Map Your Next 3 Property Moves When You Start in Green Square

A 10–15 year property plan starting in Green Square means using your first apartment as a launchpad for 3–4 deliberate moves: buying well now, protecting flexibility, then upgrading or investing when equity and income allow. You don’t need to predict every year — just sequence the key transactions and build rules around debt, buffers and timing.

Here’s how to sketch a decision‑grade plan in under two hours this week.

A one‑page roadmap makes your next Green Square property moves clearer.

Step 1: Start with two anchors — today and year 10–15

First, pin down your starting point and a realistic “end state”.

Today (Green Square starting point):

• Apartment value: say $900,000 in Zetland
• Loan: $720,000 (80% LVR), 30‑year P&I at ~6% (illustrative only)
• Repayments: about $4,317/month
• Cash/offset: $25,000 buffer

Year 10–15 anchor (examples):

• Living in a $1.7m–$2.2m inner‑south family home
• Either keeping the Green Square unit as an investment, or selling and redeploying capital
• Total debt you’re comfortable with into your 50s (e.g. $1.0m–$1.3m)

From there, work backwards. This mirrors the approach in /insights/10-15-year-property-mortgage-plan-with-your-broker: get the end state clear, then design the steps.

Quick answer: what does a good plan actually contain?

For most Green Square owners, a solid plan has:

1. 3–4 key moves: e.g. buy apartment → refinance and release equity → upgrade home → decide keep/sell apartment.
2. Debt rules: maximum total debt, LVR limits, when to shift from interest‑only to P&I.
3. Buffer rules: minimum 3–6 months of total repayments in offset.
4. Trigger points: equity, income or life events that tell you it’s time for the next move.