Ramsey Property Wealth | Loan service

Ramsey Property Wealth

Phone: +61 1300 001 215

Address: 21/ 76 Doggett Street Newstead 4006 4006

Website: http://www.ramseypropertywealth.com.au

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25.01.2022 Lender product training at Ramsey HQ! We are committed to continuous learning and development in the Australian mortgage/lending space to ensure our clients are up to date with lending, policy and the banks every-changing criteria, ensuring a consistent, premium service and experience. Furthermore, we are proud of achieving a staggering 54, 5 star Google reviews in the past 24 months we have been operating, the work my team does to maintain a continuous high level of service,... no matter if you're a first home buyer with loads of questions, a seasoned property investor with a complex structure or you are refinancing your home, is crucial to the comfort of our customers finance journey and in turn the ongoing success of Ramsey Property Wealth. See for yourself - https://lnkd.in/g3GYggr,,,

25.01.2022 We are thrilled to be working with the team at Renovating Australia on a new top secret project! Stay tuned for the full clip shortly, it was great to host you here at Ramsey HQ @renovating_australia

25.01.2022 Another happy Ramsey customer... Kylie and Matt settled on their new block purchased and financed by Ramsey Property Wealths Property Strategist & Director, Ewan Ramsey! Kylie & Matt came to us to refinance their existing property, we set them up with a low interest rate and also helped them on their way to purchasing their first investment property (construction is evidently about to start) with our customised property portfolio plan service which enables them to acquire 8 ...investment properties in total over the next 10 years! Want to work with us on building your property investment portfolio while we optimise your existing mortgage strategy and acquire investment properties guaranteeing you a return, like Kylie and Matt? Get in touch with Ewan today on 1300 001 215.

24.01.2022 Meet the Ramsey Team Romilla Matai Romilla Matai, Credit Advisor Why do you do what you do? ... I do what I do because I enjoy delivering savings to my customers and also being a part of their journey into home ownership. How many years experience do you have? I have more than 10 years experience in mortgage lending. Do you think these interest rates are the lowest they can get to? Why? The interest rates currently are picture perfect and possibly at their lowest. Why did you become a Mortgage Broker? I became a mortgage broker to continue and expand my job as a bank mortgage lender. What is your favourite place in the world and Why? Disney World for sure cannot wait to go back! Looking to work with Ramsey Property Wealth? For a confidential discussion on assessing your current loan environment, your finances, your home ownership goals/ property portfolio goals, click the link below for a 15 minute discovery call or call 1300 001 215.

24.01.2022 Don’t Cave into the Post-Christmas Sales As tempting as it might be and it IS tempting shopping the sales this Boxing Day may not be all it’s cut out to be. In the long term. We’re Mortgage and Property Investment Advisors so we naturally have your best (future you) interests at heart and our main focus is guiding you to a future wealth position with regards to paying off your mortgage faster.... Here are a few tips to help you get the best of both worlds during Christmas, whilst staying on track to achieving a debt free lifestyle sooner: 1. Closer to Boxing Day, and on the day, turn off notifications on your phone from your inbox and social media (who are we kidding right!) to resist the temptation of THAT Mecca Boxing Day email, or that Saba or Politix social media post promoting 50% off, or even that dreaded KOGAN text message with another bloody good deal! These tools are designed to hook you in and they’re really hard to escape. 2. If you can’t resist the temptation, set yourself a small but achievable budget to shop the sales to enable you to feel like you have rewarded yourself and purchased items at a smaller price than you usually would have (a saving in itself). OR 3. Have a small shopping list ready of items that you know you need or have really wanted to buy prior to the sales (and stick to it!). 4. Assess if you actually need the item that is on sale, and weigh up if it’s worth shelling out the money for it. Inching forward to paying off the largest debt you will ever have in your life (your mortgage) will enable you to ultimately pay less over the lifetime of your loan and that can equate to more cash later on to do whatever you please! Every dollar on your mortgage enables you to pay off your loan faster. We’re here to help you with several strategies on doing just that, speak to a member of the Ramsey Mortgage Advisory team today on 1300 001 215.

23.01.2022 Spilt Loans - An alternative to fixing your loan. - Cant choose between fixed or variable based on a change in your job, financial or personal circumstance? - Did you know you can split your loan between fixed and variable? - With interest rates at record low you could be asking yourself is now the right time to be fixing my loan?... You, like many of our clients, like the idea of low locked-in guaranteed interest rate but dont like the idea of having no flexibility or dont want to pay the associated break cost of leaving your loan should you sell/refinance later down the track.. Timing in the current cycle lends itself for you to take a look at the split loan strategy. This loan strategy gives you the ability to get the best of both worlds; a record low interest rate with guaranteed repayments AND a low variable rate that gives you the flexibility and the interest saving facilities like a mortgage offset. This strategy works particularly well in todays current circumstances where there is significant difference between variable rate and fixed rates. If you would like to know more about how this strategy help you pay off your home loan 10 yrs faster talk to one of our Mortgage Advisors today in 1300 001 215.

