Ramsey Property Wealth - Portfolio Strategy and Structure Review

Portfolio Strategy & Structure Review

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

An independent, PhD-led review of the portfolio you already own. Your strategy, structure, debt, asset mix and after-tax wealth, assessed as one plan before the 1 July 2027 tax changes land.

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A short conversation to confirm the Review is right for you, and which review tier fits your portfolio. Complimentary.

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PhD-led researchZero developer commissionsBrisbane and North Sydney
2026 award seals
  • Five dimensions of your portfolio assessed together, not in silos.
  • 21 days to a written report, a 3-year action plan and a 90-minute presentation.
  • Independent by design. It ends with the path that fits you, even when that path is to do less.

If you already own property and one of these questions brought you here, you are in the right place.

"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. What it cannot do is tell you what to change in your portfolio. That is what our Review is for.

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Why now

The 2026 Budget changed the rules for what you buy next, not what you already hold.

Grandfathering splits your portfolio into two groups. That changes which assets to keep, which to reposition, and where your next dollar should go.

Held on budget nightPreservedNegative gearing and the existing CGT discount kept.
New established stockWound backNegative gearing wound back on newly acquired established property.
New buildsRetainedBenefit kept, a deliberate tilt toward new supply.
Capital gainsThe 50% discount is being replaced with indexation and a minimum tax on future gains.
BorrowingLenders are already adjusting. For many investors, capacity on established stock is falling.
New settings take effect 1 July 2027

General information about announced changes. Not tax advice. Obtain advice specific to your circumstances.

What we assess

Five dimensions of your portfolio, assessed as one.

Each dimension is assessed by the specialist who knows it best, then brought together into a single strategy for you.

1. Strategy and risk

Whether the thesis that built your portfolio still holds, and where it now exposes you. Concentration by geography, asset type, lender and tenant. Cash-flow resilience, succession and continuity.

You receive: Strategic Recommendations and Risk Assessment

2. Structure and tax efficiency

How every asset is owned, across individual, trust, company, SMSF and joint holdings, and whether that still protects you. Restructure cost assessed with our accounting and tax partners.

You receive: Ownership Structure Review and Tax and Legislative Strategy Summary

3. Debt design and liquidity

Your lending reviewed for the capital it could release, not just its cost. Lender mix, loan structures, buffers and single-lender concentration, plus a forward funding strategy.

You receive: Debt and Liquidity Review

4. Asset mix and portfolio health

Every property scored against our research framework on location grade, yield and growth, condition and age, and tenant risk. Your whole portfolio, scored rather than guessed.

You receive: Executive Portfolio Assessment and Portfolio Health Score

5. Wealth optimisation and capital deployment

Whether your current set-up truly maximises after-tax wealth. Your position modelled across five scenarios: slow recovery, inflation shock, property correction, income loss and policy change, with capital deployment sequenced for the decade ahead.

You receive: Capital Deployment Strategy

What you receive

Complete clarity on where your portfolio stands.

You will know what to keep, what to restructure, what to refinance, what to acquire, and the order to act in.

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

How it is prepared

21 days that shape your next decade.

  1. Day 0: Your engagement beginsWe request your portfolio documents and open your file.
  2. Days 1-3: Intake with your Portfolio AdvisorYour goals, holdings and horizon.
  3. Days 3-7: Data collected and normalisedLoans, ownership, holdings, cash flow.
  4. Days 7-12: Five-dimensional analysisSpecialist review, including your wealth modelling.
  5. Days 12-17: Report drafted and quality-checkedReviewed internally by a senior team.
  6. Days 17-19: Action plan finalisedYour presentation is scheduled.
  7. Days 19-21: Findings presented to youReport and action plan issued.

Your portfolio stress test

Does your portfolio need attention now?

Test your portfolio against five economic and policy scenarios for 2026-27. 19 questions, under five minutes. You receive a survival score, your negative gearing and CGT position, and where your risks sit.

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.

Where it leads

Wherever it is right for you to go.

Your Review does not funnel you toward one product. It ends with the path that fits your portfolio.

A

A 10-year portfolio plan

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

B

A lending restructure

If unlocking equity is the priority, straight to our lending team. No program required.

C

A single acquisition

If one well-chosen purchase is the right move, our buyer's advocacy team handles it directly.

D

Your own pathway

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

We accept no commissions, incentives or referral fees from developers, agents or sellers. Sometimes the right path is the smallest one.

