Buying an Investment Property with Just $50 a Week: A Step-by-Step Guide

Buying an investment property might seem out of reach if you’re starting with a small budget, but with the right strategy, it’s absolutely achievable even with just $50 a week. Thousands of Australians are already building long-term wealth through property investment, and you can too.

This guide reveals how to take your first steps confidently with a low weekly commitment, using real-world financial strategies that work.

Step 1: Know Your Financial Starting Point

Review your income and expenses

Start by tracking your cash flow to find where your spare $50 is coming from. Even a small buffer makes a big difference when your investment is structured correctly.

Understand your borrowing capacity

A lender or mortgage broker can help you determine how much you can borrow based on your income, credit history, and existing liabilities.

Prepare your upfront costs

While your ongoing contribution may be $50 per week, you’ll still need to consider:

• Deposit (can be as low as 5% with lenders mortgage insurance)
• Stamp duty
• Legal and conveyancing fees

Step 2: Get Pre-Approval from a Property-Savvy Lender

Why pre-approval matters

Loan pre-approval strengthens your position when making an offer and helps you shop within your means.

Choose a loan structure that supports low contributions

Look for features like interest-only periods, offset accounts, and investment-focused products that reduce upfront holding costs.

Consider using equity if you own property

If you already have a home, you may be able to use your equity instead of cash for the deposit.

Step 3: Engage a Property Investment Adviser

Avoid going it alone

Buying an investment property isn’t the same as buying a home. A professional adviser brings in-depth market knowledge, risk mitigation strategies, and tailored advice.

What a good adviser does

At EDA Property, we help clients:

• Source high-growth, high-yield investment opportunities
• Model cash flow to keep your out-of-pocket low
• Secure exclusive off-market deals that fit your budget

Focus on long-term strategy, not just the purchase

We’ll help you build a plan that grows with you, not a one-off transaction.

Step 4: Select the Right Property to Minimise Costs

Prioritise cash flow positive or neutral properties

Aim for properties where the rent and tax benefits nearly cover the holding costs. That’s how your $50 a week fills the gap.

Choose growth suburbs with tenant demand

Target areas with:

• Population growth
• New infrastructure
• Employment hubs
• Low vacancy rates

Focus on low-maintenance dwellings

Houses, townhouses, or dual-income properties (like duplexes) can deliver strong rental returns with fewer surprises.

Step 5: Structure Your Investment for Maximum Efficiency

Use depreciation to reduce tax

Many new builds offer thousands in depreciation benefits each year. This offsets your income and reduces tax payable.

Work with a specialist property accountant

An experienced accountant will ensure you’re claiming all eligible deductions, helping to maintain your $50 weekly goal.

Build a financial buffer

Set aside a small contingency fund to cover vacancies or unexpected costs. This protects your strategy without derailing your plan.

Step 6: Leverage Support to Stay on Track

Appoint a great property manager

A good manager keeps your property tenanted, handles maintenance, and protects your investment.

Review your portfolio annually

As your equity grows, you may be able to refinance or buy again without increasing your weekly contribution.

Continue your education

Stay informed with webinars, property podcasts, and resources from trusted advisers like EDA Property.

Conclusion: Buying an Investment Property with Just $50 a Week is Possible

Buying an investment property is no longer just for high-income earners. With expert support, the right property, and a clear financial plan, your $50 a week can kickstart a powerful wealth-building journey.

At EDA Property, we’ve helped countless Australians enter the market confidently, many of them starting with even less than you might think.

Book a free strategy session with our property investment advisors today to find out how we can help you start your investment journey with as little as $50 a week.

Frequently Asked Questions

Is it still worth buying an investment property?

Yes, many Australians still see property as a strong long-term investment. If you choose the right area and understand the costs, it can help you grow wealth over time.

Is buying an investment property a good idea?

It can be a good idea if you understand your budget, know your goals, and choose a strong area. Many families use property to grow wealth safely over time.

Can I buy an investment property with a small deposit?

Yes, some people buy with a smaller deposit, but your loan costs (LMI) may be higher. A mortgage broker can help you understand your options.

How much money do I need to start investing in property?

You usually need a deposit, buying costs (like stamp duty and inspections), and enough savings to cover early expenses. For many people, this starts around 10–20 percent of the property price.