At the start of your property investment journey, it can be confusing. All your friends and family have well-intentioned opinions and “advice”, in today’s technological world there is a plethora of information available online. But so many different sources of intel can make start spinning until you don’t know your property pros from your property…
Articles by Andrew Mirams
Andrew is a leading finance specialist who holds a Diploma of Financial Planning (Financial Services). With over 32 years of experience in finance, Andrew has been acknowledged by the mortgage industry with multiple awards. Visit IntuitiveFinance.Com.Au
Property stakeholders often feel a little nervous about a bank valuer visiting. After all, valuers show up, poke around and then send a verdict to the lender about whether the price paid, or estimate made, ‘stacks up to market’. It can feel like there’s bad news pending, particularly in a softer property price cycle like…
What is a mortgage offset account and how can it benefit property investors? With all the different mortgage options available and the mortgage offset account often touted as a major feature of the loan, it pays to know how to use it to save money and get ahead on your mortgage repayments. Mortgage offset…
When you buy real estate for the first time, you sometimes come across a bunch of unfamiliar terms. What’s conveyancing? What’s a pre-settlement inspection? What’s a trust account? And another term that is probably relatively unusual to new developers or investors is “easement”. So, in this article, we’ll outline what an easement on a property…
As the nation settles into its post-pandemic reality, a host of challenges have arisen – and one of the big ones has been trying to house our population. A look across metrics described the way rental and homeownership stress have become entrenched. Renters are in dire need of places to stay at reasonable price levels,…
There is nothing quite as exciting as buying your first home. Homeownership has become a rite of passage in Australia – a marker that you are successfully moving into a new phase of life. But part of the reason it’s so satisfying is that there are challenges to be overcome as a first homebuyer –…
The Reserve Bank of Australia (RBA) has been under extreme pressure to tackle rising inflation by increasing interest rates. Their moves in 2022 proved necessary, but I think it’s time they pause. If they don’t it risks plunging our country into an entirely preventable economic collapse. While the idea of calling an end to rate…
Settlement Day is the most exciting day in your property purchasing journey. For less experienced property buyers, the day the vendor hands over the keys to your new house can be a nerve-wracking, stressful, or sometimes very emotional journey. In this article, we talk about what happens on Settlement Day so that you’re prepared for…
An increase in the official cash rate by the Reserve Bank of Australia (RBA) has caused concern across Australia’s lending and property landscapes. The ratcheting up of the rate has resulted in headlines proclaiming that blown-out loan servicing costs and reduced borrowing limits spell Armageddon for property prices. While I recognise the need to attract…
We’ve been living in tumultuous financial times. The RBA’s previous suggestion that interest rates would hold at their low settings until 2024 went out the window in May this year. Spiking inflation saw the Reserve raise the cash rate by 0.5% in May this year. Monthly increases continued, and the cash rate has now gone from a…