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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We’ve been living in tumultuous financial times. The RBA’s previous suggestion that interest rates would hold at their low settings until 2024 went out the window in May this year. Spiking inflation saw the Reserve raise the cash rate by 0.5% in May this year. Monthly increases continued, and the cash rate has now gone from a…

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A property transaction is like a big machine, with many moving parts that do different things but should each spin in harmony to get the job done. There’s the real estate agent, responsible for handling the sale of the property. Sometimes there’s a buyer’s agent, who represents the person buying the property. There are lawyers…

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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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Buying your very first home can be both an exciting and daunting process. Navigating the maze of finance, home loans, and the property market can be challenging for even seasoned investors. So how are the newcomers meant to get their foot into the property market? The good news is there are lots of options and…

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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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An unintended consequence of the housing market boom is the accumulation of personal wealth, with the Productivity Commission recently releasing a report that inheritances are rising dramatically. In 2018 the average inheritance was about $125,000 but this is expected to multiply dramatically and by 2050, it’s likely the average inheritance will be four times that,…

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There is a saying that is a useful one to adopt if you’re prone to worrying unnecessarily. It is, “Why don’t you save your worry until there is something to worry about?”  It’s a useful mantra because sometimes in life there are times which rightly cause us to worry such as the illness of a…

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Taking out a mortgage to buy a property is a big step and one of the first questions you’ll face is, which lender should you choose? It can be an overwhelming decision because comparing home loan products is difficult. There is a large range of features that vary significantly across home loan products and comparing…

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A home improvement loan is a term that is increasingly being used in Australia but is largely a US phrase that’s been imported. It describes a type of loan that is a separate product from the mortgage you might already have and is generally used to renovate a property. People may choose a home improvement…

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