Ramsey Property Wealth - Ramsey Advantage Advisory
The Ramsey Advantage® · Private Advisory

You have the capital. The question is what it actually supports.

You have the capital or the equity. What you don’t have is a plan that turns it into a portfolio built to a defined ten-year target — the point where continuing to work becomes your choice, not your obligation. That’s what the Ramsey Advantage is built to deliver.

  • See what $50K, $100K or your existing equity realistically supports — the arithmetic is below, before we ask you for anything.
  • Your debt structure designed before you buy, not arranged around a property you have already chosen.
  • One named team across many years of decisions — and in years you choose not to buy, you pay for the relationship, not the acquisition.
$900M+Under Management
4.9★Google Rating
5Program Tiers
4Written Guarantees
ACL389087
Complimentary · 20 Minutes

Book your Discovery Session

Speak with a Ramsey Portfolio Advisor about your position. You choose your time on the next screen.

Please enter your first name and surname
Please enter a valid email address
Please enter a valid Australian mobile number

Next step: pick a time that suits from your advisor's live calendar.

ACL 389087Your details stay privateNever shared

If you came here asking one of these, you're in the right place — and the answer is below, before we ask you for anything.

?"What's the best way to invest $100k in property?"
?"Can I use my equity to buy an investment property?"
?"How many properties do I actually need?"
?"Should I buy now, or wait?"
?"How much can I borrow — and keep borrowing?"
?"Is Brisbane property still worth it in 2026?"

Here's what we can show you from a web page: what's possible, and what to do next. What we can't show you is the how — that depends on your capacity, structure and timeline, and it's what a Discovery Session is for.

Start With The Real Question

What does your capital actually support?

Before strategy, before suburbs, before anyone shows you a property — this is the arithmetic that decides what is genuinely available to you. Select your position.

With around $50,000, the binding constraint is almost never the deposit. It is your borrowing capacity.

Deposit at 10% on a $600,000 purchase$60,000
Stamp duty, legals and inspections (varies by state)$20,000–$32,000
Lenders Mortgage Insurance if below a 20% depositLikely applies
Cash buffer held back after settlementNon-negotiable
Realistic positionOne purchase, tightly

What this means: $50,000 can begin a portfolio, but it rarely stretches to a $600,000 purchase once duty and buffer are honoured — and structuring it badly at this stage is what stops the second and third purchase years later. The decisions that matter here are which state you buy in (duty varies enormously), whether LMI is worth paying to enter sooner, and how the loan is structured so the next purchase stays possible.

With around $100,000, you have a genuine choice — and the choice you make determines whether this is one property or the first of several.

Path A — one purchase at 20% deposit, no LMI~$400,000 property
Path B — one larger purchase, accepting LMI~$700,000+ property
Path C — staged, structured for a second purchaseTwo assets over time
Stamp duty, legals and inspections$15,000–$40,000
What decides itYour serviceability

What this means: most people at $100,000 default to Path A because it avoids LMI, and it is frequently the weakest of the three. Paying LMI to hold a better-positioned asset, or deliberately buying under budget to preserve capacity for a second purchase, often produces a materially different ten-year position. Which path is right depends on your income, existing debt and how many properties you intend to hold — not on the $100,000 itself.

If your capital is equity in a home you already own, the question changes entirely — from how much you have, to how much you can release without compromising what you hold.

Typical accessible equity ceiling80% of value, less debt
$900,000 home with a $400,000 loan~$320,000 accessible
Whether the lender will release itServiceability decides
Cross-collateralisation riskStructure it separately
The real constraintCapacity, not equity

What this means: available equity and usable equity are different numbers, and the gap between them is serviceability. Plenty of people have $300,000 of equity and the capacity to deploy $80,000 of it. The structural error to avoid is allowing the new lending to be secured against your home in a way that ties the two together — it constrains every purchase after this one. This is a debt architecture question before it is a property question.

The honest answer to "what should I do with it"

Nobody can responsibly answer that from a web page, and you should be sceptical of anyone who tries. The figures above are structural arithmetic — they are not advice about your circumstances, because your borrowing capacity, existing debt, income structure and timeline change the answer completely.

What we can do is establish those numbers with you. In a 20-minute Discovery Session, a Portfolio Advisor confirms what your capacity actually supports and whether a structured approach fits your position. If it doesn't, you'll be told that. Book a Discovery Session →

The figures shown are illustrative structural examples only. They do not account for your personal circumstances, objectives or financial situation, and do not constitute personal financial, credit or tax advice. Stamp duty, Lenders Mortgage Insurance, lending criteria and acquisition costs vary by state, lender and individual circumstances. Borrowing capacity is determined by the lender. Seek advice tailored to your circumstances before making any investment or borrowing decision. Ramsey Property Wealth Pty Ltd is an Authorised Credit Representative of Australian Finance Group, ACL 389087.

