Articles by Andrew Mirams

Andrew Mirams

Andrew is a leading finance strategist who holds a Diploma of Financial Planning (Financial Services). With over 27 years of experience in finance, Andrew has been acknowledged by the mortgage industry with multiple awards.Visit www.intuitivefinance.com.au


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Sydney has certainly been our nation’s benchmark market – and it’s obvious why. Around 60 per cent of all transactions occur in and around the capital. This gives it substantial weight in any national analysis. We’ve also noticed that some observers who proffer their opinion about the ‘Australian property market’ are often simply describing Sydney’s…

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Every day I’m still staggered by the complacency of everyday Australians and how either unwilling or ignorant they are when it comes to the interest they pay on their home or investment loans. Despite big reductions in interest rates over the past few years, a recent survey found a huge number of Australians would never…

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The events of the past year have prompted a lot of current and would-be mortgage holders to consider whether they should rush to lock in their loan interest rates with a fixed product. Rates have tumbled thanks to multiple cuts by the Reserve Bank and the fixed rates on offer from banks and other lenders…

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In the world of a property investor, there are almost countless measures, terms and phrases to get acquainted with that help you determine your future and current position, viability and long-term outlook. For landlords, one of the best indicators of your financial stakes is the rental yield. It’s a quick and easy snapshot of how…

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There’s no doubt that securing a mortgage for a home is an involved process, with lots of paperwork, assessment and hoop-jumping. But generally speaking, you’ve got a decent deposit on a solid property that’s worth what you’re paying, no credit blemishes on your file and a good salary to meet repayments. You know how much…

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Like me, you’ve probably been following the monthly median price results for property markets around Australia with keen interest. What a difference a year makes! If you cast your mind back to this time last year, we were faced with a vastly different environment – monthly declines, very low levels of activity, a blow-out in…

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Buying your first home is a rite of passage for most young Australians. Having a place to call our own is a key part of our psyche so it’s little surprise that first homebuyers are prepared to put in the hard financial yards to turn that dream into a reality. Buying your first home can…