You may be thinking that you can’t afford to buy an investment property, but I dare you to take a closer look at your finances. It is certainly possible to own an investment property for less than $50 per week - you simply need a plan and the determination to stick to it!

Budget is NOT a Dirty Word!

Consider for a moment the benefits of owning an investment property. You can finally put your money to use, not only cut your tax bill, but to build up your nest egg. Now imagine buying that property for less than $50 per week.


If you knew it were possible, would that encourage you to look even harder for places to cut spending in your budget? My belief is that once you see just how possible it is for you to build a successful investment portfolio you’ll become even more diligent about saving for your future.


To highlight just how you can purchase property for less than $50 per week, consider the following “real life” example:

How It All Works

One-bedroom apartment (OTP)


Purchase price      $385,000

5% costs at                         90%

10% deposit              $38,500

Rent (5.74%) $400-$430pw


Rental Income


Estimated income $22,100 ($425 pw)
  • Loan
  • Interest rate
  • Interest
  • Body corporate fees
  • Council rates
(council val = purchase price)
  • Insurance
$ 300
  • Land Tax
  • Agent letting fees
(7.7% + 1 weeks rent letting fee)
  • Water
  • Interest on equity funds (used to buy unit)
Total Cash Outflow $32,289

Tax Benefits


  • Depreciation
  • Total Expenses
(for tax calculation purposes)
  • Marginal tax rate

Cash Inflow


  • Rents received
  • Tax refund
(based on $80k per annum)
  • Total cash inflow
  • After tax inflow
$ - 2,570
  • Weekly outgoing
$ -49

As the numbers clearly show, this individual was able to purchase property in a high growth area for less than $50 per week out of pocket! Not only did they gain a significant tax benefit, they’re also in position to enjoy some solid capital growth for the future.


Sam Saggers is CEO of Positive Real Estate and Head of the buyers agency which annually negotiates $250 million-plus in property. Sam's advice is sought-after by thousands of investors including many on BRW’s Rich 200 list. Additionally Sam is a published author and has completed over 2000 property deals in the past 15 years plus helped mentor over 2200 Australian investors to real estate success!

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Disclaimer: while due care is taken, the viewpoints expressed by contributors do not necessarily reflect the opinions of Your Investment Property.