The Ten-Year Trajectory

What happens if you do nothing — and what happens if you don't.

Set the two sliders to roughly match your position. The illustration compares holding what you own today against acquiring one or two further properties over the next two years, across a ten-year horizon.

Your Position
Property you own today$900,000

Total value, including your home.

Debt against it$400,000

Usable equity today: $320,000

Gearing on new purchases

Higher gearing buys a larger asset base and carries more risk.

If nothing changes, this is what it costs
$1.14M

That is the illustrated difference between holding your current position for ten years and acquiring two further properties over the next two.

Illustration on a single published growth assumption. Not a projection of your circumstances.

A · Do nothing
$1.21M
Net property wealth · year 10
Asset base $900,000 · no acquisition
B · One acquisition
$1.79M
Net property wealth · year 10
One purchase in year 1
C · Two acquisitions
$2.35M
Net property wealth · year 10
Purchases in years 1 and 2
Highest illustrated position
Ten-year comparison
Illustration only · net property wealth
Two acquisitionsOne acquisitionDo nothing
Your $730,396 breakdown

You've seen the gap. The breakdown shows where it comes from — and what would have to be true for it to be available to you.

  • All three scenarios, year by year
  • What your equity actually supports — the deposit, duty and buffer maths
  • The three constraints that decide whether this is achievable
  • A PDF copy to keep, and to show your accountant
Please check the fields above

By submitting, you consent to Ramsey Property Wealth contacting you about your illustration and a Discovery Session. The figures shown do not change based on your details — they are a general illustration, not personal advice. Details are never shared with third parties.

This is what's possible. The how is the harder part. Whether any of it is available to you depends on borrowing capacity, structure and the assets selected — which is what a Discovery Session establishes.

Already hold several? See the Review →
Assumptions behind this illustration
  • Capital growth: 6.0% per annum nominal on the total asset base — the midpoint of the 5.5–6.5% long-term Australian average band published in our Portfolio Program guide and used for our tier benchmarks. Actual growth will differ and may be materially lower.
  • Scenario A — do nothing: existing holdings only, grown for ten years. Debt held flat in nominal terms.
  • Scenario B — one acquisition: a single measured purchase in year 1, deploying about half of currently usable equity and retaining the rest as buffer. Grown for the remaining nine years.
  • Scenario C — two acquisitions: the same year-1 purchase, plus a second in year 2 funded from equity available at that point including one year of growth. Each asset compounds only for its remaining years, so the second grows over eight years rather than ten.
  • Why C exceeds B here: B deliberately deploys only part of your usable equity in a single purchase. C deploys across two years as equity re-accumulates. On capital growth alone, the same equity deployed at once produces a similar asset base — the case for staging in practice rests on serviceability recovery, rental contribution and equity re-accumulation between purchases, none of which are modelled here.
  • Usable equity: 80% of current value less current debt. Deployed equity is treated as roughly 78% deposit and 22% acquisition costs — stamp duty, legals and inspections. Duty varies materially by state and buyer type.
  • New borrowing is assumed at the gearing selected, against the new purchase. Whether a lender will advance it is determined by serviceability, which this illustration does not assess.
  • Net property wealth = total asset value less total debt. It excludes rental income, tax outcomes, holding costs, vacancy, maintenance, exit costs, and any effect of the 2026 tax changes.
  • Not modelled: your borrowing capacity, income, tax position, land tax, or the suitability of any property. These determine whether any scenario is actually available to you.

This tool is a general illustration, not a projection of your circumstances, and not a recommendation. The figures shown are identical for any person entering the same position and do not change based on the contact details provided. The information shown is general in nature and does not constitute personal financial advice. Past performance is not a reliable indicator of future performance. Modelled outcomes are based on current assumptions and may not materialise. Speak with a Ramsey Portfolio Advisor before making investment decisions. Ramsey Property Wealth Pty Ltd is an Authorised Credit Representative of Australian Finance Group, ACL 389087.

The Difference That Matters
The usual question
"What property should I buy?"

A single transaction. Answered by whoever earns a commission when you buy it.

The question we answer
"What is the smartest portfolio strategy over the next ten years?"

A sequence of decisions — structure, funding, acquisition, review — held together by one plan and one team.

