Think you need $100,000 saved up to invest in property?

Think again.

At Futurx, we help everyday Australians—young couples, first-generation migrants, blue-collar workers, solo mums—start building wealth through property, even when their starting point is humble.

The truth is:

You don’t need a massive deposit. You just need the right strategy.

Here’s how smart investors are getting into the market today, even with limited savings.

1. Understand the Minimum You Really Need

For most investment properties, the standard deposit is 20%, but you don’t have to stick to that.

In many cases, you can:

• Buy with a 10% deposit (sometimes even 5% if owner-occupied).

• Use Lenders Mortgage Insurance (LMI) to bridge the gap.

• Take advantage of first home buyer schemes if you’re eligible.

• Tap into guarantor loans using equity from parents or family.

With the right lender, a $60K–$80K deposit could be enough to secure a solid investment property.

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2. Buy in High-Growth, Low-Entry Suburbs

Forget trying to buy in Sydney’s inner west with a $50K deposit.

We help our clients find:

• Regional growth hubs with booming infrastructure, low vacancy rates and rising populations.

• Sub-$600K markets where rents are rising and yields are healthy.

• Undervalued suburbs where the data points to the next upswing.

These aren’t just cheap areas—they’re strategic, data-backed opportunities with long-term upside.

3. Use Equity from Your Existing Property

Already own your home? You might be sitting on gold.

Many of our clients use equity from their existing property as the deposit for their next one—without needing to save cash again.

Here’s how it works:

• Get a valuation on your current home.

• Borrow against the available equity (usually up to 80% of the value).

• Use that to fund the deposit and costs of your next investment.

It’s how people build from 1 to 3 to 5 properties—without selling or saving from scratch.

4. Rentvesting: Live Where You Want, Invest Where It Makes Sense

Want to live in the city but can’t afford to buy there?

Rentvesting is the game-changer strategy for many Australians.

You:

• Rent where you want to live (lifestyle location).

• Buy in an affordable investment-grade suburb (growth location).

• Let your tenant + tax benefits help you cover the loan.

This way, your money works harder—even if your deposit is small.

5. Get Strategic About Borrowing Power

A low deposit only works if your borrowing capacity is strong.

Here’s how we help clients boost it:

• Structure your finances to minimise bad debt (like car loans or credit cards).

• Maximise your income position through correct documentation (especially for business owners or freelancers).

• Partner with the right brokers who understand investor strategy—not just home loans.

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Real Case Study: Blue-Collar Couple Starts with $70K deposit

Client: Married couple, both working in trades. Household income around $120K.
Deposit: $70,000 saved over 3 years.
Strategy: Entry-level investment in high-growth QLD corridor.

Last year, we helped them purchase a 4-bedroom house in a regional QLD suburb for $427,000 with:

• A 10% deposit + LMI

• Weekly rent of $520, giving a rental yield of 6.3%

• A strong growth suburb with tight vacancy and new infrastructure

Just 7 months later—the property was valued at $550,000.

They then extracted $96,000 in usable equity and bought their second property in March 2024 for $512,000.

That second property?
As of June 2025, it’s already worth $560,000.

The Futurx Difference

We don’t just find you a property.

We build your plan, optimise your borrowing, select high-growth markets, and help you build long-term wealth from wherever you’re starting.

Even with $50K. Even with one income. Even if you thought you weren’t ready.

Ready to Start?

Don’t let a low deposit hold you back.
Book your free strategy session with Futurx, and let’s map out your first or next investment step.

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👉 Book a free strategy call to see how we can help.

Link: https://calendly.com/sud-futurx

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