Ramsey Property Wealth - Portfolio Strategy and Structure Review
An Invitation To Astute Investors



Before you buy another property, make sure your portfolio is built to support it.



An independent, PhD research-led review of your entire property investment ecosystem - planned, funded, protected and positioned as one integrated strategy.

  • Five dimensions of your portfolio assessed as one - strategy, structure, debt design, asset mix and after-tax wealth.
  • A 21 day process. A written report, a 3-year action plan, and a 90-minute presentation of findings.
  • Independent advisory by design - it ends with the path that fits your portfolio, even when that path is to do less.

Step One · Complimentary


Book your Discovery session


A short conversation to confirm the Review is right for you - and which review tier fits your portfolio. There are no charge for this step.

Please enter your first name and surname
Please enter a valid email address
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Next step: pick a time from your advisor's live calendar.

ACL 38908


If you already own property and came here asking one of these, this is the right page.

? "Should I own my properties in a trust or my own name?"
? "Do I need to restructure before 1 July 2027?"
? "Is my portfolio actually underperforming?"
? "Can I access the equity that's trapped in my portfolio?"
? "What do the negative gearing changes mean for me?"
? "Is my SMSF property structured correctly?"


This page shows you what to examine and why it matters now. The stress test below makes it specific to your portfolio. What it can't do is tell you what to change - that's what the Review is for.

AS SEEN IN







YOUR Portfolio Stress Test


Does your investment property portfolio need urgent attention?


Test your current property portfolio against five economic and policy scenarios for 2026-27. Nineteen questions, under five minutes  you receive: A portfolio survival score, your negative-gearing and CGT position, and where the risks sit.

Unlocks as you watch

The stress test opens partway through the video above — once the five dimensions have been explained, so your inputs mean something.

Start the video to begin


The Portfolio Stress Test is a diagnostic estimate for general information only. It is not personal financial advice, tax advice, credit advice, or legal advice, and does not take into account your particular objectives, financial situation or needs. Scenario outputs are modelled on stated assumptions and may not eventuate. A licensed professional should review your circumstances before any strategy is implemented. Ramsey Property Wealth Pty Ltd is an Authorised Credit Representative of Australian Finance Group, ACL 389087.

The INVESTORS Plateau


When buying the next property is no longer the hard part.


Building wealth through property isn't difficult. Building a portfolio that keeps growing efficiently over the next ten, twenty or thirty years is. Most successful investors reach a point where buying another property is the easiest decision they make. But the decisions that actually shape their wealth become harder, and quieter:

01 Is everything owned in the right entities?
02 Am I carrying unnecessary tax risk?
03 Is my debt structured correctly - and could I access significantly more capital?
04 Am I exposing my family to risk I haven't priced?
05 Are my advisers working together - or past each other?

The larger your portfolio becomes, the more valuable strategy becomes - and the more expensive a structure built without it turns out to be.

This is the review built to answer those questions before your next decision, not after.

NOW IS The Moment


The rules have changed - and the clock is running.


The 2026 federal budget reset the tax settings for property investment. It opened a single question in the mind of every investor who already owns property:


Is my portfolio structured for what's coming
- or for what was?

Held on budget night PreservedGrandfathered - negative gearing and the existing CGT discount kept.
New established stock Wound backNegative gearing wound back on newly acquired established property.
New builds RetainedBenefit retained - a deliberate tilt toward new supply.
Capital gains The 50% discount is being replaced with indexation and a minimum tax on future gains.
Borrowing Lenders are already adjusting - for many, capacity on established stock is falling.


The changes take effect from 1 July 2027. Because grandfathering distinguishes what you already hold from what you acquire next, the analysis of which assets to keep and which to reposition is different from what it was a year ago.

New settings take effect 1 July 2027
Is THIS PORTFOLIO STRATEGY  Review the right starting point?


Four doors into one strategy.


The Review assesses a portfolio you already hold. Depending on your situation, another entry point may fit better - all four lead to the same integrated approach.



You're here · The Review

Reviewing an existing portfolio

Run the stress test above, then book a Discovery Session to work through what it surfaces.

Run the stress test ↑


Building a portfolio

A structured 10-year plan

You have capital or equity and want a structured plan for deploying it across multiple properties. That's our Portfolio Programs.

See the Programs →


A lending question

Borrowing power & structure

You need to know how much you can borrow, whether to refinance, or how to release equity before planning anything. Start with lending.

Explore lending →


Securing the right property

Buyers advocacy

You've got a property in mind, or you're close. Have it assessed and secured against your brief - 90 days or you don't pay.

See Advocacy →
What THE SERVICE Is ABOUT


A strategic review of everything you own.


This isn't our Discovery session, and it is not about your next purchase. It is a comprehensive, independent review of your entire property investment ecosystem - how it is structured, funded, protected, and positioned for the next decade.

Independent

Engaged by you, not the developers

Ramsey operates as an independent strategic advisory firm. We accept no commissions, incentives or referral fees from developers, agents or sellers. Every recommendation is made solely in your interests.