23.01.2022 Happy New Year! Here’s to a prosperous 2021 for all of us from your Mortgage and Property Wealth team!

23.01.2022 We are LIVE! We have launched our Property Portfolio Plans website showing customers what we offer in terms of helping them build wealth through property strategy. Take a peek, we would love to know your thoughts!... Interested in building your Property Portfolio Plan? speak with a member of the Ramsey Property Wealth team today on 1300 001 215 or follow the link - https://portfolioplans.ramseypropertywealth.com.au/

20.01.2022 Stamp duty waived for First Home Buyers in New South Wales! NSW First Home buyers do not pay stamp duty, do not pay LMI (Lender Mortgage Insurance) and now have access of up to $60,000 in cashback incentives. With interest rates as low as 2.19% p.a, now is a GREAT time to talk us about financing your first home.... Give our Mortgage Advisors at Ramsey Property Wealth a call on 1300 001 215 or click the link in our Bio to book in a time to talk to our NSW mortgage experts.

19.01.2022 Ramsey Property Wealth is growing! 2020 has been ironically strong in residential lending (especially for our clients in Sydney and Brisbane), the Ramsey brand is the strongest it has ever been & our referral partners & repeat business is continuous. We are now on the look out for a self-motivated Senior Mortgage Broker experienced in complex lending scenarios to join our team of dynamic, customer value driven Brokers.... If this is you or you know someone who would be suitable for this role, please apply below! https://www.seek.com.au/job/50615933 #mortgagebroker #property #financejobs #jobseeker #brisbane #premiumfinance #propertywealth

19.01.2022 Spring selling season has began! With interest rates still on hold since March. With current interest rates on hold again this month, for the 6th month in a row, the First Home Buyer and HomeBuilder stimulus packages in full swing and the beauty of Spring evidently starting to flourish (usually the strongest sale period of the year), home buying activity is looking positive especially in NSW and QLD. QLD led the race for the first week of Spring recording a stable 61% in auct...ion clearance rates, only slightly down from this time last year at 64%. Sydney, Melbourne and Adelaide reporting below that of last year, with Melbournes clearance rate evidence that Victoria is still suffering from the current lock-down restrictions.* Whats specifically exciting for buyers this Spring is the potential to lock in a mortgage whilst the interest rate remains at a record low. Whilst existing stock is scarce in some areas, the added value of the government introducing the HomeBuilder stimulus (available until 31st December 2020) to Renovators to assist in improving their existing home will see a portion of these hit the marketplace before the end of the year. With the First Home Buyer incentives, the largest they have ever been, in each state, and certain professionals out of work, this will also encourage first home buyers with job security to venture out and find themselves searching in an area they would usually find unattainable due to the slight decrease in home loan approved customers. Borrowing money for your first or next property has never been cheaper than right now due to all time low interest rates. With lengthy wait times on your approval at most of the major banks and consistent changes in banking criteria, as a mortgage professional, I would suggest anyone looking to buy in the marketplace now or in the next 4 - 6 months, to start their property finance journey today to ensure you are in a firm financial state and have your mortgage approval in place to confidently present your offer on your dream home Ewan Ramsey, Director at Ramsey Property Wealth stated. Talk to the Mortgage Advisors that know the banks credit criteria like the back of their hand, understand each important step of the home buying process and deliver a consistent, high quality service to make your home buying journey a seamless and enjoyable one. Call Ramsey Property Wealth on 1300 001 215.

19.01.2022 Why You Should Use a Mortgage Broker With interest rates at a record low for the 6th month in a row, you might find yourself starting to think about what you might do with the money you have saved in your bank account, start attending open homes in your chosen area, or you start to see how you might take advantage of the low interest rates and refinance your current home loan. Whatever your situation, using a Mortgage Specialist, a customer focused, committed industry profess...ional that works alongside the banks and observes multiple lending circumstances in any given day can save you a monumental amount of time, and also be that difference to you getting your home loan done in time, or even passed the banks lending criteria, which, thanks to COVID has tighten instrumentally. Reasons to use a highly qualified and experienced Mortgage Broker: 1. Great Brokers can give you options you might not have thought about based on their experience with similar lending situations or products you would never have come across walking into a bank or lending institution or that would be otherwise unavailable to you through retail offering. 2. Using a Mortgage Broker is more time efficient and convenient than having to do the research and deal with the banks overseas call centres and long wait times yourself. 3. Working with a Broker will enable you access to more than 1 banking product, more competitive rates that suit your needs and compare the lending marketplace and find something that suits your needs best. Brokers deal with smaller lesser known financial institutions all the way up to the big 4 and whilst a lower rate is a great option Brokers can also provide you with services that enable you to get your loan approved faster or borrow to certain age groups and professions, alongside the best rate possible. Ramsey Property Wealth is a highly accredited National Mortgage Broker and finalist in the 2020 Better Business Awards. To find out why our customers use us visit our 58, 5 star Google reviews or call us to book an appointment on 1300 001 215.