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 around $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 equity could fund a new build that keeps negative gearing beyond 2027.

Path chosen: a lending restructure, then one new-build acquisition instead of a seventh established purchase.
Illustrative example

Everything held personally, a CGT clock ticking

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

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.

Your investment

One fixed fee, set by your portfolio's complexity, confirmed before we begin.

Begin 10-year portfolio planning within 90 days of your presentation and 100% of your Review fee is credited toward your planning and advice fee. Your Discovery session confirms which review tier fits.

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Not the right starting point?

The Review is for a portfolio you already hold. If your question is different, start here.

Building a portfolioCapital or equity to deploy across multiple properties under a 10-year plan.
See the Programs A lending questionHow much you can borrow, whether to refinance, or how to release equity.
Explore lending Securing a propertyA property in mind, assessed and secured against your brief.
See advocacy

Not ready to book yet?

Read the research behind every Review.

The Ramsey Report is where our in-house, PhD-led Property Economics research surfaces each quarter: the cash rate, lending conditions and dwelling values across the markets our clients hold property in.

Or get the Established Investor Guide

Get the latest Ramsey Report

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Questions investors ask us.

Should I own property in a trust, or in my own name?
There is no structure that suits everyone, and the right answer depends on details a website cannot know about you. Personal ownership is simpler and often protects borrowing capacity early on. Trusts and companies can offer asset protection and distribution flexibility, but add cost, complexity and sometimes lending limits. State land tax thresholds can change the comparison entirely. Grandfathering now separates what you already hold from what you buy next, so the analysis is different from a year ago. Structure is expensive to unwind, which is why it is worth resolving before your next purchase.General information only, not tax or legal advice. Assessed with our accounting and tax partners and referred to your accountant to formalise.
Do I need to restructure before 1 July 2027?
Not automatically. Restructuring can trigger capital gains tax and duty, so it has its own cost. What grandfathering does is split one question into two: what should stay as it is, and what should be repositioned before the settings change. Assets held on budget night keep negative gearing and the existing CGT discount. Assets bought afterward do not, unless they are new builds. Whether the benefit outweighs the cost is a calculation specific to your portfolio. That calculation is what Dimension 2 of your Review exists to do.General information only. Obtain tax and legal advice specific to your circumstances.
How do I know if my portfolio is underperforming?
Total portfolio value hides the asset that is dragging on it. We score every holding individually against our research framework: location grade, yield and growth, condition and age, and tenant risk. We also surface concentration by geography, lender, asset type and tenant. It is common for the weak asset to be a different one from the one you suspected. You receive a Portfolio Health Score and an Executive Portfolio Assessment.
Can I access more capital from what I already own?
Often, yes. Single-lender concentration is the most common reason equity sits trapped. When a portfolio grows with one lender, that lender's assessment becomes the ceiling on your whole position, even where another lender would view it differently. We review your lender mix, loan structures, buffers and concentration, and assess your borrowing capacity as lenders tighten their treatment of established stock.General information only, not personal credit advice.
My accountant already looks at this. Why would I need it?
Your accountant gives you the tax answer, and it matters. It sits downstream of the strategy answer. Our Review looks at strategy, structure, debt, asset mix and after-tax wealth together, then you take the findings back to your accountant to put in place. It is built to complement your existing advisers, not replace them.
Is the Review a way of selling me another property?
No. The Review ends with whichever path fits your portfolio: a 10-year portfolio plan, a lending restructure, a single acquisition, or taking the plan and acting on it yourself. Sometimes the right path is to do less. 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.
How long does it take, and what does it cost?
Twenty-one days from engagement to the presentation of your findings. The fee is fixed, set by the complexity of your portfolio, and confirmed with you before we begin. If you start 10-year portfolio planning within 90 days of your presentation, 100% of your Review fee is credited toward your planning and advice fee. Your Discovery session confirms which review tier fits.
What exactly changed in the 2026 Budget?
Property held on budget night 2026 is grandfathered: negative gearing and the existing CGT discount are kept. For newly acquired established property, negative gearing is wound back. New builds keep the benefit. 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 reducing borrowing capacity on established stock.General information about announced changes, not tax advice.

Your portfolio, planned, funded, protected and positioned as one.

Your first step is a complimentary Discovery session to confirm the Review is right for you and which review tier fits your portfolio.

Book my Discovery session Or speak with us directly on 1300 001 215
Book my Discovery session