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FIND OUT HOW YOU CAN UNLOCK EQUITY AND INCREASE YOUR BORROWING CAPACITY
CHOOSE AUSTRALIA’S HIGHLY AWARDED MORTGAGE ADVISORY FIRM TO REFINANCE YOUR MORTGAGE
Our team of highly experienced, qualified Mortgage Advisors take the time to understand your unique situation, refinance goals & requirements and complete a comprehensive property portfolio analysis to provide recommendations on the following:
- Restructure & refinance your loans to increase borrowing capacity
- Reapportion debt to maximise tax effectiveness of your investment property portfolio
- Unlock equity in your home
- Diversify your portfolio to enable continued growth of your investment properties
- Identify interest savings to create surplus cash flow for enhanced wealth creation.
Speak to our expert Mortgage Refinance Advisors today
CLIENT CASE STUDY:
BRAD & SUSANS REFINANCE AND RESTRUCTURE FOR MAXIMUM SAVINGS
Brad and Susan, two sophisticated investors had a combined household income of $160,000 per year and $42,000 of savings in their bank account. They came to Ramsey with a goal to stop trading time for money and create a sustainable stream of passive income to suit their future lifestyle.
Brad & Susan’s Portfolio Refinance is a tale of strategic wealth-building and intelligent financial decision-making. This case study chronicles their quest to build a long-term plan that would revolutionize their financial landscape.
Step 1: Refinance and Restructure for Maximum Savings
We initiated the process by meticulously refinancing and restructuring their existing facilities, generating monthly savings of $622. Taking advantage of this newfound financial flexibility, we implemented an accelerated debt repayment strategy allowing Brad and Susan to pay off their mortgage 8 years faster and saved them a staggering $272,392 in interest.
Step 2: Maximizing Tax Effectiveness for Optimal Returns
We delved into their existing debt structure and consolidated their investment lending to an 80% Loan-to-Value Ratio (LVR) and we enhanced tax effectiveness within their portfolio. This strategic move paved the way for accelerated wealth accumulation.
Step 3: Accelerated Repayment Strategy for Freedom
To expedite their journey towards financial independence, we introduced an accelerated repayment strategy. By utilizing the savings identified in Step 1, Brad and Susan made additional repayments on their Principal Place of Residence (PPR). The results were astonishing—22 years and $28,124 in interest saved.
Step 4: Seizing New Opportunities
In their pursuit of wealth creation, Brad and Susan embarked on a new purchase—a property worth $600,000. Learn how they seamlessly navigated this crucial milestone with expert guidance and support.
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 CASE STUDY:
Overall rating: 4.9
We have been so impressed with every member of Ramsey Property Wealth. Ewan, Emma, Cody and their teams have all made starting our investment portfolio straight forward and hassle free. We have particularly been impressed with the time they have put into building a trusting relationship with us. Their professionalism and confidence is market trends makes moving forward with purchasing properties an easy decision. Thank you team.
23. February, 2023.
The team at Ramsey Property and Wealth have provided my wife and I with an exceptional service. The strategies prepared are well informed, contemplate current and future market conditiins, and are tailored to our bespoke needs. We felt like we were in safe hands every step of the way and would highly recommend them to anyone considering financing, re-financing, and building an investment portfolio. 10 out of 10!
23. February, 2023.
Emma and her crew worked very hard and long to secure a refinance loan for me. They have been patient and understanding. I would highly recommend them. Thank you, guys, 👍🥂
17. February, 2023.
Great team capable of tailoring the best strategy for your specific portfolio. Great communication, quick turnaround, and they certainly go above and beyond for their clients. I will certainly be using them again!
16. February, 2023.
OUR TRUSTED LENDING PARTNERS
We have access to over 52 lenders in our lending panel
Having worked for over 15 years in the industry, we understand the market and bank lending.
We are the experts in complex lending for property investors.
And many more lenders available. Speak to us to find out more.
WHO WE ARE
We are a premium Mortgage Advisory & Property Investment Planning Firm servicing time-poor professionals Australia wide whom value strategic professional advice and require more than a home loan itself, but have a goal in mind of building a profitable property investment portfolio achieving financial freedom sooner.
With customer service delivery built into our ethos, we understand the complexities of structuring your home loan and more importantly, we house the expertise on how to close the gap between what the banks want and what our client needs.
We pair this with multiple extension and education services to strategically plan and execute a long term property investment strategy, customised to your unique situation.
ENQUIRE ABOUT REFINANCING
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