Property selection is one decision inside that. It is not the strategy, and treating it as the strategy is why most portfolios stall at two properties.

Where This Gets You

The point isn't more property. It's the day work becomes a choice.

A portfolio is the vehicle, not the destination. What it's really building toward is the position where your assets carry themselves — and then carry you.

Where most start

Capital or equity, and no clear plan for it

A strong income, maybe one property or some equity, and a sense that it should be doing more — but no structured way to turn it into a portfolio that compounds.

Where the plan takes you

A portfolio that covers itself — then pays you

Multiple well-selected assets, structured so rent and growth service the debt, reaching a defined net-wealth position where continuing to work becomes something you choose, not something you need.

What makes that credible

Our clients hold an average of $3.6M in net property wealth. The Portfolio Programs are built to a defined ten-year net-wealth target — a specific position for your tier, not a vague aspiration — reached through researched acquisitions, correct structure, and lending sequenced so you can keep buying. The target is the plan's output. The freedom it buys is the point.

Representative client journey · illustrative composite, not a specific client
Year 0
  • One investment property, held passively
  • Roughly $200k in usable equity
  • Strong income, no portfolio plan
  • Unsure the next move was even possible
On the plan
  • A staged, multi-property portfolio
  • Equity recycled into each acquisition
  • Structure and lending set for what's next
  • Working toward a defined ten-year target

The shift wasn't buying more. It was having a plan that made each move deliberate — and knowing what the whole thing was building toward.

The representative journey above is an illustrative composite for explanation only and does not depict a specific client or a promised outcome. The $3.6M figure is an average across clients and is not indicative of any individual result. Ten-year targets are aspirational benchmarks modelled on long-term average capital growth, not guarantees. Past performance is not a reliable indicator of future performance. This information is general and does not constitute personal financial advice.

Not sure this is the right starting point?

Four doors into one strategy.

Programs is where most investors begin — but depending on where you are, another entry point may fit better. All four lead to the same integrated portfolio approach.

You're here · Programs

Building or scaling a portfolio

Model what's possible below, then book a Discovery Session to build the plan behind it.

See what's possible ↓
Reviewing what you own

Portfolio strategy & structure

You already hold several properties and the question is structure, entities, trapped equity or tax exposure. Start with the Review.

See the Review →
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 →
4.9 Google Rating
$900M+ Portfolios Managed
30+ Years Advising
5 Program Tiers
PhD-Led Property Economics
0% Commissions. Ever.
Ramsey Property Wealth industry award recognition 2019 to 2025
Recognised across 29+ industry awards · 2019 – 2025 · Featured in Forbes Australia
The 10-Year Aspirational Benchmark

Every tier is built to a defined 10-year target — the position where the portfolio starts working for you.

$1.5M+
Foundation 4–5 properties · from 0–1 today
$5M
Portfolio 7–9 properties · from 2–4 today
$10M+
Premier & Private 12–20+ properties · from 4+ today

Net Property Wealth at year ten. Not because property is magic — because structure compounds.

Figures are 10-year aspirational benchmarks for each program tier, expressed in Net Property Wealth against a typical starting position at that tier. They are modelled on 5.5–6.5% per annum nominal residential capital growth, in line with the long-term Australian average. Outcomes scale roughly proportionally to actual capital growth realised — a lower-growth environment will reduce these figures. These are aspirational benchmarks, not guarantees of investment outcome. Past performance is not a reliable indicator of future performance. Modelled outcomes are based on current assumptions and may not materialise. The information shown is general in nature and does not constitute personal financial advice. Speak with a Ramsey Portfolio Advisor before making investment decisions. Ramsey Property Wealth Pty Ltd is an Authorised Credit Representative of Australian Finance Group, ACL 389087.

Two Minutes, Before You Book

How Ramsey builds portfolios that compound.

The five-phase process every client moves through — and the three reasons professionals choose it over doing this themselves.

The Ramsey Advantage®

Discover · Plan · Fund · Invest · Optimise — 2 minutes

I

Original research, not a data feed

Dr Prabath, our in-house PhD economist, authors the suburb-level vacancy, yield and growth modelling behind every acquisition. Most firms resell a third-party dashboard. We build the analysis ourselves.

II

Strategy, structure, debt and assets under one roof

Debt architecture, entity structure and lending are designed before you buy, through our integrated Lending Advisory — so the plan is funded, not theoretical. Nothing falls between three separate providers who never speak.

