The right development professionals in your corner
Development and property can be an extremely financially rewarding experience and at the same time a very expensive learning exercise if you do happen to get it wrong.
With 15 years property and finance experience and having completed a number of development projects in all shapes and sizes, our Development Finance Experts are equipped to advise you on all things property & finance to get you through to the end.
How we help
Site Acquisition
Our development team can work with our in-house buyer’s agents to help you acquire a site that provides a strong platform for development.
Development Strategy
Our Development Finance Plan is a bespoke service which addresses the following financing hurdles on your next project:
Development Finance
We understand what’s required to help you get the best project outcomes.
In construction and property development, cost and timing are critical. Our focus is on providing you with a finance solution that is personalised, fast and flexible.
Lending
Solutions
Specialist lending solutions fit for you, your entity, your project and situation. Most lenders don’t have the understanding, speed and
flexibility to help. But we do.
Blake's review - Development finance client
Our Process
We provide a seamless process that’s fast, competitive and transparent connecting
development borrowers with accredited Lenders in this field.
Submit Your Scenario
Application & Indicative Rates
Submit your information, feasibility via our secure online portal which will help our experts provide you with indicative terms.
Feasibility Analysis
We run your project specifics through our feasibility model to give deep insight into the project profitability. This will empower
you to make better financial decisions
Loan Structuring
Our experienced finance team will work with you to create the loan application to ensure it’s presented in a way that will encourage lenders
to provide the best terms.
Proceed with Strongest Option
Submit to lenders
We identify the lenders most likely to finance the transaction
Negotiate Terms
With our experience, loan structure, relationships, and number of funders available we command the best terms and conditions on the
market
Receive Transparent Offers
You will receive multiple finance options with a like for like comparison of those options showing the true cost of funding. Allowing
you to stay in control and make a fast, informed decision.
Settlement Management
3rd Parties engaged
Once terms are agreed, the next steps are to engage 3rd parties such as valuers and quantity surveyors. We support you in this
process and help manage the 3rd parties.
We Manage Settlement
Our settlements team will proactively coordinate the settlement for you to ensure you, the lender, and any 3rd parties sign off on
all conditions required to be met as part of the facility.and ensure a smooth settlement.
Types of projects we finance
Townhouses
Land investment
NDIS housing
Land subdivisions
Residual stock
Prestige homes
Knock-down rebuilds
Apartment buildings
As a team of individuals whom have personally developed a number of these
types of developments, we understand the nuances of each including the importance
of the correct financial structure to help you through each critical step, including:
Acquisition
Development
Exit
Your development team
Ewan Ramsey
Director
.jpg)
Steven Shaw
Lending, Relationship Manager
.jpg)
Marvin D'Souza
Development Buyers Advocate
.jpg)
Chris Childs
Acquisitions Manager
Explore our case studies
Residential Construction Project
Dromana, Victoria
Download Case Study
Single Dwelling Residential Construction
Greenslopes, Queensland
Download Case StudyYour multi- award winning, trusted advisors
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.
.png)
.png)
Our trusted lending partners
Our established network of bank and non-bank Lenders offer premium access to innovative products that deliver on individual investment objectives, whatever the project size. With real-time market intelligence, reputable financial expertise and a proven track record of client success stories . We are the Development Finance Broker of choice.
.jpg)
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
Our latest news
Why Queensland's Infrastructure Boom is a Golden Opportunity for Interstate Property Investors
Client Case Study - Dr Shah’s Journey to Financial Freedom with Careful Portfolio Planning
.jpg)
Case Study - Moving a Client from 'Mortgage Prison' to Achieving $850 in Monthly Interest Savings
Unlocking Opportunities: Investing Across Multiple States in Australia with Astute Land Tax Strategies
Counting the Hidden Costs: The Pitfalls of Purchasing Property Without a Buyer's Advocate in Australia
Case Study: Acquiring a High-Performing Property for Two Time-Poor Professionals
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.
The True Worth of an Investment Buyers Advocate: Maximising Return On Investment!
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.
Investor Confidence in Australian Property Market Soars - A Deep Dive into the Latest Trends
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.
Today's Property Investment Market: Highlights from our Director
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.
Navigating Mortgage Valuations: The Game-Changer in Home Financing
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.
5 Tips for Property Investing Success in 2024
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.
Understanding Investment Property Depreciation
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.
Plan and Exceed Your Net Wealth Goals in 2024
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.
How to create a game-changing Net Wealth position
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.
Maximising Your Time To Invest
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.
Spotting Unqualified Property Portfolio Planning Services
The industry is full of property houses, acquisition suppliers, intermediaries and buyer's agents demanding your attention but how do you know who is genuinely working in your best interests? And what is their version of a ‘property portfolio plan’?
Buyer's Agents: Property's Best-Kept Secret
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.
Setting Your Future Retirement Dreams: Can Property Investment Help?
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.
First Home Buyers: $1,800 Monthly Repayment Reduction
Aspiring first-home buyers facing affordability hurdles can soon tap into dual federal government support.
Finding the Right Investment Property for You
The type of investment property you buy, location, and features will primarily be based on your property wealth strategy.
First-Time Investment Loan Guide: Your Ultimate Starting Point
Investing in property can help you achieve your financial and lifestyle goals. For many first-time investors, it can seem overwhelming to know where to begin.
