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The Ramsey Blog


Keeping you informed with the latest tips and tricks, how to make the most out of your home loan and how to build genuine wealth through property... 


Discover how these busy professionals achieved remarkable property growth in just 9 months! Dean and Yelena, juggling demanding careers and family life, turned to Ramsey Property Wealth for expert guidance. With their assistance, the couple secured an off-market gem in Perth, experiencing a staggering $120,000 appreciation in less than a year! Learn how their savvy investment strategy yielded a 5.94% rental return, paving the way for future investment success.

In the labyrinth of real estate, finding lucrative investments is a daunting task. For Australian investors, Buyers Advocates emerge as essential allies, offering expertise that transcends their fees. Armed with insider knowledge, data analytics, negotiation mastery, and access to off-market opportunities, these professionals maximize returns while mitigating risks. Learn how their strategic guidance transforms investments into success stories.

The latest data from the Australian Bureau of Statistics defies expectations, revealing a remarkable 21.5% surge in investor mortgage commitments, contrasting owner-occupier figures. With investors outpacing first-home buyers, the market landscape evolves. Chief Economist Leith van Onselen sheds light on these trends, emphasizing the pivotal role investor sentiment plays in shaping the market's trajectory.

Sophisticated investors have an opportunity to capitalize on current property market conditions amid the Reserve Bank of Australia's (RBA) interest rate policies and broader economic factors. Here are some highlights and commentary from our Director, Ewan Ramsey on what this means for the broader market and specifically for our clients, strategic property investors.

Amidst the complexities of securing a home loan, the often-underestimated property valuation process takes center stage. Recent insights from the Australian Financial Review reveal substantial valuation discrepancies, impacting interest rates and Lenders Mortgage Insurance. Learn how adept borrowers rely on expert mortgage advice to navigate this critical phase, ensuring a fair deal aligned with their financial goals.

Prepare for the dynamic property market of 2024 with these 5 essential tips. Learn to develop a robust long-term plan, choose prime locations, and safeguard your finances with a buffer. Explore the significance of demographics and how they shape lasting wealth. Start your journey towards achieving your financial and lifestyle goals by undertaking the following.

Discover the significance of depreciation schedules in property investment for maximizing tax benefits and expanding financial portfolios. Gain insights into navigating depreciation calculations for new and older properties, and their impact on tax deductions. Learn about the optimal timing for claiming depreciation and the importance of seeking professional guidance. Elevate your understanding of property depreciation with expert insights.

As we step into the new year, it's the perfect time for Australian property investors to shape and refine their strategies for success. The property market is constantly changing, so having a clear understanding of your end game and forward-thinking approach is crucial.

There are different ways to think about wealth and where you want to be in the future.  Be it five, ten or even fifteen years - especially if you're considering property as an investment vehicle - in this article we explain what it really means to building wealth and and change your Net Wealth position for life.

Planning for your financial and lifestyle aspirations often takes a back seat to work and family responsibilities, so finding time to invest for your future goals can take a back seat. In this article you will read how you can maximise that time to invest while meeting all your life goals.

A buyer's agent works for you as the buyer, not the seller, and their job is to help you find the right investment property, with the right rental yield in the right growth corridor, at the right price. They become your expert property sourcing, negotiating I've left this unchanged but the word 'right' appears multiple times in the sentence and can be hard to understand by some readers.

Many Australians face the prospect of a retirement that increasingly doesn't align with their dreams and aspirations. With careful planning Australians during their working years can unlock strategies to invest in property that provides rental income and potential capital gains through increased values to help reach your above-average retirement goals.

What  can you do to avoid the fxed-rate cliff? Recently, former Reserve Bank Governor Ian Macfarlane warned that the banking regulator, APRA, will likely have to relax loan serviceability buffers if fixed-rate mortgage holders struggle to refinance their loans.

When looking at your first home loan, one term that you probably have heard of is LVR or 'loan-to-value ratio'. LVR is simply the amount of money you need to borrow as a percentage of the purchase property's value. Therefore, the larger your deposit, the lower your LVR will be.

