Max & Sally are $554,000 ahead of their own wealth plan. In Year 2.

Max and Sally are dual income professionals with a combined household income of over $308,000. They came to Ramsey Property Wealth with a primary residence in South-East Queensland, no investment portfolio, and a 10-year wealth target of $4.2M+ in net property wealth.

The plan came first. The properties came second.

The Starting Position

The couple held a strong primary residence in SE QLD - purchased at $1,120,000. They had equity, superannuation on track, and a clear wealth-building intent. What they didn't have was a structured, benchmarked plan to deploy that equity - or a Senior team to execute it across strategy, lending, and acquisitions under one roof.

That is what our 10 year Property Portfolio Program delivered.

The Execution

Through the Ramsey Advantage® - a 118-day structured journey from financial modelling to settlement - the team built a property portfolio plan with published benchmarks before a single property was selected. Debt architecture was modelled first. The equity release from the primary residence was structured to fund the first acquisition without drawing on savings.

The four execution pillars:

Debt architecture modelled and equity released prior to property selection
Buyers agent secured a property at $41,150 below the portfolio-modelled acquisition cost
High-growth corridor targeting WA, a 16.7% suburb growth and a new build positioned below suburb median
Through their financial Advisor, superannuation was tracked alongside property - one integrated plan, not fragmented advice

Measured Results - The Year 2 Benchmark

Every result below is measured against the published portfolio plan targets set at their Ramsey program commencement.

Primary residence: $1,533,500 - 12.6% CAGR vs the 4.0% target. $290,683 above plan.
WA property was purchased at $579,850, valued at $774,000 at practical completion - 33.5% above purchase price, $153,000 above our portfolio-modelled cost
Rental secured at $650/week - 5.83% yield on purchase, 9% above the program-proposed rate
Gross portfolio value: $2,307,500 which was $447,500 ahead of plan
Total positive variance against program targets: +$554,000
Usable equity available now for their current acquisition in 2026: $494,745 at 80% LVR

Why This Result Was Produced

The portfolio is not outperforming because the market got 'lucky'. It is outperforming because the strategy was modelled before the market moved.

The primary residence growth rate exceeded the portfolio program assumption by 8.6 percentage points. That outperformance was captured because the equity was structured for deployment - not left sitting. The WA acquisition was sourced below modelled cost in a suburb running at 16.7% annual growth, with a rental yield 9% above the proposed rate. Superannuation for both members is running ahead of the 5.34% planned benchmark because it was tracked from day one alongside the property plan.

This is what one team, one plan, and published benchmarks produce for astute investors seeking a competitive advantage.

What Comes Next

$494,745 is available at 80% LVR from the primary residence - sufficient to fund the deposit and acquisition costs on a $550K established property without drawing on the clients savings. The 3-year base case projects a gross portfolio value of $3.39M. The 10-year portfolio plan target of $4.2M+ net property wealth remains on track.

Book a Discovery Session →

Ramsey Property Wealth have $579+ in client property portfolios under management and scaling.
*The Ramsey Advantage® is a registered trademark of Ramsey Property Wealth. Client portfolio outcomes are specific to this client's circumstances and do not constitute financial advice. Past performance is not indicative of future results. All projections are modelled estimates.

Who is Ramsey Property Wealth?

Ramsey Property Wealth is a Brisbane-based property wealth advisory firm with $579M+ in client property portfolios under management. The firm operates a 15-person team across Sydney, Brisbane and abroad, and offers five portfolio program tiers - covering strategy, lending, and acquisitions under one roof. Clients range from first-time investors to those managing multi-property portfolios across multiple states.

What does working with Ramsey actually involve?

The engagement follows the Ramsey Advantage® - a 118-day structured journey. It starts with a Discovery Session where your financial position, equity, income, and wealth target are modelled. If there is a program fit, a personalised property wealth portfolio plan is built with published benchmarks before any property is selected. From there, the lending team structures the debt, the Acquisitions Specialist sources and secures the property, and the advisory team tracks performance against the portfolio plan at every scheduled review.

What does it cost to engage Ramsey Property Wealth

Fees vary depending on the program tier and the complexity of the portfolio acquisition. Full fee transparency is provided before any engagement is confirmed. The Discovery Session itself has no fee.

Do I need to already own an investment property to work with Ramsey?

No. Some clients come with equity in an existing home, as Max and Sally did. Others come with savings and no property at all. The starting point that matters is household income, borrowing capacity, and a clear wealth target. The Discovery Session models what your current position makes possible across a 5 and or 10 year horizon.

Does Ramsey only buy property in Queensland?

No. Ramsey sources properties nationally not just in Queensland. The clients portfolio in the above success story includes a primary residence in QLD and an investment property in WA. Property selection is driven by the strategyfirst and foremost and the portfolio planning benchmarks - not by geography or Adviser proximity like other Buyers Agents offerings.

How long before I see results?

This depends on the program and the market conditions at time of acquisition. In the client case above, the first investment property reached practical completion approximately 17 months after the program commenced, with $194,150 in capital growth at that point. Results are tracked against published the portfolio plans benchmarks - not against general market indices - so performance is assessed against the specific targets set for each client at program entry.

What is the minimum income or asset level to work with Ramsey?

Ramsey's programs are designed for professionals with a household income from approximately $180,000 upward and meaningful borrowing capacity. The specific serviceability requirements depend on the program tier and the debt architecture required to execute the portfolio program. The Discovery Session is the appropriate place to establish whether your position qualifies for a specific program.

How do I start investing with Ramsey Property Wealth

Book a Discovery Session at ramseypropertywealth.com.au. The session is conducted by a Senior Portfolio Wealth Adviser and covers your current financial position, wealth target, and what a structured program could produce over your chosen period of time.