18.01.2022 RAMSEY RENO TIPS Statistics show, when it comes to renovating, that the best rooms in the house that drive up the value for eager buyers are the kitchen, the master suite and the bathroom/s (surprise surprise!). If you're really going for the top dollar, buyers may spear a few extra pennies for the wow factor this includes choice wall paper in the right areas that draw additional attention or the inclusion of a sauna and/or wine cellar (for obvious reasons!). ... For our renovator/refinancing clients, who want to add value to their home to enjoy this yourselves or to sell onto a buyer that loves all the lovely things, we suggest you follow the wonderful team @renovating_australia, for more helpful tips and tricks! For information on how to refinance your mortgage to renovate get in touch with one of our Ramsey Mortgage Specialists on 1300 001 215 or click the link in our Bio. from @tricklecreekyyc

18.01.2022 Nothing feels better than your name on the wall. Fresh Ramsey Property Wealth signage goes up today to signify a landmark 18 months in operation. In such a short period of time we have grown to a strong team of 5, have 46 (and counting) 5 star google reviews from satisfied customers, been awarded finalist at the 2020 MFAA Industry Awards and have moved into our own cosy office space. We continue to hit our growth goals and this is all thanks to our local Brisbane and Natio...nal customer and referral network who continue to trust the Ramsey team to handle their mortgage and property growth strategies. Today marks a special and humbling experience we are lucky to have considering the environment we are still operating in. Thank you for everyone involved with the growth and service delivery at Ramsey Property Wealth this is truly only the very start! Customers, if you like to experience the Ramsey service, click the link in our Bio and book a 15 minute discovery call with a member of our team to find out what mortgage/property growth needs we can help you with.

17.01.2022 2020; Is now the right time to build your investment portfolio? Now is the perfect time to buy an investment property, the cycle is right (as we recover from the affects of a global pandemic) and whilst most are battening down the hatches, there has never been a better opportunity to build a property portfolio by working with the right Mortgage Advisor, taking advantage of record low interest rates whilst assisting you in making smart purchasing decisions. Having the right... financial and strategic advice on your side is imperative. Would you walk into surgery unless you know you are being operated on by a registered Surgeon? Your property & finance advice should be treated in exactly the same way, as, like surgery, if not done correctly, can have a lifetime of lasting negative effects. Ramsey Property Wealth offers a unique Property Wealth Strategist service, a team of specialists that are mortgage advice accredited and property experienced experts that guide you to ensure you aren't flying blind and set goals associated with growing your Property Portfolio. Our Property Wealth team develop a customised strategic Property Portfolio Plan, just for you. And, should you wish, we can also execute this for you. Book in a time today to discuss our Property Portfolio Plans by clicking the link below https://buff.ly/2Dc1vbB

17.01.2022 Q&A SERIES: I have my first property & want to buy another, now what? Take the time to sit down and get to know your numbers by using a budget tool like Ramsey Property Wealths Wealth Desk, this will help you get a detailed understanding of your finances. Speak with a qualified Mortgage Advisor to understand what your potential borrowing capacity might be and get to know how much you can afford to repay per month whilst still enjoying your current lifestyle.... Obtain a valuation on your current property to understand what equity might be available and how best you can use it for any potential purchase. Talk to one of our Property Advisors about our custom Ramsey Property Portfolio Plans to help you build 6-8 properties in 10 years.

17.01.2022 WANT TO BUY A BRAND NEW HOME? Move into a new home and make the most of the Government Grant of $25,000 to singles/couples who build brand new homes; and for First Home Buyers choosing to build their new home up to $40,000 from the government. Check your eligibility for the Grant and get your pre-approval now. Book in a time with the Ramsey Team today by clicking the link in our Bio or call 1300 001 215.

16.01.2022 Premium advice & care. For every customer. Ramsey Property Wealth is known for our premium service offering, consistent customer care and expertise and guidance, each step of the way through your property journey Become a Ramsey customer. Book a time in with a Ramsey Property Wealth strategist on 1300 001 215.

16.01.2022 Welcome to Ramsey Concierge We do more for our customers than write you home loans, property portfolio plans and deliver specialist property education and advice Ramsey Concierge is an exclusive to our customers where we help you connect your utilities, internet, hire a removalist, cleaners etc. All for you, to make moving house easier.... Find out how Ramsey Property Wealth services their clients, making buying property all the much easier - https://buff.ly/30iAcGn

16.01.2022 Q&A SERIES: What is included in your Property Portfolio Plan? Using Ramsey Property Wealths unique technology & software, our qualified Property Investment & Mortgage Advisors will undertake an extensive cash flow analysis of all forecasted variables and assumptions to deliver you a detailed step-by-step Action Plan that will provide an insight into your: - Cash flow projections at retirement and for the next 40 years - Debt tracking, including debt elimination forecasts... - Interest savings calculations - Taxation estimates - Surplus cash flow options for enhanced wealth creation - Your Nest Egg projection (the wealth position that will provide you with your income for the rest of your life, post-retirement) - Superannuation position - Forecast wealth projection at retirement age - Forecast income projection at retirement age for your retirement - Graphical analysis illustration of what your future wealth position looks like See more

16.01.2022 Another congratulations to the Mortgage Advisory team for a wonderful 5 star Google review from Mark. We helped Mark with purchasing his next family home assisting him with adding another property to his portfolio whilst holding onto his current property to you as an investment!

