%首期計劃，$100萬以下的物業成為市場焦點，競爭異常激烈。

👤這位本地客人正正想把握時機入市，購入第一間投資物業。不過預算只有$72–73萬，也曾接觸過其他Buyer’s Agent，卻因預算太緊而被婉拒。

🏠其實客人的要求並不高，只希望有大塊土地、三房、磚屋，屋舊一點也不介意。他自己也花了不少時間睇樓，但結果很清楚，真的找不到合適的。

👀客人一直有留意我的社交平台，了解我處理過不少「難度高」的個案，最後決定交給我試一試。接手後，我們花了3至4星期密集睇樓、分析、出價。大家都很清楚，以這個預算不可能買到新屋，甚至對有easement、曾有水浸風險的物業也保持開放態度。但有些實在太殘舊、難以出租的，我們便不會考慮了。

⚠️期間看過一間Kingston的物業，土地雖大，但形狀不規則。我更熟悉該區，知道附近住戶背景複雜，長遠對投資及租務都有隱憂，即使客人表示不介意，我仍然建議放棄，畢竟，投資不能只看價錢。

✨轉機出現了。透過我在行內的人脈，我們重新接觸到一個客人之前已經很喜歡、卻「不知如何出價」的物業。

🏠在策略與談判配合下，最終成功買入。雖然成交價比原本預算高出約$2 萬，但換來的是一間👍位置更理想、👍土地四正、👍配備游泳池、👍租金叫價更高的投資屋。

🎯對我來說，成功不是「幫客人買到最平」，而是 在現實限制下，幫客人買到最值得、最安全、最有潛力的一間。

⭐如果你也曾因為預算被拒於門外，或覺得市場太難入手，
也許只是未遇到願意為你多走一步的人。