The
Ramsey
Blog
An extensive library of property investment articles, market insights and wealth-building commentary - curated by our finance,
property and research teams. Every piece written to assist astute, committed investors make better, more informed decisions.
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?
PhD-validated suburb research identifies three Australian corridors with sub-1% vacancy rates and confirmed capital growth fundamentals. Updated for current market conditions.
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 Mortgage Advice team, 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 our 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?
More and more, as land becomes more scarce or in a market where interest rates are low enticing greater buying power from different markets, auctions are becoming increasingly more popular.
Book a complimentary Discovery Call with a senior adviser. We'll discuss your goals, answer your questions, explain our approach, and help you determine whether Ramsey is the right partner for your long-term investment journey.