Richard & Michelle – Expatriate Family

Grant & Heidi – Sophisticated Investors Andy and Sharon – Upgraders
property investments

Richard & Michelle

Expatriate family

An expatriate family wants to look to further develop their portfolio of domestic property investments.

They already have their family home, which they have been renting since they left the country, and have the potential to utilise the equity in this home as well as the tax free income they are earning to build a multiple property portfolio.

Our proposal

Our recommendation is to take advantage of the fact that, as opposed to the standard 80% LVR limit, many qualified* expatriates can expect to access a mortgage to the value of up to 90% of the property value and use this line of credit to finance the purchase of additional properties, ensuring that the spare income they earn, when combined with the rental income each property will make, means that their existing cash-flow requirements aren’t adversely impacted

*as per usual, all borrowers will have to prove income, employment history and overall financial position.

Andrew Mirams

Andrew Mirams

Andrew Mirams is the Managing Director of Intuitive Finance and is a highly qualified mortgage advisor who holds dual diplomas in Financial Planning (Financial Services) and Banking and Finance (Mortgage Broking). Andrew’s expertise covers all aspects of lending for a diverse range of applications – from first home buyer loans or property upgrader loans, property investor loans, expatriates and loans for self-employed. With almost 30 years of experience, Andrew has been acknowledged by the mortgage industry as one of its best performers with multiple awards including regularly featuring in both the top 100 mortgage brokers list and Top 50 Elite business writers. Andrew was voted Victoria's favourite Mortgage Broker at the 2015 Investors Choice Awards, and won again for the same category at the 2017 Better Business Awards. The team at Intuitive Finance has also figured prominently by winning the 2016 "Best Independent Office (<5 brokers)" and "Best customer Service" Awards, and more recently at the 2017 MFAA National Awards, they also took out the "Best Customer Service" Award, a recognition which speaks for itself! Visit Intuitive Finance for more information.
Andrew Mirams