Category: Andrew Mirams

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Andrew Mirams, Finance, Videos

VIDEO – Are there more changes on the way from APRA – can it get tougher?

Andrew Mirams says ‘it certainly can and it will get tougher’.   In this 5 minute interview with Kevin Turner, Andrew gives some tips on how best to prepare for what is ahead and how to show the lender that you are on top of the situation and that you are worthy of getting a loan.  He has some great budgeting advice and names some programs … Continue reading VIDEO – Are there more changes on the way from APRA – can it get tougher?

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Andrew Mirams, Buying a property, Latest Stories, Property Investment

A beginner’s guide to buying off the plan

We all know that Sydney has stolen all the property headlines over recent years, but there has been another big news story happening at the same time. What is it? It’s buying off the plan – and buying new units in particular. Our property markets are changing, from one where the Great Australia Dream revolved around buying a house, to one where more and more … Continue reading A beginner’s guide to buying off the plan

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Andrew Mirams, Buying a property, Latest Stories, Selling a property

What you need to know before you exchange contracts in NSW

Australia is a country of eight States and Territories, which each have their own, sometimes unique, laws. The laws around real estate differ substantially across these regions, and there can be quite a few differences depending on which part of the country you are buying or selling in. What’s required in Victoria may not be necessary in New South Wales or Queensland. That’s why it’s … Continue reading What you need to know before you exchange contracts in NSW

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Andrew Mirams, Case Studies, Finance, Kevin Turner, Kevin's Update, Latest Stories, Property Investment, Sponsored Channels

Offset account benefits – Andrew Mirams

Simon asked us to talk about the benefits of an offset account.  What it is and how it is best used?    We turned to Andrew Mirams who gives all the detail. Transcript : Kevin:  I want to answer a question that came in from Simon at Caulfield. Simon asks about an offset account. Could we please explain what it means? We mentioned it in the … Continue reading Offset account benefits – Andrew Mirams

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Andrew Mirams, Finance

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 still available. In fact, we’re busier than ever, as more … Continue reading 10 lending tips to secure finance today

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Andrew Mirams, Finance, Latest Stories, Videos

VIDEO – The banks tighten up on ‘interest only’ loans

Why is there such a difference between principal and interest loans and interest only loans?  As Andrew Mirams, our finance expert explains, in most countries about 30% of loans are interest only but it is much higher in Australia and as a result banks are trying to dis-incentivise borrowers from using interest only.  So what is the future? Continue reading VIDEO – The banks tighten up on ‘interest only’ loans

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Andrew Mirams, Latest Stories, Videos

How to navigate today’s complex lending landscape

The lending landscape is changing rapidly. In fact, it’s the most complex that I’ve seen in my many decades in the sector. Banks seem to be shifting the goalposts constantly, which can mean increased rates for certain types of new and existing borrowers as well as lowering loan-to-value ratios (LVR) for new loan applications for both interest only lending and new investment lending. There are … Continue reading How to navigate today’s complex lending landscape

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Andrew Mirams, Latest Stories, Research

Why happiness is more than just a state of mind

Happiness can be elusive, and it can be fleeting. But happiness is a feeling that we all enjoy and usually want to repeat as often as possible. Some people are naturally happier than others because they tend to have a “glass half-full” mentality. Others have to work much harder to achieve the same level of contentment. The important thing to realise is that happiness is … Continue reading Why happiness is more than just a state of mind

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Andrew Mirams, Finance, Kevin Turner, Kevin's Update, Latest Stories, Property Investment, Sponsored Channels, Trends

How to best use bridging finance – Andrew Mirams

Just the mention of bridging finance can strike fear into the hearts of some people but Andrew Mirams has some ways to make sure you use it wisely. Transcript : Kevin:  We quite often talk about bridging finance, but I wonder how many people realize what’s involved, what are the pitfalls, and really, is it all that expensive? Let’s get a bit of an insight into … Continue reading How to best use bridging finance – Andrew Mirams

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Andrew Mirams, Finance, Kevin Turner, Kevin's Update, Latest Stories

VIDEO – Why is there such a difference between PI and Interest only loans?

The gap between Principal and Interest loans and Interest Only loans is widening.   Why is this happening?  Are the banks going to tighten up on offering Interest Only loans?  We discuss that with Andrew Mirams from Intuitive Finance. [flex_video widescreen=”true” vimeo=”true”] [/flex_video] Continue reading VIDEO – Why is there such a difference between PI and Interest only loans?

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