Articles by Andrew Mirams

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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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With the re-emergence of the 1st home buyer it seems that it’s a new breed that’s the driving force behind this. The Millennial population, who are typically born between 1981 and 1996, represent the most influential age cohort in today’s residential property market. The Millennials are a significantly larger group than Generation X, those born between…

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I wish I could start the year with good news, but it seems that the economic clouds are gathering, and the resultant storm may well be on the horizon. Why? Well still to this day APRA (Australian Prudential Regulatory Authority) have never articulated their intentions of what they were hoping to achieve so we still…

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Did you know that nearly 10,000 dwellings were financed to first property buyers in August 2019? They bought about the same number of dwellings the month before that and the month before that, too. In fact, the percentage of dwellings bought by first-timers remains at about 18 per cent of the total market, according to…

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Lines of credit on home loans have been around for a while now and are not a new product in the mortgage marketplace. However, the problem is that it can be tempting for borrowers to use them as a cash machine that they never have to repay. So what is a line of credit and…

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I have witnessed an increasing popularity in property investment as a viable alternative to other, more traditional methods of growing your retirement nest egg over the last decade. Once most Australians relied on their Superannuation, an aged pension or a combination of the two, with some dabbling in the acquisition of shares, more of us…

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  The thing about property investing is that eventually you, or your beneficiaries if you hold for the extremely long-term, will likely have to pay Capital Gains Tax (CGT). This is the time when the Federal Government gets their share of the profit that you’ve made from investing in property as it’s technically classed as…