14.01.2022 What is Lenders Mortgage Insurance (LMI)? LMI is an insurance policy protecting the lender (i.e the bank) from financial loss if the borrower (you) cannot afford to make their monthly home loan repayments. If the borrower defaults on their loan and the sale of the property doesnt make up the total value of the remaining mortgage, the lender will enact their LMI policy to make up the loss due to these circumstances. ... LMI is designed to protect the lender, by reducing their risk of lending money to you if you have a deposit for your property under 20%. LMI allows financial institutions to lend larger amounts and approve more home loan applications, if the customer does not have the 20% deposit required. How is LMI calculated? Lenders Mortgage Insurance (LMI) is a fee charged by home loan lenders. It is typically required by a lender if the borrower is borrowing more than 80% of the property purchase price. ... LMI is calculated as a percentage of the amount borrowed. The fee the borrower pays increases as the LVR and loan amount increases. How does it affect me? Do I pay this upfront? If you have under 20% deposit for your home at the time you purchase this; the lender will typically ensure you pay it upfront or add this to your home loan, this is a non-refundable payment. This means if you switch your loan to another lender, you wont be able to transfer your LMI to another lender. Can I avoid paying it? Yes, if you have a deposit greater than 20% of the total amount paid for the property, or by taking advantage of the government guarantee scheme. Want expert advice? If you are looking for a Home Loan or want to talk to an expert Advisor to ensure you do not pay more than you have to, during your search for your first or next property, contact a member of the Ramsey team today on 1300 001 215 or click the link below https://buff.ly/38ChUlj

13.01.2022 We are a brand built on professionalism, presentation, efficiency and solutions. We extend this by having a personal interest in well built, beautifully presented property and when it comes to additional value in property and the WOW factor, we just can’t go past this kitchen/stairwell combo! Image from @lanconqld

12.01.2022 June Lending Market Update The Coast is Clear but the Effects of COVID Continue: COVID has been recognised as one of historys most economically disruptive events and although the Australian government has lead the world, moving swiftly into action to reduce its effects, the ongoing impact on the economy still continues for many of us. ...Continue reading

12.01.2022 INVESTMENT PROPERTY PRE-APPROVALS: Now is the time to get your pre-approval for your new investment property. The Ramsey Team have been experiencing higher volumes of enquiry from customers who havent been significantly affected by the effects of the COVID-19 pandemic, using this time to get a pre-approval for their next or first investment property purchase.... With record low interest rates as low as 2.09% and many families/individuals out of the property market due to job loss. This has opened up a unique window of opportunity to those that have the capacity to take advantage of the situation. Whether you have consistent income or you are the owner of an existing home? We may also be able to use the equity in your current home to help support the purchase and work through multiple strategies to find the right one that fits your needs. Talk to a member of the Ramsey team to run you through a few numbers to put your mind at ease and call us on 1300 001 215.

11.01.2022 Meet the Ramsey Team Nerida Ashworth Nerida Ashworth, Client Care Specialist What does your job involve? ... I assist the team with inputting the loan applications as well as liaising with our clients to help make the loan application process as seamless and stress-free as possible. What do you love about your job? I enjoy working as a team to get a customers loan application to the approval stage and settled/funded and being able to exceed the clients expectations. How many years experience do you have? Ive been in the banking industry since I was 17 years old doing everything from telling, customer service, financial planning, branch managing and lending and have been in mortgage broking since 2016. How do you see the market moving over the next 12 months? I think the next 12 months ahead, as we continue to fully understand the global and domestic impact of these uncharted times and how it could influence the market, there is so much uncertainty at present on many levels, it is unknown. What is your favourite place to travel to? My husband and I would love to take the kids back to USA, especially New York, Boston, Washington area. Then later on in life, Mark and I would like to go back to Europe and spend a couple of months travelling around. What do I have to do to work with Ramsey Property Wealth? For a confidential discussion on assessing your current loan environment, your finances, your home ownership goals/ property portfolio goals, click the link below for a 15 minute discovery call.

11.01.2022 Proud Partnerships Drive Results These are the types of client/partnership experiences that drive us to continue raising the bar on the stale ‘Mortgage Broker’ stigma and a spot at the top of the leader board in the marketplace when it comes to servicing premium, time poor professionals. Our clients, Kath & Pat purchased in the exquisite Cornelia Edition, Minnippi residences developed by gold star property developer, Azure Developments.... With a strong development background ourselves, our maturity in the mortgage and lending markets and a deep understanding of banking scenarios & professional clientele structures, we worked with Julie from Azure to finance the client into their dream home with extra room for Teddy (the groodle) too! The entire process took 4 days to turn around with formal approval issued before the sales contract was even executed! Like every deal we do; the ongoing relationship and trust we formed from the very start, was the cherry on top.