III

Our revenue is on the line

Four written guarantees with financial consequences if we breach them, and zero commissions from developers or vendors. We are paid by clients only — which is the only way a recommendation stays independent.

What Happens After You Book

Four steps. No surprises.

Most hesitation comes from not knowing what you are agreeing to. Here is the whole sequence.

Days 0–3
Discovery

Your wealth target, household capacity, risk position and existing portfolio captured. Hugo, our AI Concierge, confirms your booking by SMS.

Days 3–28
Plan

Your Strategic Plan modelled and delivered — portfolio mapped against your target with a clear acquisition pathway. The Strategy Guarantee window opens for 14 days.

Days 29–53
Fund

Debt architecture, entity and lending structure designed and executed. You reach Buy Ready before a single property is considered.

Days 54–118
Invest & Optimise

Sourcing, due diligence, negotiation and settlement against an approved brief — then integration, property management and your first review.

You don't need to choose a tier. Your Portfolio Advisor identifies which of the five tiers matches your position — and whether this is an Execute year or a Hold year — during the session. That's what the conversation is for.

The Program Tiers

Five tiers. One will fit where you are today.

Your tier reflects the complexity of your portfolio and the depth of advisory you require — and it moves as your portfolio does.

Essential
Lending-Only Pathway

Mortgage strategy, loan structuring and full application and settlement support — without a full advisory program. The doorway into the programs.

EntryLending only
Foundation
Where Most Begin

Zero or one investment property, building toward your first or second strategic acquisition. Household income from $150,000.

$1.5–2M10-yr NPW · 4–5 properties
Portfolio
Initial To Scaled

Two to four investment properties, moving from an initial holding to a scaled portfolio. Household income from $250,000.

$5M10-yr NPW · 7–9 properties
Premier
Serious Scale

Four or more properties, often across trusts, companies or SMSFs. Household income from $400,000 and Net Property Wealth from around $3 million.

$10M10-yr NPW · 12–15 properties
Private
Most Complex

Six or more properties, multi-entity, with estate, succession or intergenerational considerations in play. Household income from $500,000.

$20M10-yr NPW · 18–20+ properties

Your Portfolio Advisor confirms your tier in your Discovery Session, and it is re-confirmed with you at every Anniversary. Full inclusions and the complete fee architecture are set out in the Portfolio Program guide, which your advisor will walk you through.

Engagement States

A program that flexes with your cycle.

Portfolios cycle between active acquisition years and consolidation years. Each engagement year, you operate in one of two states — and the decision is yours.

Execute
Active

For years in which you are actively pursuing one or more acquisitions. Acquisition readiness work is funded for the year — market research, structural review and finance coordination.

Your Portfolio Advisor commits to active acquisition search and execution support throughout the year.

Hold
Consolidation

For years in which you are not pursuing acquisitions, by deliberate choice. Acquisition-related fees do not apply.

The strategic relationship continues — performance monitoring, equity-release analysis and preparation for your next Execute year.

Hold is a choice, not a pause. Many of our most experienced clients spend years in Hold — waiting for the right macro position, working through a refinance, or consolidating after rapid growth. You declare your state at each Anniversary.

Client Outcome
"I was time-poor and didn't know the Queensland market. The team handled everything — research, negotiations, settlement — all remotely. I never needed to visit the property once."
Sam Carr · NSW Client · Queensland Portfolio

Testimonial provided with the client's consent. Reflects this client's experience and may not be typical of all clients.

Trust Must Be Earned — And Kept

Four written commitments. Zero ambiguity.

You Win. We Win. You Lose. We Lose. Every commitment is binding, measurable, and carries a financial consequence.

I

Independence Guarantee™

No commissions, incentives or referral fees from developers, agents or sellers. If we breach this, we refund 100% of every fee you have paid in the current engagement year. No cap.

II

Strategy Guarantee™

If you don't feel clarity or confidence after your Strategic Plan is delivered, you may terminate by written notice within 14 days for a full refund of fees paid that engagement year.

III

Property Match Guarantee™

In Execute years, a brief-aligned property within 90 days — or the relevant fees for that acquisition are refunded and none are chargeable on the failed brief. Applies to each acquisition cycle separately.

IV

Performance Guarantee™

If your Net Property Wealth growth doesn't reach the agreed milestone, no performance-based fee applies and a credit is carried against the following year. We win when you win.