Refinance to escape the fixed-rate cliff
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.
Loan-to-Value Ratio (LVR): What You Must Know
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.
A Guide to Buying an Investment Property
The latest figures from the ABS show that our love affair with property continues even during the rising interest rate cycle. Here's how our guide to how you can get started in property investing.
Home Loan Refinancing: Why use a Mortgage Advisor?
Around 2,300 Australians are taking advantage of a better deal on their home loan, choosing to refinance their mortgage after eleven rate rises since April 2022.
Land Tax: Uncovered
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.
7 proven tips when applying for a home loan
For people who find the experience unsettling when applying for a home loan, this article provides seven tips for applying for a home loan to help the application process go as smoothly as possible.
Property cycles: When should you invest?
Constant headlines, media speculation and the weekend conversation amongst family and friends will likely confuse you about the right time to invest in property.
Negative Gearing: Explained
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.
Fixed rate expiring? Here’s what to do
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?
Expanding your property portfolio? The three best spots in Australia to buy this year
When it comes to investing, knowing WHERE to invest is just as important as knowing WHAT type of property to invest in. This article will give you the tools on how to interpret trends in the Australian Property Market and make your next move.
Building your portfolio? How to make money from your properties in 2023
As we start 2023, there’s no hiding from the fact that there are challenges for those investing in property. But what does this mean when it comes to making money from your investment property?
Protect Yourself Against Rising Interest Rates
Whether you’re a seasoned property investor or a first-time buyer, there are ways you can reduce mortgage stress and protect yourself against rising interest rates. How? As property wealth management and mortgage experts, we’ll share our wisdom on how to ride the wave of the property market’s highs and lows - ensuring you move forward on your path to purchasing more properties.
Client Scenario: Residential Developer
Andrew is a successful residential developer and he’s been working with our Senior Mortgage Advisor, Dion, for the last 12 months on his client’s property finance needs. After devoting so much of his time and attention to making other people’s dreams a reality in Property, Andrew decided it was time to purchase his own investment property. And, after working with Ramsey closely, via his client's Development deals, he decided the next natural step was to continue working with Dion and his team.
How to save money immediately by refinancing your home
With money on our minds in the current economic climate, we’re all looking for ways to save. As a homeowner, no doubt your mortgage is your
most significant expense and when you started on your mortgage journey you might have a low-interest rate, but as time has passed, your home
loan might not be giving you the best financial outcomes you would have projected.
Refinancing seems scary but it can save you a considerable amount of money every month and set you up for a better financial future.
This short blog will take you through how refinancing actually saves you money and if you’re best suited to the strategies we
outline.
Should home buyers worry about negative media regarding the property market?
A quick scan of the headlines can give you a very negative outlook on the property market. With the focus being on an inevitable market correction and drop-off in home values. So, it’s understandable that, as a home buyer, you might be delving into a bit more research or opting for professional advice before making your next move. But how much of this negative news should you listen to and what worries can you cast aside? Today, we want to approach this head-on. Giving you a clearer idea of what to take on board and what aspects of the media’s property perception may not be relevant for you.
The Flip
Has your portfolio hit a brick wall? You’re not alone. With interest rates where they are today, cash that once was saved for your next step is now being spent on keeping the properties you already have, potentially stunting your goal towards financial freedom.
It doesn’t have to be like that, we want to take you through our 6-step process we like to call ‘Flipping it on its head’. We’ve used this
strategy with many of our clients who have been lumped with poor cash flow and are unable to move forward. Let’s dig into it....
Is now a good time to be purchasing an Investment Property?
With the property market and finances being somewhat volatile, purchasing an investment property may seem risky business. However, with knowledge and specialist expertise on your side, you could not only seek to position yourself firmly on the investment property ladder but also make substantial financial gains. So in this article, we’ll guide you on how to best approach purchasing an investment property in this market.
The Federal Government Launches Home Guarantee Scheme
Have you been holding out from investing after seeing home prices reach new heights? You’re not alone and thus changes to the Federal Government’s Home Guarantee scheme have made it all the easier for some buyer groups to purchase a home. In this article, we’re going to unpack the complexities of the scheme, how it applies in different areas of Australia and the steps you can take to apply.
Should homeowners worry about negative property forecasts?
A glance at property forecasts can make you worry about the value of your property decreasing in price or delay you from further progressing
your property portfolio. But do you actually have anything to be concerned about or is this just how the property market works?
Let's take a look....
.jpg)
How to Pay Off Your Home Loan 10 Years Faster
Most mortgages are spread out over 25 to 30 years, but it doesn’t have to be that way. With a few simple strategies you can take years and thousands off your loan, and it’s much easier than you might think.
Choosing a Fixed Vs Variable Home Loan: The Positives and Negatives
There are multiple stages in the property buying journey and it all starts with having the right home loan strategy from the very beginning and working with a Mortgage partner to consistently review this for the life of your loan.
Own 6-8 Properties in 10 years? Here’s Some Tips on Where to Start
Is one of your goals to own multiple income producing properties but you are cautious of how or where to start?
A Finance Guide to Buying Property at Auction
More and more, as land becomes more scarce or in a market where interest rates are low enticing greater buying power from different markets, auctions are becoming increasingly more popular.