Most people struggle to fit everything in to the time we have available to us each day. In fact, there are plenty of inventions that have promised to give us more time with our families by automating or simplifying tasks and decision-making. Unfortunately, when it comes to finance, this mindset has resulted in the creation…
Articles by 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
When you’re buying your very first property, it can be easy to get caught up in the excitement of it all – as well as how overwhelming it all can sometimes feel. You know how much you’ve been pre-approved for and you know roughly what your mortgage payments will be. So, you start making a financial…
It’s 18 months now since property markets, particularly in Sydney and Melbourne, saw the beginning of a softening in median prices. Or, what some pundits will have you believe, was a bursting of Australia’s housing bubble. The popping of a balloon that had been filled far too much for too long, sending prices tumbling. Those people are the…
I recently met a young couple who had come to see me to help them sort out their mortgage. They had been diligently working towards their home ownership dream for several years by saving money for a deposit, keeping their costs low and paying bills on time. But they had always wrongly believed that by…
One thing we love most about our profession as mortgage brokers is assisting our clients in achieving their financial dreams. We know that for many of you, buying your first home may be the biggest financial decision and commitment you ever make. However, for some First Home Buyers, the whispers and stories they hear about…
Property stakeholders often feel a little nervous about a bank valuer visiting. 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 – but the…
Being assessed for a home loan can sometimes feel a bit like a police interrogation – all that the paper-based third degree is missing is a swinging overhead lamp in a small, dingy room! But banks want to know absolutely everything possible about your expenses to ensure that you’re in a position to service your…
We had some long-awaited news recently which everyone in the housing and finance sectors rightly celebrated. Now, I’m not talking about the Federal Election result – although that was good for the property market with the Coalition winning, given Labor’s stance on removing negative gearing and reducing the CGT discount. Nor am I referencing the…
The property sphere is filled with specialists who can help maximise the financial outcomes from your real estate portfolio. From solicitors to building inspectors and accountants to mortgage brokers, there are many smart minds eager to guide you across all the challenges of investment. Most buyers know about the key advisors, but there is one…
I’d almost be willing to bet you that you’re paying far too much interest on your home or investment property mortgage. For many Australians, complacency is one of our great sins! No matter whether you got (or at least thought you got) the best deal available when you originally did your loan application, I’ll back London…
