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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Imagine being paid by your bank to take out a mortgage for your next home purchase? It sounds like a pretty laughable scenario – pie in the sky sort of stuff that would never eventuate. Except it has in Denmark, where Jyske Bank is offering 10-year home loans on a -0.5 per cent interest rate….

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There’s nothing quite like an interest rate cut to inspire borrowers to shop around for a better home loan deal. And why not? The Reserve Bank of Australia has taken the official cash rate to a record low of 0.75 per cent, and while banks haven’t passed on all of those cuts, they’ve slashes the…

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For a while there, it seemed like just about every investor you’d speak to was tapping into their superannuation nest eggs to buy real estate. Seven or eight years ago, as major property markets in Sydney and Melbourne began their last boom cycles, there were four letters on everybody’s lips – SMSF. Self-managed super funds…

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The share of new medium and high-density dwellings (units) has increased across Australia’s capital cities to meet the demand for affordable homes. But is this a positive outcome for the residential property market and housing affordability? Units and particularly new apartment developments are largely catered for and built with investors in mind. Developers are reliant…

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It’s one of the first things we always get asked, “Can I get a loan?” or “I’ve heard it’s impossible to get money from the banks” etc. etc. Well, thanks to our media outlets that falsely report and misrepresent the market in order to show their extremist or alarmist views in order to sell their…

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Commercial property investment can be a lucrative endeavour, with long-term tenants paying solid rents and delivering a big, often double-digit, yield. When it’s good, it’s a great vehicle for your money that delivers long-term cash flow and the potential for capital growth. But when it’s not good, it can be a money pit. Commercial leasing…

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It’s an unfortunate fact of life that many people are terrible with money. Sometimes it’s not really our “fault” because we’ve just learned bad money lessons from our parents, which we’ve unhelpfully carried through into adulthood.  Other times, it’s because we simply spend more than we earn and have never been within 100 metres of…

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At the start of your property investment journey, it can be confusing. All your friends and family have well-intentioned opinions and “advice”, plus in today’s technological world there is a plethora of information available online. But so many difference sources of intel can make start spinning until you don’t know your property pros from your…

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You only need to spend a day driving around Brisbane to see that things are well and truly pumping in the Sunshine State’s capital. You’ve got the new Howard Smith Wharves precinct, the massive amounts of development and urban renewal in the city and surrounding inner and middle-ring suburbs, a plethora of infrastructure projects and…