Articles by Andrew Mirams

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


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What will you learn? There’s a common saying that you should start most endeavours with the end in mind and this is especially true for property investment. But unfortunately too many investors begin their journey without considering what might be the best ownership structure and wind up owning their entire portfolio in their personal name….

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Refinancing is one of those things, like exercising regularly, that we know could be good for us but sometimes seems like a lot of effort and not much fun. There are lots of reasons why it might be a good idea to consider refinancing, and one particular reason why you should take stock before making…

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Borrowing capacity is one of the first things anyone wants to know when considering a mortgage. How much can I borrow is a top Google search term and many people tap into the online mortgage calculators to understand how much they can borrow. However, as I’ve discussed previously, an online mortgage calculator will only give…

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Buying a property, whether it’s your first or your fifth, is a well-established pathway to long-term prosperity. It’s a brick-by-brick journey to building personal wealth and it requires patience and discipline to achieve your goals. But acquiring property isn’t just about selecting an asset and sitting tight. In fact, building a portfolio is a strategic…

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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…

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When taking out a mortgage it’s common to focus on the interest rate and weight this heavily, positioning this single piece of data as the deciding factor when choosing a lender. After all, the lower the interest rate, the more money you save. Getting the lowest interest rate possible is what everyone is doing, and…

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Building a property portfolio will establish your personal wealth and give you financial security throughout the course of your life but it is a goal that will require a disciplined, steadfast approach and above all, commitment for the long haul.  There are no shortcuts! There are things you can do right now – and, in…

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