The Ramsey Advantage is our proven, purpose-driven framework for building sustainable property wealth. It combines strategic planning, expert execution, and ongoing accountability through our structured 12-month programs — giving you clarity, confidence, and results. We guide you through every phase, from discovery and planning to portfolio growth and performance tracking.

We specialise in supporting time-poor professionals — such as doctors, dentists, executives, and business owners — who want to build long-term property wealth without compromising their lifestyle or values. Whether you’re just starting or ready to scale, our programs are tailored to your goals, capacity, and experience.

Ramsey Property Wealth is 100% independent. We do not accept developer commissions, referral payments, or sales incentives — ever. Our advice is data-driven, client-first, and backed by measurable guarantees. We partner with you for the long term, holding ourselves accountable for your portfolio’s success.

We offer seven tailored Ramsey Portfolio Programs, each designed for a specific stage of your investment journey:

1. Foundation – for first-time investors.
   
2. Growth – for homeowners ready to expand to 3–4 properties.
   
3. Lifestyle – for those balancing wealth creation with lifestyle goals.
   
4. Elite – for high-income professionals targeting five properties.
   
5. Signature – for experienced investors building 6–8 properties.
   
6. Ultra – for advanced investors scaling to 10–12 properties.
   
7. Private – for high-net-worth families seeking legacy and intergenerational wealth solutions.
   

Our Program Selector helps identify the right fit based on your income, equity, portfolio stage, and goals. You can also book a complimentary Discovery Consultation, where we assess your position and recommend a tailored pathway to achieve your 10-year wealth targets.

Every program includes access to your advisory team, lending strategy, buyers advocacy, and portfolio oversight. You’ll also receive quarterly reviews, performance reports, and ongoing guidance through the Ramsey Portfolio Portal and App — giving you real-time access to your financial progress and portfolio performance.

Our 12-month process is structured around eight core steps:

1. Discovery Consultation
   
2. Strategic Portfolio Planning
   
3. Equity & Borrowing Capacity Review
   
4. Property Selection
   
5. Risk Mitigation & Tax Optimisation
   
6. Market Monitoring & Adjustments
   
7. Portfolio Execution & Review
   
8. Ongoing Accountability & Performance Tracking.
   

This ensures clarity, consistency, and measurable outcomes at every stage.

The average Ramsey client achieves over $3.5 million in net property wealth within 10 years through structured planning, disciplined acquisition, and ongoing optimisation.

We are bound by professional memberships and codes of conduct including PIPA, MFAA, and REIQ, ensuring ethical, research-backed, and client-first guidance. Our Independence Guarantee means if we ever receive an undisclosed payment from a developer or seller, we refund 100% of your fees — no exceptions.

We back our service with four written guarantees:

1. Independence Guarantee – No commissions, ever.
   
2. Strategy Guarantee – 100% money back if you don’t see value after the planning phase.
   
3. Property Match Guarantee – If we don’t secure a suitable property within 90 days, your Buyers Advocacy fee is refunded.
   
4. Performance Guarantee – If your portfolio doesn’t meet projected targets, we credit 30% toward your next program year.
   

You’ll receive:

• A dedicated Portfolio Advisor and Mortgage Advisor
  
• Access to the Ramsey Portfolio Portal
  
• Regular reviews and wealth reports
  
• Invitations to exclusive educational and networking events
  
• Ongoing accountability to keep your portfolio performing at its peak

Members have quarterly portfolio reviews (depending on tier) and access to ongoing mentoring, tax and structure reviews, and financial performance tracking. Higher tiers also include on-demand consultations and executive concierge support.

Yes. We’re licensed under the Australian Credit Licence (389087), offering in-house mortgage and finance advisory. This ensures your lending strategy is seamlessly integrated with your property plan.

The first step is to complete our online Program Selector