How much do you need to invest in 2021?

Did you know what the median house price in Sydney was a decade ago?

Well, it was about $640,000 and had been hovering around that level for a few years.

Buyers agents started buying in the Harbour City back then because they knew the fundamentals that drive market upswings were well under way.

By 2012, Sydney property prices were rising and continued to do so for five years, before taking a breather for a year or two and started to increase again last year.

Now, the reason for this history lesson is not to sing the praises of Sydney over anywhere else, because we usually buy in locations that offer property price growth projections more affordably.

It is to highlight the equity that many medium-term homeowners in Sydney probably have available to them to invest.

Over the past decade, the Sydney median house price has increased by 78 per cent, and that means many homeowners now have hundreds of thousands of dollars of equity in their properties.

The key, of course, is to not to just let it sit there under-utilised, because it can be reused for wealth creation purposes.

Investing affordably

One of the first questions we ask new clients is how much they have available to invest in property.

Sometimes, people don’t understand the funds they truly have available because they believe they have to come up with cash for a property deposit.

Often, though, it turns out they have the equity in their homes that they can reuse to improve their financial futures.

One of the keys to our property investment strategy is its affordability with investors generally only needing about $80,000 in funds to buy a house in a location primed for capital growth in the future.

We buy for clients in capital city and major regional locations around the nation, where the market fundamentals are showing promising signs.

This means that $80,000 goes a lot further than it would in Sydney, where it wouldn’t even be enough to invest in an inferior unit 50 kilometres from the city!

However, by buying in strategic locations that are also more affordable, investors can secure houses on generous blocks of land as well as ones with strong cash flow for as little as $400,000.

On top of that, the low interest rate environment means that investors buying into affordable locations, such as Greater Brisbane, where the rental market is also firing, are finding that their property is neutral or even positive cash flow from the outset.

Circling back to my Sydney story at the start, it’s clear that homeowners with holdings in the New South Wales capital – or elsewhere around the state and nation – are well-placed to create wealth in the years ahead.

The key is to recognise the opportunity they already have to recycle a small proportion of their equity into another income- and capital growth-producing asset.

High-Performance Property Investment in
5 Simple Steps

In this free guide, you will learn how to Implement the same strategies that led me to build a $3.5 million dollar portfolio in less than six years. – Daniel Walsh

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Respecting your Privacy

Your Property Your Wealth Pty Ltd (YPYW) is committed to supporting the Australian Privacy Principles for all fair handling of Personal Information which set clear standards for the collection, use, disclosure, storage of and access to Personal Information collected during the course of business operations and compliance with the Privacy Act 1988 (Commonwealth) and its amendments (the Act), and the Australian Privacy Principles (APPs) set out in that Act. You can see the full text of the APPs online at the Office of the Australian Information Commissioner’s website at:

Personal Information means your name, mailing or residential address, telephone number, email address and other transaction and registration details including the company you work for and your role and financial information, including credit card information and information collected from credit reporting agencies.

Our respect for your rights to the privacy of your personal information is paramount.  We have policies and procedures in place to ensure that all personal information, no matter how or where it is obtained, is handled sensitively, securely and in accordance with the APPs.

This Privacy Policy sets out:

  • What sort of personal information is collected and stored;
  • How information is collected and used;
  • What happens if you choose not to provide the required information; and
  • How you can request access to the personal information we hold about you.

From time to time it may be necessary for YPYW to review and revise this Privacy Policy. We reserve the right to change our policy at any time. Amendments or replacements of the Privacy Policy will be posted on our website.

Collection of Your Personal Information

We only collect personal information relevant to our business relationship with you so that we can provide our services and products. We may collect your personal information:

  • directly from you including via telephone, email or facsimile;
  • when your register on our website;
  • when you place an order or service request with us;
  • where you access and interact with our website;
  • from other sources including a third party such as credit reporting; and
  • any correspondence we receive from you.

Is your personal information secure

Where you submit personal information, we manage it by using up-to-date techniques and processes that meet current industry standards to ensure that your personal information is kept secure and confidential. We also take measures to destroy or permanently de-identify personal information if it is no longer required.

Use and Disclosure of Personal Information

You acknowledge and consent that by providing your personal information to us that we may use and disclose your personal information for the purpose for which it was collected or for a related or ancillary purpose such as:

  • supply of our services and products to you in accordance with our Terms and Conditions and any agreement entered into with you, to facilitate, process, carry out and respond to your request;
  • to our third party service providers to assist us in providing and improving our services and products to you and developing, improving and marketing our services and products to you;
  • for regulatory reporting and compliance with our legal obligations, to various regulatory bodies and law enforcement officials and agencies to protect against fraud and for related security purposes;
  • to the seller or supplier of any products to you for the purpose of ascertaining and obtaining any information required to perform our services for you;
  • to identify you and conduct appropriate checks, including credit checks;
  • set up, administer and manage our services and products and systems, including the management and administration of an account;
  • to train and develop our staff to better provide services to you;
  • to contact you; and
  • to our successors and/or assigns

What happens if you do not want to disclose personal information?

You have no obligation to provide any personal information requested by us, but if you choose to withhold personal information, we may not be able to provide you with the products and services that depend on the collection of that information.

Removing your personal information

You may contact us at any time in writing and request that we remove and delete your stored personal information.

Providing Personal Information About Another Person

You represent to us that where you provide personal information to us about another person, you are authorised to provide that information to us, and that you will inform that person who we are, how we use and disclose their information, and that they can gain access to that information.

Linked Sites

YPYW’s website may contain links to websites which are owned or operated by other parties. You should make enquiries as to the privacy policies of these parties. We are not responsible for information, or the privacy practices of such websites.

How can you access your personal information?

You may in writing request access to personal information that we hold about you. We will provide you with access to personal information in accordance with the Act and APPs and we may not grant you access to the personal information that we hold where the APPs allow us to do so. If you are refused access to information, we will provide you with reasons for the refusal in writing.

How to contact us

If you have any questions in relation to privacy, please contact us on 0490 912 045 or email Daniel Walsh – For more information about privacy law please visit

High-Performance Property Investment in 5 Simple Steps

In this free guide, you will learn how to Implement the same strategies that led me to build a $3.5 million dollar portfolio in less than six years. – Daniel Walsh