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The Ramsey Blog


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


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.

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.

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. 

As the new year approaches, it’s the perfect time to set actionable financial goals. This article offers a step-by-step guide for property investors, from evaluating your current position to defining clear objectives. Discover how to align your resolutions with long-term investment strategies, leverage market opportunities, and stay on track with expert advice. Start 2024 with a plan to achieve your property investment aspirations!

Queensland’s $103.9 billion infrastructure investment is driving property demand and value growth. This article explores why interstate investors are flocking to capitalise on these opportunities. From enhanced transport links to economic expansion, Queensland is positioning itself as a hotspot for long-term returns. Discover how this infrastructure boom can boost your property portfolio and why acting now is critical to maximising investment potential.

Australia’s property market is renowned for its resilience, weathering global financial uncertainties better than most. This article examines the factors behind its stability, from consistent population growth and housing demand to government infrastructure investment. Discover why Australia’s diverse and decentralised markets rarely collapse and how these traits make property investment a sound choice for those seeking financial stability and long-term growth in uncertain times.

Success in Australia’s property market requires more than following broad trends. This article unveils a multi-faceted analysis method, examining growth indicators, suburb comparisons, and market conditions. It highlights the importance of qualitative data, development opportunities, and targeted research for informed decisions. Whether you’re an investor or homebuyer, discover how a tailored market approach can give you a competitive edge and help you identify high-performing areas.

Australia’s property market in 2024 offers compelling opportunities for investors. With ongoing population growth, rising housing demand, and shifts in lifestyle preferences, the market remains resilient. This article explores why now is the time to invest, detailing key economic trends, the impact of sustainability initiatives, and emerging investment hotspots. Learn how real estate can secure your financial future in a year primed for growth and innovation.

Investing in properties across multiple Australian states can unlock lucrative opportunities, but land tax complexities differ significantly between states. Without a strategic approach, investors may face unexpected costs. This article explores tax-saving strategies, highlights the importance of ownership structures, and provides actionable insights to optimise your investments. Discover how to navigate Australia’s diverse land tax system and maximise your returns through smart, multi-state property investments.

Navigating Australia's competitive property market without a Buyer's Advocate can lead to hidden costs and challenges. Without professional guidance, buyers may face significant time and effort expenditures, emotional decision-making pitfalls, lack of market expertise, and legal complexities. A Buyer's Advocate streamlines the process, provides objective advice, and ensures compliance with legal requirements, ultimately safeguarding buyers from potential financial and legal pitfalls.

In the labyrinth of real estate, finding lucrative investments is a daunting task. For Australian investors, Buyers Advocates emerge as essential allies, offering expertise that transcends their fees. Armed with insider knowledge, data analytics, negotiation mastery, and access to off-market opportunities, these professionals maximize returns while mitigating risks. Learn how their strategic guidance transforms investments into success stories.

The latest data from the Australian Bureau of Statistics defies expectations, revealing a remarkable 21.5% surge in investor mortgage commitments, contrasting owner-occupier figures. With investors outpacing first-home buyers, the market landscape evolves. Chief Economist Leith van Onselen sheds light on these trends, emphasizing the pivotal role investor sentiment plays in shaping the market's trajectory.

Sophisticated investors have an opportunity to capitalize on current property market conditions amid the Reserve Bank of Australia's (RBA) interest rate policies and broader economic factors. Here are some highlights and commentary from our Director, Ewan Ramsey on what this means for the broader market and specifically for our clients, strategic property investors.

Amidst the complexities of securing a home loan, the often-underestimated property valuation process takes center stage. Recent insights from the Australian Financial Review reveal substantial valuation discrepancies, impacting interest rates and Lenders Mortgage Insurance. Learn how adept borrowers rely on expert mortgage advice to navigate this critical phase, ensuring a fair deal aligned with their financial goals.

Prepare for the dynamic property market of 2024 with these 5 essential tips. Learn to develop a robust long-term plan, choose prime locations, and safeguard your finances with a buffer. Explore the significance of demographics and how they shape lasting wealth. Start your journey towards achieving your financial and lifestyle goals by undertaking the following.

Discover the significance of depreciation schedules in property investment for maximizing tax benefits and expanding financial portfolios. Gain insights into navigating depreciation calculations for new and older properties, and their impact on tax deductions. Learn about the optimal timing for claiming depreciation and the importance of seeking professional guidance. Elevate your understanding of property depreciation with expert insights.