Like most homeowners, you may need to know that you will be liable for a land tax when purchasing an investment property. Unlike stamp duty which is the one-off amount paid when you buy a home that will be your principal place of residence.

Negative gearing means borrowing money to buy an asset. It is often a tax reduction strategy used by investors. When an asset, in this case, a property, produces income (e.g. rent) that is less than the expenses that occur, it makes a loss. 

With the Reserve Bank due to meet again for the first time in 2023 this month, many homeowners and property investors will be watching closely.

Will they raise the cash rate again? And what does this mean for mortgage holders who locked in a fixed rate during the height of the pandemic?

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Ramsey Property Wealth is a multi-award winning property investment and mortgage advisory firm, recognised for our diversified service offering, allowing customers to shrink debt and build long term wealth through strategic mortgage strategy, property planning and acquisition.

Testimonials

My partner and myself were referred to Ramsay property as we had a complicated loan set up consisting of us running a small business and a guarantor.

The loan came through all in time and the service was more than great

Would 100% recommend to any future buyers to get in touch with anyone in their office

Appreciate the help guys!

Doug - Complex Structure, Sydney

The team at Ramsey Property Wealth have been amazing to me and my family.

Even though we hit a few roadblocks along the way, they always came back almost instantly with a plan B to fix it, and they did. Thanks to them I am now a proud owner of a home and I couldn't be more grateful for their hard work and dedication.

They were with me every step of the way and never complained about my constant phone calls, emails and messages.

Thank you to the team at Ramsey Property Wealth.

Ramana - First Home Buyer, Brisbane

Thanks to the team at Ramsey Property Wealth we are in our first home! The help was fantastic throughout the build process with communicating to the bank and the builder to ensure it all went smoothly.

Skye - First Home Buyer, Brisbane

Ramsey Property Wealth customer service is second to none. They are always extremely helpful, efficient & friendly. We can’t thank them enough for what they have done for us.

Kathy - Owner Occupier, Melbourne

I recently sold and bought a property with the help of the team at Ramsey Property Wealth. I can't speak highly enough of their service, from my initial enquiry with the Managing Director Ewan, to their follow up after the properties had settled, their service was prompt, efficient, professional and simply took out all the stress of such a transaction.

Mark - Owner Occupier, Sydney

Ewan and his team have put together countless client finance packages and recently my own home and development project.  They are massively solutions focussed and ensured everything happened on time.  I particularly love their automated system that kept us up to date with each step. 

Blake - Property Developer/Investor , Brisbane

The service we received has been premium and of the highest standard. Thank you for helping us get in the market!! We can't wait to work with you again in the future.

Michelle - First Home Buyer, Melbourne

Ewan and his team are very professional and thorough. They chased up constantly on the financial institution to ensure that our initial loan and refinance were proceeding as quickly as it could.

Phil - Owner Occupier, Brisbane

Throughout our journey, Ewan has been encouraging and his unwavering confidence that we would achieve our goal was a driving force for us to persevere & continue with building.

Ewan really does take the time to explain each step and process professionally and thoroughly especially as the build process is new to me! ...

Sharon - Property Investor, Brisbane

Dion, Nardine, Jay and their team were absolutely amazing to deal with and Dion’s communication was fantastic. I was kept up to date every step of the way during the process and even when I had questions or queries, he took the time to explain everything I wanted to know, in depth at a level I could understand...

Stacey - Owner Occupier, Brisbane

I recently moved into a new home on the Sunshine Coast.  Being self-employed, finance can at times be a tad trickier to obtain.  Dion and the team at Ramsey Property Wealth did all the hard work for me and sourced fantastic, best-priced loan with a leading bank in record time....

David - Owner Occupier, Sunshine Coast

I would like to thank the Ramsey Property Wealth team for what has been an excellent outcome in all aspects of the restructure of our complex situation involving multiple banks and 9 properties. Your responsiveness and assistance has made the process easy for us to achieve a better financial outcome...

Damian & Carolyn - Property Investors, Melbourne