10.01.2022 Another 5 star Review! Did you know Ramsey Property Wealth receives 1 five star google review 2 weeks. For a smaller business that prides itself on customer service and customer success this speaks volumes on our performance.... Whether you have a complex lending scenario, you are a first home buyer or someone wishing to restructure/refinance to a smoother home loan option, we provide you with a premium, 5 star service. Always. Contact Ramsey Property Wealth today on 1300 001 215 or click the link in our Bio to book in a 15 minute home loan discovery call.

09.01.2022 Strong partnerships for better client solutions Our Director Ewan Ramsey and Peter Nastrom Director at Ultra Group catching up for a chat about all things industry best practice in finance and residential construction. Peter runs a similar business to ours and offers a premium high-end service proposition for his clients building premium residential homes. He has evidently taken the time to establish strong seamless end-to-end processes with the goal to support a highly pos...itive client experience whilst helping them achieve the right outcome in the residential home building process, much like ourselves. We love supporting like minded businesses and their clients and it was a pleasure to visit the Ultra offices, evidently as Bespoke as their custom property builds! See more

09.01.2022 How can I consolidate my debt, save money and still buy my next property? Right now, you need to be reviewing your current financial situation, looking for ways to reduce your monthly commitments and expenditure and, well..save money. By doing this you are making room for larger purchases in life, like an investment property that can provide you with a return. Most Importantly, take advantage of the current cycle (given the state of the worlds affairs) to buy your next prop...erty? One of the simplest ways to do this is by consolidating unsecured high interest rate debt like credit cards, car loans, and buy now, pay later services into one monthly repayment. There are 2 ways to consolidate; fixing this into a low rate personal loan or consolidate this debt into your home loan by using a side by side facility that will not add years or additional interest onto your home loan, instead, save you hundreds of dollars a month in repayments. By following these key steps below you can easily identify hundreds of dollars a month that could be used to finance your new investment property purchase: Lets go right back to the start and review these key tasks to help you into a position to purchase your next property: Use money management tool like Ramsey Property Wealths Wealth Deck which can help you identify savings in your everyday household expenditure like reducing your multiple TV subscriptions to 1, turning off Uber Eats and the likes, and also reviewing your existing credit card, car loan repayments, electricity, phone, healthcare, internet rates AND your current interest rate on your home loan. Combined, these make up a seemingly large deposit... Use a comparison site like Ramsey Concierge to compare reduce & review rates by getting comparison quotes and switching to a cheaper more economical service or reducing removing the cost centre altogether. Consider switching to interest only repayments for a short period of time (if you are in a position to do so), while this is not always advisable it can be a great strategy to save money by applying these savings to high rate debt. Review your current home loan rates, a short 15 min call with one of Ramsey Property Wealth Mortgage Advisors could potentially identify hundreds of dollars in monthly mortgage repayment savings when applied to your home loan. This alone could allow you to pay your home loan off 10 years faster and this service costs you absolutely nothing. If you have applied these findings and are ready to buy your investment property but don't know where or how to get started the Team at Ramsey Property Wealth can take you through our custom built Property Portfolio Plans, suited to your personal and financial situation and matched to your property goals. Click the link below for a short 15 min discovery call today or call 1300 001 215.

09.01.2022 Meet the Ramsey Team John Sinatra Who are you? John Sinatra, Senior Credit Advisor Why do you do what you do? ... It is the joy in helping clients and assisting their home journey either as a first home buyer, or as an aspiring investor. Having been on the other side as a buyer, investor, and credit assessor with the bank, this gives me a better perspective when looking after their financial well-being. I feel the value when I help customers along with tips and advice that clients may not have known to save them money in the long run. How many years experience do you have in Lending? 8 years. What is your favourite meal? Spaghetti Carbonara! What are your thoughts on the current lending market at the moment? It is a good time to pay off debt or buy another property if your circumstances allow as interest rates are at a record low and the property market is softening, meaning you could potentially get a bargain out there. Do you have any tips for clients getting through this difficult time (COVID-19)? Have yourself sufficient insurance cover for an unexpected situation to cover your home loan. Lots of people have cover for car and health, but not their home loan. Review your current home loan with your mortgage broker as pausing your home loan repayment may not be the best solution (as it still potentially incurs interest and you end up paying more in the long run). For a confidential discussion on assessing your current loan environment, your finances, your home ownership goals/ property portfolio goals book in a time to meet with John on 1300 001 215.

08.01.2022 Q&A SERIES: I have my plan, what next? Speak with one of our qualified Mortgage Advisers about getting your pre-approval in place for purchase of your next investment property. Sit down with a Property Wealth Strategist/Buyers Agent who will help you locate properties that will fit your Property Portfolio Plan requirements.... Talk to us about your Property Portfolio Plans today by calling 1300 001 215.

