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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


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.

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.

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.

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?

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. 

Your Multi- Award Winning, Trusted Advisors



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