As we step into the new year, it's the perfect time for Australian property investors to shape and refine their strategies for success. The property market is constantly changing, so having a clear understanding of your end game and forward-thinking approach is crucial.

There are different ways to think about wealth and where you want to be in the future.  Be it five, ten or even fifteen years - especially if you're considering property as an investment vehicle - in this article we explain what it really means to building wealth and and change your Net Wealth position for life.

Planning for your financial and lifestyle aspirations often takes a back seat to work and family responsibilities, so finding time to invest for your future goals can take a back seat. In this article you will read how you can maximise that time to invest while meeting all your life goals.

A buyer's agent works for you as the buyer, not the seller, and their job is to help you find the right investment property, with the right rental yield in the right growth corridor, at the right price. They become your expert property sourcing, negotiating I've left this unchanged but the word 'right' appears multiple times in the sentence and can be hard to understand by some readers.

Many Australians face the prospect of a retirement that increasingly doesn't align with their dreams and aspirations. With careful planning Australians during their working years can unlock strategies to invest in property that provides rental income and potential capital gains through increased values to help reach your above-average retirement goals.

What  can you do to avoid the fxed-rate cliff? Recently, former Reserve Bank Governor Ian Macfarlane warned that the banking regulator, APRA, will likely have to relax loan serviceability buffers if fixed-rate mortgage holders struggle to refinance their loans.

When looking at your first home loan, one term that you probably have heard of is LVR or 'loan-to-value ratio'. LVR is simply the amount of money you need to borrow as a percentage of the purchase property's value. Therefore, the larger your deposit, the lower your LVR will be.

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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.

Client Reviews

My partner and myself were referred to Ramsay property as we had a complicated loan set up consisting of us running a small business and a guarantor.

The loan came through all in time and the service was more than great

Would 100% recommend to any future buyers to get in touch with anyone in their office

Appreciate the help guys!

Doug - Complex Structure, Sydney

The team at Ramsey Property Wealth have been amazing to me and my family.

Even though we hit a few roadblocks along the way, they always came back almost instantly with a plan B to fix it, and they did. Thanks to them I am now a proud owner of a home and I couldn't be more grateful for their hard work and dedication.

They were with me every step of the way and never complained about my constant phone calls, emails and messages.

Thank you to the team at Ramsey Property Wealth.

Ramana - First Home Buyer, Brisbane

Thanks to the team at Ramsey Property Wealth we are in our first home! The help was fantastic throughout the build process with communicating to the bank and the builder to ensure it all went smoothly.

Skye - First Home Buyer, Brisbane

Ramsey Property Wealth customer service is second to none. They are always extremely helpful, efficient & friendly. We can’t thank them enough for what they have done for us.

Kathy - Owner Occupier, Melbourne

I recently sold and bought a property with the help of the team at Ramsey Property Wealth. I can't speak highly enough of their service, from my initial enquiry with the Managing Director Ewan, to their follow up after the properties had settled, their service was prompt, efficient, professional and simply took out all the stress of such a transaction.

Mark - Owner Occupier, Sydney

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. 

Blake - Property Developer/Investor , Brisbane

The service we received has been premium and of the highest standard. Thank you for helping us get in the market!! We can't wait to work with you again in the future.

Michelle - First Home Buyer, Melbourne

Ewan and his team are very professional and thorough. They chased up constantly on the financial institution to ensure that our initial loan and refinance were proceeding as quickly as it could.

Phil - Owner Occupier, Brisbane

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! ...

Sharon - Property Investor, Brisbane

Dion, Nardine, Jay and their team were absolutely amazing to deal with and Dion’s communication was fantastic. I was kept up to date every step of the way during the process and even when I had questions or queries, he took the time to explain everything I wanted to know, in depth at a level I could understand...

Stacey - Owner Occupier, Brisbane

I recently moved into a new home on the Sunshine Coast.  Being self-employed, finance can at times be a tad trickier to obtain.  Dion and the team at Ramsey Property Wealth did all the hard work for me and sourced fantastic, best-priced loan with a leading bank in record time....

David - Owner Occupier, Sunshine Coast

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...

Damian & Carolyn - Property Investors, Melbourne