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.
In the ever-evolving landscape of home loans, one critical aspect often overlooked is the property valuation process.
Here are the 5 fundamentals for property success this year for new and seasoned investors.
Here’s how a depreciation schedule can help you maximise your tax return to use towards your next investment property purchase.
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.
The industry is full of property houses, acquisition suppliers, intermediaries and buyer's agents demanding your attention but how do you know who is genuinely working in your best interests? And what is their version of a ‘property portfolio plan’?
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.
Aspiring first-home buyers facing affordability hurdles can soon tap into dual federal government support.
The type of investment property you buy, location, and features will primarily be based on your property wealth strategy.
Investing in property can help you achieve your financial and lifestyle goals. For many first-time investors, it can seem overwhelming to know where to begin.
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.
The latest figures from the ABS show that our love affair with property continues even during the rising interest rate cycle. Here's how our guide to how you can get started in property investing.
Around 2,300 Australians are taking advantage of a better deal on their home loan, choosing to refinance their mortgage after eleven rate rises since April 2022.
Like most homeowners, you may need to know that you will be liable for a land tax when purchasing an investment property. Unlike stamp duty which is the one-off amount paid when you buy a home that will be your principal place of residence.
For people who find the experience unsettling when applying for a home loan, this article provides seven tips for applying for a home loan to help the application process go as smoothly as possible.
Constant headlines, media speculation and the weekend conversation amongst family and friends will likely confuse you about the right time to invest in property.
Negative gearing means borrowing money to buy an asset. It is often a tax reduction strategy used by investors. When an asset, in this case, a property, produces income (e.g. rent) that is less than the expenses that occur, it makes a loss.
With the Reserve Bank due to meet again for the first time in 2023 this month, many homeowners and property investors will be watching
closely.
Will they raise the cash rate again? And what does this mean for mortgage holders who locked in a fixed rate during the height of the
pandemic?
When it comes to investing, knowing WHERE to invest is just as important as knowing WHAT type of property to invest in. This article will give you the tools on how to interpret trends in the Australian Property Market and make your next move.
As we start 2023, there’s no hiding from the fact that there are challenges for those investing in property. But what does this mean when it comes to making money from your investment property?
Whether you’re a seasoned property investor or a first-time buyer, there are ways you can reduce mortgage stress and protect yourself against rising interest rates. How? As property wealth management and mortgage experts, we’ll share our wisdom on how to ride the wave of the property market’s highs and lows - ensuring you move forward on your path to purchasing more properties.
Andrew is a successful residential developer and he’s been working with our Senior Mortgage Advisor, Dion, for the last 12 months on his client’s property finance needs. After devoting so much of his time and attention to making other people’s dreams a reality in Property, Andrew decided it was time to purchase his own investment property. And, after working with Ramsey closely, via his client's Development deals, he decided the next natural step was to continue working with Dion and his team.
With money on our minds in the current economic climate, we’re all looking for ways to save. As a homeowner, no doubt your mortgage is your
most significant expense and when you started on your mortgage journey you might have a low-interest rate, but as time has passed, your home
loan might not be giving you the best financial outcomes you would have projected.
Refinancing seems scary but it can save you a considerable amount of money every month and set you up for a better financial future.
This short blog will take you through how refinancing actually saves you money and if you’re best suited to the strategies we
outline.
A quick scan of the headlines can give you a very negative outlook on the property market. With the focus being on an inevitable market correction and drop-off in home values. So, it’s understandable that, as a home buyer, you might be delving into a bit more research or opting for professional advice before making your next move. But how much of this negative news should you listen to and what worries can you cast aside? Today, we want to approach this head-on. Giving you a clearer idea of what to take on board and what aspects of the media’s property perception may not be relevant for you.
Has your portfolio hit a brick wall? You’re not alone. With interest rates where they are today, cash that once was saved for your next step is now being spent on keeping the properties you already have, potentially stunting your goal towards financial freedom.
It doesn’t have to be like that, we want to take you through our 6-step process we like to call ‘Flipping it on its head’. We’ve used this
strategy with many of our clients who have been lumped with poor cash flow and are unable to move forward. Let’s dig into it....
With the property market and finances being somewhat volatile, purchasing an investment property may seem risky business. However, with knowledge and specialist expertise on your side, you could not only seek to position yourself firmly on the investment property ladder but also make substantial financial gains. So in this article, we’ll guide you on how to best approach purchasing an investment property in this market.
Have you been holding out from investing after seeing home prices reach new heights? You’re not alone and thus changes to the Federal Government’s Home Guarantee scheme have made it all the easier for some buyer groups to purchase a home. In this article, we’re going to unpack the complexities of the scheme, how it applies in different areas of Australia and the steps you can take to apply.
A glance at property forecasts can make you worry about the value of your property decreasing in price or delay you from further progressing
your property portfolio. But do you actually have anything to be concerned about or is this just how the property market works?
Let's take a look....
Most mortgages are spread out over 25 to 30 years, but it doesn’t have to be that way. With a few simple strategies you can take years and thousands off your loan, and it’s much easier than you might think.
There are multiple stages in the property buying journey and it all starts with having the right home loan strategy from the very beginning and working with a Mortgage partner to consistently review this for the life of your loan.
Is one of your goals to own multiple income producing properties but you are cautious of how or where to start?
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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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!
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.
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.
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.
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.
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.
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.
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.
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! ...
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...
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....
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...