Integrated

One view across the whole picture

Portfolio strategy, lending, taxation, ownership structure and acquisition planning - our specialists working alongside a network of accounting, tax and legal partners, instead of leaving you to referee advisers who never speak.


When the tax shield gets squeezed, strategy and structure become the value - not the property pick.

OUR ASSESSMENT


Five dimensions to your portfolio, assessed as one.


Each is assessed by the specialist who knows it best - then brought together into a single, coherent strategy.

Dimension 1

Strategy & risk

Whether the thesis that built your portfolio still holds -  and where it now exposes you. Alignment to your goals, horizon and risk appetite under the current tax environment. Concentration risk by geography, asset type, lender and tenant. Cash-flow resilience, succession and continuity.

You receive:

Strategic Recommendations & Risk Assessment
Dimension 2

Structure, protection & tax efficiency

How every asset is owned, and whether that architecture still protects you. Reviewed across individual, trust, company, bucket-company, SMSF and joint holdings. Asset-protection posture - what is exposed, and to whom. Restructure cost assessed with our accounting and tax partners, then referred to your accountant to formalise.

You receive:

Ownership Structure Review + Tax & Legislative Strategy Summary
Dimension 3

Debt design & liquidity

Your lending reviewed not just for cost, but for the capital it could release. Lender mix, loan structures, buffers and single-lender concentration. Borrowing capacity under a tightening serviceability environment, and a forward funding strategy for the recommended moves.

You receive:

Debt & Liquidity Review
Dimension 4

Asset mix & portfolio health

Every property you hold, assessed individually against our research framework and scored on location grade, yield and growth, condition and age, and tenant risk. Underperforming assets are identified and concentration surfaced - so you see the whole portfolio at a glance, scored rather than guessed.

You receive:

Executive Portfolio Assessment + Portfolio Health Score
Dimension 5

Wealth optimisation & capital deployment

Whether your configuration truly maximises after-tax wealth - and where capital should go next. Your position modelled across five scenarios including slow recovery, inflation shock, property correction, income loss and policy change, with capital deployment sequenced for the decade ahead.

You receive:

Capital Deployment Strategy



Plan → Fund → Invest → Optimise
The Ramsey Advantage® methodology - our proprietary structure connecting all five dimensions.

What You Receive


Complete clarity where your portfolio stands.


Delivered as a written report, a strategic action plan, and an executive presentation - comprising nine components.

✓ Executive Portfolio Assessment
✓ Portfolio Health Score
✓ Ownership Structure Review
✓ Debt & Liquidity Review
✓ Tax & Legislative Strategy Summary
✓ Strategic Recommendations & Risk Assessment
✓ Capital Deployment Strategy
✓ 3-Year Strategic Action Plan
✓ Executive Presentation of Findings -  90 minutes, in person


You'll leave knowing what to keep, what to restructure, what to refinance, what to acquire, which ownership structures to use, how to deploy capital - and the order in which to act.

How It's Prepared


The first 21 days shape your next decade.


Real work, done in sequence, by a senior team - with a quality review before it reaches you.

Day 0
Your Engagement begins

We request your portfolio documents and set up your file.

Days 1–3
Intake with your Portfolio Advisor

To understand your goals and holdings.

Days 3–7
Data collected and normalised

Loans, ownership, holdings, cashflow.

Days 7–12
Five-dimensional analysis

By the specialists, including the wealth modelling.

Days 12–17
Report drafted & quality-checked

Internally reviewed by a senior team.

Days 17–19
Your Strategic Action Plan finalised

And your presentation scheduled.

Days 19–21
Findings presented to you

Report and action plan issued.

Where It Leads


Wherever it's right for you to go.


Because the Review is independent, it doesn't funnel you toward a single product. It ends with the path that genuinely fits your portfolio - and sometimes that path is to do less, not more.

A

A 10-Year Portfolio Plan

Ongoing planning and advice. Your Review fee credits in full toward the planning and advice fee.

B

A lending restructure

If restructuring debt or unlocking equity is the priority - straight to our lending team, no program required.

C

A single property acquisition

If one well-chosen purchase is the right move, our Buyer's Advocacy handles it directly.

D

Your own pathway

Take the plan and act on it independently. The work is yours to keep.


We recommend the path that's right for you - even when that's the smallest one, or none at all. A review that always pointed to the biggest engagement wouldn't be independent. That is the whole point.

In Practice


What a review can uncover.

Illustrative Example


Six properties, two trusts, trapped equity

An investor with six established properties across two trusts, and roughly $900,000 of equity they believed was unusable, was about to buy a seventh. The Review found single-lender concentration was capping capacity, that a trust restructure improved the after-tax position under the new settings, and that the trapped equity could fund a new build which kept negative gearing beyond 2027.

The path chosen A lending restructure, then one new-build acquisition - not the seventh established purchase.
Illustrative Example

Everything held personally, a CGT clock ticking

An investor held five properties personally and was considering selling two to de-risk. The Review found that selling into the new capital-gains settings would be costly, that future acquisitions belonged in a trust for protection and flexibility, and that one underperforming asset - not the two they had picked - was the real drag.

The path chosen Hold and restructure, sell the right asset, and act before the change.