08.01.2022 Dont forget to take advantage the Government Grant of $25,000 for all contracted renovations greater than $150,000! Now's a perfect time to update that classy old bathroom or build out that new man cave you've been dreaming about. Contracts need to be signed between the 4th June - 31st December 2020.... For further advice on eligibility or to assess your borrowing capacity call the Ramsey Team on 1300 001 215.

07.01.2022 Q&A SERIES: What is a Property Portfolio Pan? Is a bespoke and customised Property Investment Portfolio Plan that considers your current financial situation showing you, in detail, how, in your current personal and financial situation, you can acquire 6-8 profitable investment properties over the next 10 years. Its a step by step road-map to help you shrink debt and build long term wealth in property.

07.01.2022 Ramsey Tips PRE-APPROVALS Are you hunting in the market for your first home, next home or perhaps an investment property? Feel more secure knowing how much you can spend, here is a pre-approvals checklist to make searching for your next property a whole lot easier:... Commit yourself! A property is a long-term commitment for it to be worthwhile, so the very first step is to evaluate your budget, constraints, and future obligations. Get your finances in order & stop spending money unnecessarily: Time to get serious and clean up you finances this includes completing detailed review of all your income and monthly expenditure. Yes that includes Uber Eats, Deliveroo, Credit Cards and Afterpay accounts! Using a Money Management Tool like Ramsey Property Wealth Desk will help you get a detailed understanding of your finances and where you can reduce your monthly living expenditure. Seek professional advice: The next step is to seek professional advice. Its your opportunity to ask as many questions needed to alleviate any uncertainty you may have. Whether you are chasing a great rental return, maximum capital growth or tax effectiveness, speaking to one of our Property Advisors will help you make the correct property investment choice. Get your paperwork in order: As well as proof of your current income, employment, debts and loans; gather any paperwork that helps support your character/circumstance in the application. Eg. If you have been a long-term tenant, get a 12-month tenancy legibility that proves your ability to make regular repayments. Before applying for a loan, minimise your current debt load, and if possible, reduce the limit on any credit cards you have, as this is perceived by lenders as potential for debt. Get a pre-approved (credit assessed) loan It is advisable to have a fully assessed pre-approval before you start your search, as this will allow you to make an offer once you have found a property you like, being competitive and secure that you have what you need to agree to the property. It is vital that your approval has actually been credit assessed and is not just an automated pre-approval from some high-tech bank. This will ultimately lead to disappointment when it comes time to actually settle the purchase. Our customers are securing great deals nationally in the marketplace due to the continuance of the effects of the recent pandemic. Securing a property now could potentially see you in a stronger spot in the future. We want you to go house shopping in confidence with a pre- approved loan placing yourself in pole position to purchase your first/next home. The team at Ramsey Property Wealth will get to know your current situation, know which banks to work with to make your home loan strain a little easier. Talk to us today on 1300 001 215.

07.01.2022 After a mammoth 2020 which included an office move and refurb, an unsuspecting global pandemic, the introduction of the HomeBuilder Grant and the launch of our highly anticipated Property Portfolio Planning service the Ramsey team are off to play Santa while the children sleep, hang the mistletoe and try and score a kiss from Mrs Claus, dust off the surfboards and stock the fridge with low-carb beers and ingredients for our annual Christmas Pav! We will cease trading for 2020 on Wednesday 23rd December and return again to welcome you on Monday 12th January 2021, bright as a button! We want to wish our wonderful clients and social media community a Merry Christmas & a Happy New Year to yourselves, your family and friends and have YOU to thank for such a wonderful year.

06.01.2022 Q&A SERIES: Who should consider a Property Portfolio Plan? Anyone interested in shrinking debt and building long term wealth through property investment. Established Property Investors The benefits of this review are enormous, the knowledge around future cashflow ensure the astute investor can make quicker and more informed decisions when adding to their property portfolio.... First Home Buyers Wishing to understand their level of affordability, knowing what they can borrow and what amount they can purchase with a focus on the next best move for them, setting them up for long term success. Those looking to refinance their current home loan This review will highlight the benefits of refinancing and will also highlight if refinancing is worth it in the first instance. All households or individuals who are keen to build greater passive income and want to stop trading time for money.

06.01.2022 With interest rates as low as 2.19% and cash back offers of up to $3,000 talk to our Specialist Mortgage Advisory Team today about your new home loan or refinance (one or multiple). Click the link in our Bio or call the Ramsey team today on 1300 001 215.

