Vicky Whittaker Buyers Advocate

Vicky Whittaker Buyers Advocate Experienced Buyers Advocates with a passion for property. Sourcing property for you in the Geelong and Surf Coast area.

We will Complete research and negotiate on your behalf to achieve the best outcomes.

Another rate rise. Another reason for buyers to hit pause.But a headline from the RBA shouldn't make the decision for yo...
30/09/2026

Another rate rise. Another reason for buyers to hit pause.

But a headline from the RBA shouldn't make the decision for you.

What matters is what the change means for your own position.

Can your finances comfortably handle the repayments?
Has your borrowing capacity changed?
Does your budget still make sense?
And, importantly, are you actually finding properties that represent good value?

A changing market can create a different buying environment. When some buyers step back, competition can shift — but that only matters when you're financially ready and the property itself stacks up.

You don't need to predict the next rate move.
You need to make a sound decision with the information in front of you.

That’s where good buying decisions start.

24/09/2026

There’s a lot of excitement around finding an off-market property, but experienced home buyers and property investors know that access is only one part of the equation. The real question is whether the property, location, comparable sales and price actually make sense for your goals.

As a Geelong buyer’s advocate, I regularly hear about properties before they reach the major property portals through strong relationships with local agents. But I assess an off-market property exactly the same way I assess any other property — and I’m prepared to walk away when the numbers, location or property simply don’t stack up.

A great property on the open market is better than a poor property bought off market.

When buying property, don’t just look for secret access. Look for someone who knows when to buy, what to look for and when to walk away.

23/09/2026

The agent’s price guide isn’t a valuation — it’s simply a starting point for negotiation. Before making an offer, look at recent comparable sales and consider the land, condition and location to work out what the property is realistically worth.

If you’re a first home buyer, my First Home Buyer Cost & Decision Kit includes a Comparable Sales Worksheet, plus practical tools to help you understand the true cost of buying and make more informed decisions. Get your copy for $19 via the link in my bio. 🏡

Buying interstate shouldn’t mean buying blind.For these first-time interstate buyers, taking the plunge came with a lot ...
22/09/2026

Buying interstate shouldn’t mean buying blind.

For these first-time interstate buyers, taking the plunge came with a lot of uncertainty and trepidation.

They were doing their research. They were looking at properties. But they knew there was something they couldn’t get from a Google search:

Local knowledge. Experience. And an objective set of eyes.

That’s where a buyer’s agent can make a real difference.

My role isn’t to tell you what to buy.

It’s to help you understand what you’re actually buying, uncover what you may not see, provide honest advice on each opportunity, and give you the space to make a confident decision without the pressure.

Because when you’re investing hundreds of thousands — or millions — into a property, you shouldn’t have to figure it all out alone.

This is exactly why I do what I do. 🤍

Thank you to these clients for trusting me with such an important decision and for sharing such incredibly kind words.

If you’re buying interstate, buying your first property, or simply want an experienced advocate in your corner, I’d love to have a conversation.

📩 Send me a DM or get in touch to discuss your property goals.

21/09/2026

“I can borrow $700k” is not the same as “I can comfortably buy for $700k.”

Your borrowing capacity is only one piece of the puzzle.

Before you start stretching your budget, you need to know what you'll actually need to have available for the deposit, government and settlement costs, conveyancing, inspections, moving, repairs and your ongoing monthly costs.

LINK: https://bit.ly/4h4IYPd

And there’s another question that matters just as much:

What price can you afford without leaving yourself financially stretched after settlement?

That's why I created my First Home Owner Guide + Editable Cost Calculator.

It helps you work through your:

✓ Real upfront cash requirement
✓ Realistic purchase ceiling
✓ Monthly ownership costs
✓ Savings gap
✓ Property and due-diligence checks
✓ Walk-away price before you negotiate

The guide even includes a worked $650,000 example where a 10% deposit is $65,000 — but the estimated upfront cash required comes to approximately $92,185 before LMI.

If you're planning to buy your first home, click the link and get your free Guide + Calculator before you start making offers.

Know your numbers first.
Then go house hunting.

LINK: https://bit.ly/4h4IYPd

You don’t need to see more properties. You might need a clearer brief. One of the biggest mistakes I see first home buye...
17/09/2026

You don’t need to see more properties. You might need a clearer brief.

One of the biggest mistakes I see first home buyers make is starting the property search before getting clear on what they actually want.

The result?
Endless open homes.
Too many saved listings.
Constantly changing suburbs and priorities.
And eventually… decision fatigue.

A clear property brief helps you understand what really matters, where you’re prepared to compromise, and what simply isn’t worth pursuing.

And it doesn't have to be perfect from day one — your brief can evolve as you learn more about the market.

I’ve shared more about why getting clear on your brief can completely change the way you approach your property search.

If you're a first home buyer, have a read before your next weekend of open homes.

16/09/2026

A little behind-the-scenes from my BNI presentation yesterday. 👋

I’ve been busy behind the scenes working on something specifically designed to help first home buyers make more confident property decisions.

Buying your first home can feel overwhelming — there are so many costs to understand, decisions to make and things to consider before making an offer.

I’m now sharing this resource with my professional network so that mortgage brokers, conveyancers, accountants, financial advisers and other professionals working with first home buyers can provide their clients with another practical tool to help them navigate the process.

My goal is simple: give first home buyers better information upfront, so they can approach their purchase with greater clarity and confidence.

If you work with first home buyers and would like to find out more about the resource or how you can share it with your clients, send me a message — I’d love to connect.

09/09/2026

A beautiful kitchen can make you fall in love with a property in seconds.

But when you're buying a home, what you see isn't always what matters most.

The styling can be changed. The furniture can be replaced. The kitchen can eventually be renovated.

But the things that affect the value and suitability of a property can be much harder to change.

That's why I always encourage buyers to look beyond the first impression and ask:

Does this property actually make sense for me?

Not just “Do I love it?”
But “Would I still buy it after I've looked at the numbers, the property and the evidence?”

That shift in thinking can make a big difference when you're making one of the biggest financial decisions of your life.

It's also exactly why I created my First Home Owner Guide — to give first home buyers practical tools and resources to help them make more informed decisions.

If you're planning to buy your first home, you can find the guide via the link in my bio.

Buy with more confidence. Less guesswork.

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Happy Father’s Day 💙Today, we celebrate the dads, stepdads, grandads and father figures who work hard, support their fam...
06/09/2026

Happy Father’s Day 💙

Today, we celebrate the dads, stepdads, grandads and father figures who work hard, support their families and help build a future for the people they love.

For many dads, providing for their family isn’t just about today — it’s about the decisions they make for tomorrow.

That might mean buying the family home, making a first investment, growing a property portfolio, or simply becoming more confident about the decisions that could shape their financial future.

Looking for a useful Father’s Day gift?

Our digital resources are designed to help make property decisions a little clearer, more informed and more confident.

Because sometimes the best gift is helping Dad make a smart move for the future.

Explore our digital resources via the link in the comments.

Wishing all the amazing dads in our community a very happy Father’s Day.

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