The Ramsey Advantage® journey is supported by four published client-facing guarantees: Independence, Strategy, Property Match (90 days), and Performance. These guarantees apply to Portfolio Program clients — Essential is a lending-only pathway and the acquisition and performance guarantees do not apply to it. Refunds and credits are processed within 14 Business Days of acknowledgement. Full terms of each Guarantee, and the complete fee structure, are set out in the Portfolio Program Terms and Conditions and confirmed in your personal proposal.

Find out where you actually stand.

Twenty minutes with a Portfolio Advisor. You'll leave knowing what your capacity supports and whether a structured portfolio approach makes sense for your position — whether or not that involves Ramsey.

Prefer to speak now? Call 1300 001 215
Before You Book

The questions we hear most.

Some years the right answer is to wait, and any adviser who tells you otherwise without knowing your position is selling, not advising. What determines it is your borrowing capacity, your cash buffer, whether your current structure still suits you, and what you already hold. An investor with capacity and a sound structure may be well placed to acquire. One who is stretched, or whose ownership structure no longer fits, is usually better served consolidating or restructuring first and acquiring in a later year. Our engagement model has a formal Hold state for exactly that reason — it exists because "not this year" is sometimes the correct answer. This is general information, not personal financial advice.
The number is an output of a plan, not a target you set in advance. What sets it is the net property wealth position you're working toward, your time horizon, your borrowing capacity, and the quality of what you acquire. Our tier benchmarks range from four to five properties at Foundation through to eighteen or more at Private, reflecting very different starting positions. A smaller portfolio of well-selected, well-structured assets routinely outperforms a larger one assembled without a plan. Benchmarks are modelled on long-term average capital growth and are not guarantees of investment outcome.
Usually yes — but available equity and usable equity are different numbers, and the gap between them is serviceability. Accessible equity is typically 80% of value less what you owe. Whether a lender will release it depends on your income and existing commitments. Plenty of people have $300,000 of equity and the capacity to deploy a fraction of it. The structural point that matters more: how the new lending is secured. If it is tied back against your home, it constrains every purchase after this one. That is a debt architecture decision before it is a property decision.
Capacity is set by the lender against your income, existing debt and living costs — and it is the constraint that stops most portfolios at one or two properties. The reason is rarely deposit. It is that the first purchase was structured without the second and third in mind, so serviceability closes off earlier than it needed to. Lenders also assess existing debt differently from one another, which is why lender sequencing matters as much as lender rate. This is the work our Lending Advisory does before a plan is finalised, so the strategy is funded rather than theoretical.
A 20-minute conversation with a Ramsey Portfolio Advisor covering where you stand today, what your borrowing capacity realistically supports, and whether a structured portfolio approach fits your position. If it does, the advisor identifies which of the five program tiers matches your circumstances and books a longer strategy session. If it doesn't, you leave with a clear read on your position either way. There is no charge for this session.
Ramsey is paid directly by clients through transparent program fees — never by developers, property vendors, or any third party. This is our Independence Guarantee™: zero commissions, zero referral fees, zero developer incentives. If this commitment is breached, we refund 100% of fees paid. This structure ensures every recommendation is made in the client's interest, not influenced by undisclosed kickbacks — an arrangement common in the broader property advice industry.
Fees vary by tier, and by whether you are in an Execute year — actively acquiring — or a Hold year, consolidating. In a Hold year you pay for the advisory relationship and nothing more: no acquisition fees apply. Your tier and engagement state are established during your Discovery Session and planning stage, and your complete fee structure is confirmed in a personal proposal before you commit to anything. Your Portfolio Advisor walks you through it in full — there are no bundled or undisclosed fees.
A property investment advisor delivers end-to-end portfolio advisory — strategy, lending, acquisition, and ongoing management — whereas a buyer's agent transacts a single property. Ramsey operates as an advisory firm, not a transaction service. We plan multi-property portfolios over 2–10 year horizons, structure lending through our integrated Lending Advisory, acquire through our Buyer's Advocacy team, and review performance quarterly. A buyer's agent is one piece of a broader puzzle; an advisory relationship manages the whole puzzle.
Yes — the majority of Ramsey's clients are interstate professionals who never visit the properties they buy. Our Brisbane-headquartered team handles research, negotiation, due diligence, settlement, and ongoing management on your behalf, with remote-first concierge servicing and video strategy sessions. Australian citizens and permanent residents living overseas can also purchase without FIRB approval — we work with expat clients across Singapore, Hong Kong, London, Dubai, the UAE, and the United States through expat-specialised lending partners. Expat clients face specific tax considerations including non-resident CGT treatment and Foreign Resident Capital Gains Withholding. This is general information — not personal tax advice. Seek independent specialist counsel.