Property Health Check
Complimentary · Three minutes · Results on screen

Is your investment property working as hard as you are?

You've worked hard to build your property portfolio. Make sure it's working just as hard for you.

Three minutes. Your numbers stay private. Results on screen and in your inbox.

$871M+client property wealth managed
PhD-ledin-house property economics research
118 daysthe structured Ramsey Advantage® journey
Ewan Ramsey, CEO, Ramsey Property Wealth
What the check covers

What does your property actually do for you?

Cash flow and holding costs

What the property costs you each year after rent, interest and expenses, and what that means per week.

Equity and leverage

Your estimated equity and loan-to-value ratio, and whether the position is working for you or against you.

Hold, optimise or sell

A five-year scenario you can adjust, so the hold-or-sell question is answered with numbers rather than instinct.

Your next best move

Where this property sits in a portfolio strategy, and the questions a Portfolio Advisor would ask next.

A worked example, including the Detailed Property Diagnostic.

Why Ramsey Property Wealth

Why ask Ramsey Property Wealth?

Research-led. Concierge-delivered. Guarantee-backed.

Research-led

Dr Prabath Morawakage, our in-house PhD property economist, builds the market research behind every client strategy. The benchmarks in this check come from the same desk.

Concierge-delivered

Strategy, lending and acquisitions sit under one roof. A named team plans, funds, buys and manages the portfolio so it never becomes your second job.

Guarantee-backed

Four client-facing guarantees — Independence, Strategy, Property Match and Performance — stand behind the advice. We publish our benchmarks and report against them every year.

Before you start

What do investors ask before they start?

Is this personal advice?
No. The check is general information calculated from the figures you enter. It does not consider your objectives, financial situation or needs. It is designed to show you where to look next, and a Portfolio Consultation is where the personal conversation happens.
What happens after I see my results?
Your results are emailed to you straight away. A Portfolio Advisor may call to talk them through, and you can book a complimentary 30-minute Portfolio Consultation with Ewan Ramsey or Tim Dobson at any time from your results page.
Is my information safe?
Your figures are used only to calculate your results and to follow up with you, with your consent, about them. We ask for a suburb rather than a street address, and we never pass your details to developers or agents.

What if your next move isn't another property?

Is the one you already own working as hard as you are? Find out first.

Let's start with your property

Pick the question you most want answered. Everything else follows from it.

What is your primary question about this property?
Choose one question to continue.
How many investment properties do you own?
Select how many investment properties you own.
Suburb or postcode only. We never ask for a street address.
Enter a suburb or postcode.
How is the property owned?
Select an ownership structure, or choose Not sure.

Now the numbers

Estimates are fine. Round figures give a useful result; you can refine them with your advisor.

$
Enter a value between $100,000 and $20,000,000.
$
Enter 0 if the property is unencumbered.
Enter the loan balance (0 if none).
$
Enter the weekly rent (0 if vacant).
% p.a.
Enter a rate between 0 and 15.
Loan repayment type
Select the repayment type.
$
Rates, insurance, management, maintenance, body corporate. Leave blank to use $6,000.
Enter a figure between $0 and $100,000, or leave blank.

Your results are ready

Tell us where to send them. Results appear on screen the moment you continue.

Enter your first name.
Enter your last name.
Enter a valid email address.
Australian mobile. A Portfolio Advisor may call to talk through your results.
Enter an Australian mobile number (04xx xxx xxx).

We ask for a suburb rather than an address, and your figures are used only to calculate your results and follow up with you about them.

Your Property Health Check ·
Review recommended

Review recommended

Gross rental yield
—
Annual rent ÷ value
Loan-to-value ratio
—
Loan ÷ value
Annual cash flow
—
Before tax
Estimated equity
—
Before selling costs

Your property financial breakdown

Estimated market value
Outstanding loan
Weekly rent
Annual rental income
Annual interest
Annual operating expenses
Annual cash flow before tax
Weekly cash-flow position

Where is your money going?

Estimated annual income against holding costs.

Rental income
Interest and operating costs

Explore the five-year holding scenario

Projected value in year 5
Projected equity in year 5
Annual cash flow at selected rate
Five-year cumulative cash flow

Illustrative scenario only. Assumes unchanged rent, expenses and loan balance throughout the five years. Cumulative cash flow excludes tax, transaction costs and major repairs. Projected equity is not net profit or a return-on-investment calculation.

Go deeper

The Detailed Property Diagnostic

  • Lender-lens serviceability (buffered) against your real cash flow, so you know what a bank sees
  • Hold, optimise and sell compared over 5 and 10 years, with the numbers side by side
  • The four cash-flow levers quantified for this property, in dollars per year
  • Structure and tax notes for how the property is held
  • A one-page action plan keyed to your question

Instant on screen. PDF emailed. A Portfolio Advisor adds the Ramsey Research suburb snapshot within one business day.

$29AUD · incl. GST

Booked — check your inbox

Your Portfolio Consultation is confirmed. A confirmation email with the details and a short preparation note is on its way, and Hugo AI Concierge will call to confirm the time.

This is a preliminary, general-information assessment based on the figures you entered. It is not a valuation, tax opinion, credit assessment or personal financial advice, and it does not take into account your objectives, financial situation or needs. Ramsey Property Wealth Pty Ltd is an Authorised Credit Representative under Australian Credit Licence 389087.