Stay informed with industry articles and actionable tips designed to help you maximise and accelerate your property investment journey to building genuine, lasting wealth through smart property investment
From classic single-key homes to innovative co-living spaces and specialist NDIS properties, each option serves a different purpose within a
long-term strategy.
In this blog, we break down five of the most popular property types, their benefits and drawbacks they best suit so you can have a
clearer, more confident conversation with your Portfolio Advisor.
Building a property portfolio beyond one or two investments is a common ambition among Australians - but making it happen requires more than just buying properties. One of the most critical factors in scaling a successful portfolio is managing your cash flow effectively. Without it, even the most promising assets can become financial burdens, holding you back from growing further.
Building lasting wealth through property is rarely the result of short-term wins or lucky timing. More often, it’s the product of careful
planning, informed decision-making and consistently reviewing your approach as life and markets change.
In a property industry that often focuses on transactions and commissions, many investors miss the value of long-term, unbiased advice. Yet,
this is one of the most important factors in achieving sustainable success.
As the end of the Australian financial year (EOFY) approaches, smart property investors know this is the ideal time to take stock. A thorough review of your investment property portfolio before June 30 can offer significant tax advantages, along with greater clarity and control for the year ahead. Here's why it’s essential, and how you can benefit both now and in the future.
Are you chasing capital growth or cash flow—and do you actually need to choose?
In this must-read guide, Ramsey Property Wealth unpacks the differences between positive and negative gearing, and
why successful investors use both to build long-term wealth. Discover the strategic role each plays, the hidden risks of getting it wrong,
and how a tailored plan can give your property portfolio the balance it needs to perform in any market.
Investing in property is one of the most popular ways to build wealth in Australia. With the potential for capital growth, rental income, and long-term financial security, it’s no wonder property remains an attractive investment choice. However, diving into the property market without a well-thought-out strategy can lead to costly mistakes and missed opportunities. Having a clear investment strategy not only helps mitigate risks but also ensures that your financial goals are achievable.
Australia’s housing crisis has reached a tipping point. With rental affordability at an all-time low, construction delays worsening, and
supply failing to meet demand, policymakers are scrambling for solutions. Yet, one group that should be part of the solution, property
investors, is being sidelined.
The 2025 Federal Budget introduces targeted measures to address housing affordability, infrastructure gaps, and cost-of-living challenges. While short-term pressures may temper price growth in specific segments, strategic opportunities emerge in regional markets and prefabricated housing. Investors must balance inflationary risks, interest rate trends, and policy-driven supply increases to optimise portfolios.
The Australian property market is shifting, and investors need to be more strategic than ever. With rising interest rates, supply shortages, and policy uncertainty, those who succeed will be those who adapt.
When our Director, Ewan Ramsey attended the Australian Financial Review Business Summit 2025 last month, a sobering
reality check was delivered on the state of the housing market.
Australia faces a severe housing supply shortage, driven by rising construction costs, restrictive policies, and productivity challenges
in the building sector.
For property investors, depreciation is one of the most effective yet often overlooked strategies for reducing taxable income and boosting cash flow. By understanding how it works and leveraging it properly, investors can unlock significant financial benefits. This article delves into the mechanics of property depreciation, explores its tax advantages, and provides practical tips for maximising its potential in your property investment journey.
Ramsey Property Wealth is a multi-award winning property investment and mortgage advisory firm, recognised for our diversified
service offering, allowing customers to shrink debt and build long term wealth through strategic mortgage strategy, property planning and
acquisition.
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I have had an excellent experience working with Ramsey Property Wealth. They recently helped me refinance my mortgage, and the process was
smooth, transparent, and far less stressful than I anticipated. Their team took the time to explain every step clearly, ensuring I
understood my options and felt confident in the decisions I was making.
What really sets them apart is their ongoing support. I'm currently working with them to purchase my first investment property, and their
guidance has been incredibly valuable. They’ve provided expert advice not only on financing but also on strategy and property selection,
which has made a huge difference in how I approach investing.
If you’re looking for a knowledgeable, supportive, and trustworthy team to assist with your mortgage or investment goals, I highly recommend
Ramsay Property Wealth.
Our experience with Ramsey's team has been nothing short of exceptional. From the very beginning, each step of the process was smooth and hassle-free. The team ensured we were well-informed at every stage, clearly communicating what was happening and outlining what we could expect next. Their professionalism and dedication have made us feel supported and confident throughout the entire journey. We are looking forward to continue our collaboration with Ramsey's team, knowing that we can rely on their expertise and commitment to excellence.
My husband and I couldn't recommend Ramsey enough. With very little time to do market and property research ourselves the team at Ramsey have alleviated any stress and made the process for us so simple. Adam especially has taken so much time to correspond with us after hours as we have recently moved overseas. If you are looking to expand your portfolio without the added stress I'd highly recommend Ramsey.
About a year ago we wanted to get some guidance in property investment; We had dealt with a Ramsey competitor in the past but weren’t
entirely convinced by them hence wanted to looked elsewhere. We found Ramsey through an internet search and the reviews I read on internet
seemed good so we decided to have a chat to them to see how they could assist and how they compared. From the start they came across as very
professional and accomodating and more importantly we felt that their advice was tailored to what was best for us…… not what suited them
best in terms of commissions (this is what we missed in the past with their competitor). As we liked what we saw we decided to engage them
to develop a plan and guide us through the steps of property investment.
So far we are very happy with everything they have done for us. Whether it is organising the finance, managing settlement of the investment
property, advising on agents or solicitors, it’s all managed well, in a timely fashion, transparently and cost effectively….. and it takes a
LOT of work away from us while we’re getting expert advise which is exactly what we were after.
The refinancing deserves a mention specifically; Steve and his team took care of it and did an excellent job comparing different options and
negotiating the most suitable and stress-free solution for us. It took him some time to convince us (or me specifically) but in the end I’m
glad we listened to his advice as it was spot on and we haven’t looked back.
Very happy with Ramsey and I look forward to progressing our property investment “journey” with them!
Ewan and his team have put together countless client finance packages and recently my own home and development project. They are massively solutions focussed and ensured everything happened on time. I particularly love their automated system that kept us up to date with each step.
Throughout our journey, Ewan has been encouraging and his unwavering confidence that we would achieve our goal was a driving force for us to
persevere & continue with building.
Ewan really does take the time to explain each step and process professionally and thoroughly especially as the build process is new to
me! ...
We've been working with Ramsey for a couple of years now and currently in the process of purchasing our second investment property. The whole team at Ramsey have been great and are all very dedicated to making sure everything runs smoothly and efficiently. This second time around has been made even better by Acacia who has been absolutely fantastic. Acacia works incredibly hard and her professionalism, knowledge and quick responding to all our questions, concerns and requests has been so appreciated and taken all the stress out of the whole loan process. One of the best things about Acacia is that she has always been available when we need her the most and we cannot thank her enough. If you're thinking of building a property portfolio then seriously consider the team at Ramsey and definitely request to work with Acacia. Thanks everyone.
I would like to thank the Ramsey Property Wealth team for what has been an excellent outcome in all aspects of the restructure of our complex situation involving multiple banks and 9 properties. Your responsiveness and assistance has made the process easy for us to achieve a better financial outcome...