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Applying a strategic property portfolio plan to improve the client's overall property performance, acquiring 2 investment properties


Peter approached Ramsey to enhance his underperforming property portfolio, which was yielding 2%, compared to market returns of 6-8%+.


The Ramsey team assessed Peter’s portfolio, identified underperforming investments, and proposed a 10-year property plan. They recommended setting up an SMSF with an external financial planner to improve his investment strategy. The in-house Mortgage Advisory team then began a complex lending process.

Following advice, Peter sold one underperforming asset and set up an SMSF to acquire 2 more properties aligned with his strategy.


Marvin, our Buyers Advocate, was tasked with finding two properties—one for personal purchase and one for Peter's SMSF:

  • Secured an off-market property in Queensland for the SMSF.
  • Negotiations were tough due to vendor’s high price expectations.
  • Informed Peter about the competitive market conditions.
  • Peter made an aggressive offer, meeting the vendor’s expectations.
  • A B&P inspection revealed minor maintenance issues, including high moisture in the master ensuite.
  • A $2,000 price reduction was agreed upon for remedial works.
  • Ramsey Mortgage Advice team structured the finance, with the valuation under the purchase price to avoid a shortfall.
  • Secured a $10K price reduction and extended finance and settlement dates due to complications with the SMSF borrower.


Before joining Ramsey, Peter couldn't find the transparency and specialized teams Ramsey offers. His returns improved, and his structure was optimized. He sold another poor investment, moving into high-yield investments to boost passive income, aligning with his retirement goals. By year-end, Peter will already be in a cashflow-positive position.