06.01.2022 Our 5 Star Service Ramsey Property Wealth has over 50, 5 star Google Reviews and we dont stop there! The largest portion of our business is from genuine referrals and repeat business, see how we can help you build wealth through careful mortgage strategy and property portfolio planning.... Click the link below for a 15 minute discovery call with a member of the Ramsey Team to experience a higher level of care and service when it comes to your mortgage needs. Click the link to book in a time to speak with us https://buff.ly/2O1XZCU

06.01.2022 What Does a Property Wealth Strategist Do? You wouldnt knowingly seek medical advice from an unqualified doctor would you?You want to get better, not worse. Your Property/Finances should be treated the same. When starting out in property and accumulating wealth through a property portfolio there are a multitude of mistakes and wrong turns that can occur causing long lasting damage to your financial/personal situation much like the wrong advice from an unregistered medical pr...ofessional. Ramsey Property Wealth is Queenslands first integrated Mortgage Advisory that also offers Property Portfolio Plans aimed at not only optimising your home loan position year on year, but using this to build your own property portfolio and in turn property wealth. Our Property Wealth Strategists work with you to assess your personal/financial circumstances, assess your property goals, set a plan for you to achieve a target of 6-8 properties acquired over 10 years and monitors/manages this for you. With access to off-market property stock and Real Estate industry experience our Wealth Strategists are there to guide you through the purchasing and investment ownership lifecycle. Looking to start or grow your property portfolio to 6-8 investment properties over 10 years? To access a member of the Ramsey Property Wealth Strategy Team today, Click the link below to book in a time - https://buff.ly/301LQVQ

05.01.2022 The devil is in the detail... When it comes to budgeting for your reno, it can be a difficult task and one we have personally been through before. What areas of the home do you save on and what items do you splurge on? In our opinion, when it comes to flooring, cabinetry and stone there are some pretty competitive products and pricing out there to ensure you save your dollars by selecting hybrid or engineered products that are just as good if not better than more expensive f...inishes. Pre-built cabinetry can also be a good option if you dont need a custom size which enables you the additional budget to spend on the things you LOVE. Some splurge areas that make a huge difference to the look and feel of your entire kitchen are your door knobs and handles, we LOVE the folks at @hepburnhardware (where we have pinched this pic from)! And if you really have the appetite, (har har) and you LOVE you cooking like we do, we recommend selling the hubbys motorbike or old golf set to make way for a @Miele Flex induction cooktop! The versatility of placing your cooktop anywhere (including the island bench top) and having a cooktop with an inbuilt exhaust fan inside it, adds a sleek finish to the entire kitchen area and gives you extra cupboard storage! We love property, mortgages, kitchens and renovating! Talk to us about how we can refinance your existing home to make way for your home renovations today on 1300 001 215.

05.01.2022 Our Director, Ewan Ramsey talking with the team at Renovating Australia on everything money from the lending market post COVID, tips on how to pay off your mortgage faster and how a Mortgage Broker can help you in your renovation Journey. https://msha.ke/renovatingaustralia/ Visit their page and get listening!

05.01.2022 Got your tax return back? Invest this in property Its tax time! Woohoo! For some of us the single and only time of the year we accumulate a lump sum payment. Your tax return could go a long way towards setting yourself up for the long- term and by placing this aside and for some of us, adding to this slightly more, to form a house deposit.... To give you an idea of just how far a good deposit goes: - If you are a first home buyer in Queensland. For as little as an $8,000 deposit you can buy a brand new property (house and land)... yes, you read correctly. - With all the current grants and incentives that are out in the market until the end of December 2020, what you do with your tax return this year, can mean you score yourself a brand new property for your first home. from as little as $420,000. For this period in particular (June - December 2020) our customers are taking advantage of the following: - First home buyers low deposit scheme which ensure you pay no LMI (Lenders Mortgage) which is a cost saving of $13,000 to the average First Home Buyer - PLUS the HomeBuilder Grant of $25,000 cash back when you buy and build a new house - PLUS the QLD FHB Grant of a further $15,000 cash back - PLUS some builders in the marketplace are giving you a further head start by issuing a $10,000 cashback when you build your first home with them. That's a total of $55,000 (plus savings from avoiding the obligatory LMI charges. What's more is that your house will take time to build giving you more time to focus on saving small amounts of money so you can pay this off quicker in the long term. We are here to help you from start to finish and are specialists on the First Home Buyer journey. To see what other First Home Buyers think of us head over to our 50 Google reviews and to book in a time with a member of the Ramsey Mortgage Advice team give us a call on 1300 001 215 or click the link https://buff.ly/2O3fJh4

05.01.2022 Property Investor Debate: Interest Only or Principal and Interest? Do I structure my mortgage on Interest Only or Principal and Interest? This is a common debate and point of discussion within our property investment network and indeed something worth weighing up, particularly now, in a current environment where interest rates are at a record low. Assuming we put individual circumstances and goals aside, here are some scenarios to consider:... 1. The positive features of Interest Only lending exist purely around the "Cash is King" concept. Paying just the interest on your home loan will have a significant flow-on effect to your liquidity and overall cash position, ultimately leaving you with the accessible surplus cash and use to work even harder for you (take advantage of the current market situation and purchase property when there is limited competition etc.) 2. Having said this, in this current environment, with a cash rate set to drop even further to a never-before-seen record low rate, now might be the most opportune time to consider paying down the Principal component of your Mortgage as well? What option should you consider? Everyone's lending scenario and personal situation is entirely different and the options above weigh heavily on your past, current and future financial state, goals and plans. Ramsey Property Wealth’s Mortgage Advisory Team review your entire situation, work with you to understand your property/financial goals and your current mortgage appetite to assist you in making the right decision. Book now for a complimentary discussion regarding your property investment portfolio. Phone 1300 001 215 or click the link in our Bio.

