How to Invest in Property With Little Money

Invest In Property With Little Money

If you think you can’t invest in property with little money, you might be mistaken! In fact the skills and experience you’ve gained managing a budget on a lower income could make you a better property investor than some big spending high income earners.

We often meet people who are hooked on the good life: living in expensive suburbs, driving fancy cars, frequently dining out and taking overseas holidays. Many will have built their wealth through a successful investment strategy but you may be surprised to find out how many don’t have adequate savings for retirement or redundancy, let alone a solid investment plan.

Lower income earners are often the ones who knuckle down and save. Careful budgeting, motivation and discipline are very important attributes of successful investors. If you have had plenty of practice stretching your dollar further and living within your means, you might already have what it takes!

Lower income earners can often have a more realistic view of investment risk.

They know they need to do something to get a better financial future. Many people are hesitant to invest in property with little money because they just don’t like having debt. That’s a fair call… but you can reduce your risk.

Why people DO invest in property with little money

Around 20% of Australians invest in property for:

  • potential capital growth
  • rental income
  • tax benefits


  • tend to consider property one of the more solid, less volatile forms of investment because you can actually touch bricks and mortar
  • like the feeling of getting ahead financially
  • don’t want to be one of the 80% of Australians who have to rely on the aged pension when they retire

Why others DON’T invest in property

with little money

Around 80% of Australians don’t invest in property because they:

  • don’t like debt
  • need more information to take the first step
  • don’t know how to ensure their investment property is not threatened by interest rate rises or unreliable tenants
  • aren’t sure how to pick appealing properties for good rental return
  • don’t realise they can probably afford it – even if they don’t have a big salary
  • think all debt is ‘bad’ and haven’t realised an investment property could make them money and even pay for itself

Will you be part of the 20% OR will you be in the 80% of Australians who will need to rely on government support at retirement?

If you don’t act, nothing changes. Remember:

  • You most likely have some good equity in your existing property.
  • Financial institutions support lending to investors if they meet their lending criteria.

We can help you invest in property with little money and look at the different property investment options suitable for your own financial situation now and in the future. We can calculate how much you could afford to borrow to invest or explain how to use your home equity to allow you to get ahead financially with limited risk.

Disclaimer: This article is generic in nature. All finance and investment decisions should be considered wisely and based on your personal and financial circumstances. Seek proper advice before committing to any course of investment action. This is not deemed as advice.

Mikal Howard

A previously devoted toolmaker/machinist turned Mortgage Broker and passionate property investor from Adelaide. Twitter

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