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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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…

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You’d think by all of the media coverage on low interest rates and strengthening property markets that lending was equally as shiny at the moment. Sure, it is much better than it was a year or two ago, when lending was restricted, mainly because of stringent policies instigated by APRA (Australian Prudential Regulatory Authority). These…

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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…