Andrew Mirams

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...

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...

    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...

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...

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...

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....

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...

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...

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