Illustrative scenarios for demonstration only - not based on a specific client, and not a prediction of any outcome. Individual circumstances differ materially.

The Investment


Priced by complexity, fully creditable to a Ramsey service.

The fee is fixed, based on the complexity of your portfolio, and confirmed before we begin.

If you proceed, the Review pays for itself

Begin your 10-year property portfolio planning within 90 days of your presentation and 100% of your Review fee is credited toward your planning and advice fee.

Four guarantees stand behind OUR work

Independence Strategy Property Match PROPERTY Performance


NOT READY TO BOOK YET?

Start with the Established Investor Guide.

Six questions to ask about the portfolio you already own, before you decide what to do next.

Get the Guide

Build your next decade of wealth.


The first step is a complimentary Discovery session, so we can confirm the Review is right for you and which review tier fits your portfolio.


Or speak with us directly - 1300 001 215


Because better decisions create better portfolios - and better portfolios create lasting wealth.

Common Questions


Questions we're often asked.

There is no structure that is right for everyone, and the honest answer depends on things a website cannot know about you. Personal ownership is simpler and often preserves borrowing capacity best in the early stages. Trusts and companies can offer asset protection and distribution flexibility, but introduce cost, complexity and sometimes lending constraints. Land tax thresholds differ by state and can change the comparison entirely. What has shifted is that grandfathering now distinguishes what you already hold from what you acquire next - so the analysis is different from a year ago. Structure is expensive to unwind once assets are held, which is why it is worth resolving before the next purchase. General information only - not tax or legal advice. This is assessed with our accounting and tax partners and referred to your accountant to formalise.
Restructuring carries its own costs - potentially capital gains tax and duty - so it is not automatically the right move. What the grandfathering provisions do is separate two questions that used to be one: what should you keep as it is, and what should be repositioned before the settings change. Assets held on budget night retain negative gearing and the existing CGT discount. Assets acquired afterward do not, unless they are new builds. Whether the benefit of restructuring exceeds the cost is a portfolio-specific calculation across ownership, debt and after-tax position. That calculation is what Dimension 2 of the Review exists to do. General information only-  obtain tax and legal advice specific to your circumstances.
Most investors judge a portfolio by its total value, which hides the asset that is dragging on it. Dimension 4 scores every holding individually against our research framework - location grade, yield and growth, condition and age, tenant risk - and surfaces concentration by geography, lender, asset type and tenant. It is common for the underperforming asset to be a different one from the one the owner suspected. You receive a Portfolio Health Score and an Executive Portfolio Assessment, so the whole portfolio is scored rather than guessed.
Frequently, yes - and single-lender concentration is the most common reason capital is sitting trapped. When a portfolio grows with one lender, that lender's assessment becomes the ceiling on the whole position, even where another lender would view the same portfolio very differently. Dimension 3 reviews lender mix, loan structures, buffers and concentration, and assesses borrowing capacity under the current serviceability environment - which is tightening, as many lenders adjust their treatment of established stock. The output is a Debt & Liquidity Review setting out what could be released and how.
The Discovery session is where we confirm the Review is right for you. The Review itself is paid, independent work that ends with the truth about your portfolio - five dimensions assessed by senior specialists over 21 days, delivered as nine documented components. And if you proceed to work with Ramsey further, the fee is credited in full.
Your accountant gives the tax answer - an important one. But it sits downstream of the strategy answer. We bring the five-dimensional view across strategy, structure, debt design, asset mix and after-tax wealth, assessed together rather than in isolation. You take it back to your accountant to operationalise. The Review is built to complement your existing professional relationships, not replace them.
The Independence Guarantee addresses that directly - if a recommendation isn't supported by the data, you have a documented right to challenge it. Structurally, we accept no commissions, incentives or referral fees from developers, agents or sellers, so there is no financial reason for us to point you toward a purchase. The Review ends with one of four paths, and one of them is taking the plan and acting on it entirely without us.
For a multi-million-dollar portfolio, the question isn't whether the fee is high or low - it's whether the cost of a sub-optimal structure under the new rules is higher. To assemble this analysis elsewhere you would engage four specialists separately - a strategist, a lending specialist, a research analyst and a structuring adviser - with four engagements, four invoices, and no one joining the dots. And if you go on to work with us within 90 days, the fee is credited in full.
Property held on budget night 2026 is grandfathered - negative gearing and the existing CGT discount are kept. For newly acquired established stock, negative gearing is wound back. New builds retain the benefit, a deliberate tilt toward new supply. The 50% capital gains discount is being replaced with indexation and a minimum tax on future gains. The new settings take effect from 1 July 2027. Separately, many lenders are already adjusting serviceability on established stock, which is reducing borrowing capacity for some investors ahead of the legislative change. This is general information about announced changes and is not tax advice. Obtain advice specific to your circumstances.
Twenty-one days from engagement to presentation of findings. Documents requested at day zero, intake days 1–3, data collected and normalised by day 7, the five-dimensional analysis to day 12, report drafted and quality-checked by day 17, action plan finalised by day 19, findings presented days 19–21.