Articles by 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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Australians are on a massive home shopping spree, borrowing to buy property at rates not seen before in this country. However, our bricks-and-mortar spendathon may be about to hit a snag as warning bells sound over soaring debt levels. Homeownership bonanza Recent ABS data has confirmed what most of us already knew – that the…

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Typically, the steps to securing a loan including provide a few payslips that will serve to demonstrate your reliable, consistent income. Most of the time one or two will do, maybe three at most. And some documents that establish how long you’ve been employed. Relatively speaking, it’s a straightforward process. Unless you’re self-employed of course…

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Saving the deposit for your first property is one of the hardest parts of getting into the market. In fact, it’s always been that way. But, with property prices in Sydney and parts of Melbourne now much higher than in years gone by, saving a big enough deposit is certainly not getting any easier. But…

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The Australian economy has demonstrated extraordinary resilience over the past 18 months. In the lead-up to the Delta lockdowns, Australia was the only developed country to have gone into this year’s Delta lockdowns with both GDP and employment higher than before the pandemic hit early last year. However, since June, sustained, repeated lockdowns in Sydney…

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There’s some well-worn rhetoric that gets ample airtime on the nation’s media landscape – the Australian dream of homeownership is dead for the next generation, with young first-home buyers being priced out of the market in droves. And with recent forecasts predicting Sydney property prices would surge 21 per cent in 2021, it’s easy to…

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With forecasts for the rest of the 2021 calendar year for property prices to rise by 20%, making the decision to buy Australian property, whether it be a home or an investment property, can be tough, particularly when the market is behaving differently (as it is now) and you’re faced with a choice – buy…

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As the Reserve Bank of Australia’s cash rate continues to hover at a record low 0.1 per cent, many borrowers are asking themselves if it’s time to fix their rates. If you’re a first-time borrower, you may be wondering what you need to know about fixing an interest rate and why not everyone is doing it….

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It’s an unfortunate fact of life that many people are terrible with money. Sometimes it’s not really our “fault” because we’ve just learned bad money lessons from our parents, which we’ve unhelpfully carried through into adulthood.  Other times, it’s because we simply spend more than we earn and have never been within 100 metres of…

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One of the key advantages to buying in Brisbane, compared with Sydney and Melbourne, is affordability. It wasn’t that long ago that a house, 10 kilometres from the CBD, could still be found for $450,000. Compare that with Sydney, where median prices on the cusp of the middle ring, just 10 kilometres out from the…

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