A top question asked by Australians::
“Can I start investing in Melbourne with low savings?”
Short answer: Yes — if you structure it right.
OPW works with many Melbourne clients who start with $35–55k saved, and their pathway usually looks like this:
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Understand Your Lending First
Most first-time investors focus on the wrong thing: searching for properties.
The correct first step is always:
- What can I borrow?
- What repayment level feels comfortable?
- What areas align with that number?
OPW simplifies this entire process — without jargon.
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Scenario: You Have $45k Saved
With the right guidance, you may enter:
- Growth suburbs in Melbourne’s West
- Family rental corridors in the North
- Consistent-yield pockets in the South-East
These areas remain popular due to schools, transport, and affordability.
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Why 2026 Is a Smart Entry Point
- Interest rates stabilising
- Supply remaining tight
- More buyers returning
- Rental demand staying strong
Low-capital investors benefit from:
- Strong rental coverage
- Long-term migration-driven demand
- Lower competition at outer-Melbourne entry points
We match you with the right finance strategy first, then guide you to the Melbourne areas that fit your numbers, empowering you to move from “unsure” to “in control.”
Disclaimer: This article provides general information only and does not take into account your personal financial situation. Always seek personalised advice before making financial decisions.