Category: Andrew Mirams

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Andrew Mirams, Latest Stories

Top tips to secure finance in Brisbane’s evolving housing markets – Chris Norton

Queensland’s capital city is evolving every year, with big infrastructure projects changing the way its residents work and play. The Brisbane property market is also on the radar of homebuyers and investors across the country because, well, it’s much more affordable than Sydney and Melbourne. In fact, recent research found that 43 per cent of property investors are looking to buy in Brisbane over next … Continue reading Top tips to secure finance in Brisbane’s evolving housing markets – Chris Norton

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Andrew Mirams, Latest Stories

Baby boomers are enjoying life – but what’s in store for millennial investors? – Andrew Mirams

A cohort of baby boomers are now well into retirement – after a lifetime of work and paying off the mortgages on their homes. Sure, property prices have ballooned over their lifetimes, but baby boomers also weren’t overly good at investing in anything other than their homes – and perhaps the share market from time to time. Their mantra – no doubt passed down from their parents … Continue reading Baby boomers are enjoying life – but what’s in store for millennial investors? – Andrew Mirams

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Andrew Mirams, Frank Dalzotto, Latest Stories, Sponsored Channels

What everyone needs to know about starting a small business – Frank Dalzotto

Many Australians dream about starting a small business. They dream about being their own boss and having more flexible working conditions as well as hours. While being self-employed or running a small business can be one of the best ways to create wealth, it is not easy. About 90 per cent of Australian businesses are classified as small, which means they employ less than 20 people or … Continue reading What everyone needs to know about starting a small business – Frank Dalzotto

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Andrew Mirams, Latest Stories

VIDEO – What will happen with interest rates in 2018? – Andrew Mirams

[powerpress] Transcript: Andrew Mirams from Intuitive Finance says he has more than one crystal ball and both of them are saying that interest rates are likely to be on hold in 2018.  So what does that mean for you and I?  Should we lock in?  He says no because he is already seeing signs that some of the Banks are dropping rates to be competitive.  … Continue reading VIDEO – What will happen with interest rates in 2018? – Andrew Mirams

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Andrew Mirams, Latest Stories, Sponsored Channels

Have APRA lending restrictions made it harder to get a home loan?

It’s no big secret that more and more Australians are exploring how real estate finance and investments can improve their financial situation. Developing an investment strategy which involves buying quality investment properties is one way that they can create wealth and set themselves up for a more comfortable life before and after retirement. But the lending market, just like the real estate one, can go … Continue reading Have APRA lending restrictions made it harder to get a home loan?

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Andrew Mirams, Latest Stories, Videos

VIDEO – A loan re-draw and an offset – the same but different

[powerpress] Transcript: A loan re-draw is when you have pre-paid money into your loan and you have the ability to re-draw that amount.  It is like repayments in advance of what you need.  An offset account, on the other hand, is a second account that attaches itself to your loan.  Whatever money is sitting in that, is cash and it off-sets against your loan.  They … Continue reading VIDEO – A loan re-draw and an offset – the same but different

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Andrew Mirams, Latest Stories, Sponsored Channels

How much should you pay for an investment property in Sydney?

The median house price in Sydney may have recently dipped below $1 million, but it’s still about 75 per cent higher than it was five years ago. According to the latest CoreLogic report, Sydney property prices fell marginally over September to record a median dwelling price of about $900,000, a figure which includes both houses and units. What’s interesting in the latest data is that the … Continue reading How much should you pay for an investment property in Sydney?

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Andrew Mirams

These common section 32 mistakes can cost you dearly

When selling a home or an investment property, there are a number of expenses that you have to pay, such as marketing costs and commission. So with a number of costs that you have no choice but to pay, why would you risk outlaying more than you need to? Unfortunately, that is the situation for some sellers who, for some reason known only to them, … Continue reading These common section 32 mistakes can cost you dearly

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Andrew Mirams, Finance

Interest only lending – the good, the bad and the ugly (Part Two)

It doesn’t seem that long ago that borrowers held the upper hand. Lenders were scrambling over each other to get their business. Times for borrowers were good, with competition aplenty in the banking marketplace. Alas, times have changed – but that doesn’t mean that the banks don’t want to lend you money. That is their business after all. It just means that you have to have your … Continue reading Interest only lending – the good, the bad and the ugly (Part Two)

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Andrew Mirams

Is housing really that unaffordable?

    The price of property in our two major capital cities has everyone talking about something called “housing affordability”. But before I weigh into this debate, it’s important we understand the difference between housing affordability and affordable housing. According to experts, housing affordability applies to those who live in – or aspire to live in – their own home. Affordable housing, on the other … Continue reading Is housing really that unaffordable?

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