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


Why you should be wary of one stop shops
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Why you should be wary of one stop shops

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…

4 First Home Buyer Myths Exposed
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4 First Home Buyer Myths Exposed

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…

Is finance cooling our housing markets?
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Is finance cooling our housing markets?

When you look at auction clearance rates across Australia, speak to builders and real estate agents, it’s clear that the market generally has softened. Of course, finance is the key fundamental that underpins all of the property market. And the latest finance data makes for sobering reading.  According to St. George Bank, consumer lending, month…

Stumping up a Sydney deposit
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Stumping up a Sydney deposit

Here’s a number for you — 10,950. Ten thousand, nine hundred and fifty. That’s how many days a first-time property buyer will have to scrimp and save for a 20 per cent deposit for a property in Sydney. Not the purchase price — the deposit. Thirty long, hard years. If you ever want to take that first step on…

What you’ll have to cough up when you sell
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What you’ll have to cough up when you sell

When it comes to property investing, quite often there’s no reward — or usually no big reward in any case — without a little bit of risk. Similarly, there’s almost always no reward without a heavy dose of reality. And that reality comes in the form of the tax department. In the dizzying high of an investment…

10 lending tips to secure finance today
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10 lending tips to secure finance today

It almost seems that every day brings with it new lending policies, doesn’t it? Interest rates are changed for investors and interest-only lenders, while loan to value ratios seems to be more fluid than a retreating tide.   While it can be difficult to understand the current lending landscape, that doesn’t mean that finance is not…