05.01.2022 Hitting the beautiful Brisbane waterfront @blackbirdbrisbane celebrating the power of team-work, trust and being the best you can be, every day. We are grateful to employ such dedicated, genuine and humble people that make a difference to our clients mortgage and property experience. Cheers & Merry Christmas everyone!

02.01.2022 "Tis the season to be jolly!" We are joining thousands of elated children, families & households this week and putting up our first ever Ramsey Corporate Christmas to mark the much anticipated silly season!

02.01.2022 More budgeting strategies to save for your first/next house deposit! Budget, a word that gets thrown around a growing household once a month as the children grow and expenses get bigger, or tied into your new year's resolution EACH year; and almost always involves setting over ambitious goals in the beginning, to only see us fall off the bandwagon and back to our old, comfortable habits the following month. What if there was an easier way to do it, a system that makes sense a...nd allows us to track, manage and help keep you accountable toward this? Thats half the battle. Right? First things first; Here is a little guide to a budgeting strategy that might work for you. Work out exactly what cash you need for essential living like rent/mortgage, utilities, food and car/transport, childrens annual school fees etc.This should equate to approx 40 - 50% of your income. Put this away into a bills,fees, rent account that continuously gets used for everyday needs. Work out the costs for the nice-to-have items/things - This includes a monthly allowance for comfort items like Sunday brunch, your gym membership, TV subscriptions, dinners that awesome outfit you saw in the store window etc.These items are considered a nice to have but not essential to living and should equated to 30% of our hard earned pay (short term happiness we work hard for!) After you have spent your income on living and items that bring you joy, the final 20% should be put towards long term goals, like a house deposit for your first home, your second investment property and other items that assist you in building long-term wealth. This budget strategy is called the 50/30/20 rule and ensures that you get everything out of your weekly pay that enables you to live, be rewarded for your hard work and also concentrates on saving for future investment to allow you to build more wealth. If you every day or nice to have expenses are less, this enables you to build more money into your long-term wealth plan. Even better! We go one step better, whilst you set this up, we help you monitor and follow this. By being a Ramsey Property Wealth customer, we give you access to our Ramsey Wealth Desk app that allows you to track this and help us help keep you honest! When it does come time to crush that goal, buy your first home or investment property, wealth deck allows us to help form your application with the bank and with your savings record we help manage this process via out seamless end-to-end digital process, making life easy for you to enjoy the fruits of your labour! Get started with your long-term property goals, with us. Call us for a 15 minute discovery call with a member of the Ramsey mortgage team today and we can help you achieve your long term goals. Call us today on 1300 001 215 or click this link https://buff.ly/38ChUlj Credit: Andrew Woodard, 50/30/20 Budget Strategy.

01.01.2022 RAMSEY REVIEWS! Another 5 star Google Review and positive customer mortgage experience we are proud to share. The customer is at the centre of everything we do here at Ramsey Property Wealth and if you want to experience the same 5 star service give our Mortgage Advisory Team a call on 1300 001 215.

01.01.2022 5 Steps we take to build your Property Portfolio Plan: Shrinking debt and building long term wealth in property requires a specialist advisor, a strategic plan and a dedicated team to execute. Here are the 5 steps we follow to help our clients build wealth through strategic finance, property advice and delivery... 1.Discovery Our discovery session helps uncover your property wealth goals and aspirations We dive in and identify your current financial situation and the challenges you face day to day and understand the lifestyle you want to enjoy in the years to come. 2.Evaluate Once we are clear that we can help improve your financial position, we evaluate the information weve uncovered, and carefully consider strategic opportunities that will help you reach your goals and help you achieve your maximum financial gain. We focus on strategy We work together to develop the right strategy unique to your personal and financial situation 3.Stratgey We construct a custom plan plan, offering a strategy that aligns best to you. During this stage, we request a Strategy Development Meeting to present your plan and adjust/fine-tune as required, explaining what we've set out for you to achieve 6-8 properties in 10 years. 4.Implement Throughout implementation, our team will proactively guide you through the process while keeping the additional paperwork to a minimum, you wont have to jump through hoops blind-folded and part of our strategy is to make this process seamless and efficient for you as possible when it comes to finding and acquiring the properties that match your plan. 5.Monitor and Grow All good strategies need to be measured and monitored regularly. alongside our purpose-built Property Portfolio Plan to suit your needs, we continually measure the market and products and provide feedback/adjustments so our clients are able to make the best of the opportunity property ownership can bring. The result of Ramsey Property Wealths bespoke Property Portfolio Plans and working with a team that genuinely works to see you succeed. To talk to the Ramsey team on how a Property Portfolio Plan can help you book in a time by clicking the Booking link in our Bio or call 1300 001 215.

01.01.2022 Merry Christmas to you and your loved ones from the entire team at Ramsey Property Wealth!