Troy Luff grew up in the town of Traralgon, Victoria, where he lived until high school age.
He played junior football with the Cumberland Park Club before shifting with his family to Nelson Bay, New South Wales.
[1] In his early career, Luff was delisted and re-drafted twice before the age of 26,[2] and was considered again at the start of his breakout year, 1996, by coach Rodney Eade Luff was retained, where he became best known for his stand-out performances in the 1996 AFL Finals series, culminating in a near best on ground effort in the 1996 AFL Grand Final with 2 crucial goals in the losing side, where he soundly beat Wayne Schwass (although was later beaten by Glenn Archer).
Luff joined Balmain and won a Phelan medal and club best and fairest in 2002.
Luff also commentates for Triple M Sydney's AFL coverage and is a regular on Weekend Sunrise and Fox Sports News