Posts by Andrew Mirams

Just about everywhere you look in Victoria, you’ll find someone struggling with housing – whether they own, want to buy, need to downsize, aspire to build, or are looking to rent. This is a grim snapshot of the current situation.…

Last year, Australians spent an estimated $23.5 billion during post-Christmas sales from Boxing Day to mid-January. That’s a lot of cash splashed by bargain hunters. And that’s not accounting for the money thrown around in the lead-up to Christmas on…

The to and fro of economic news over the past three years has introduced Australians to a raft of fiscal concepts. Things like “pandemic-driven financial stimulus” and the risks of the “inflation spiral”. But one facet that’s caused widespread panic…

When it comes to home loans, many borrowers will discover over time that you don’t always get what it says on the box. Or if you do, it was probably written on the packaging in fine print that you missed,…

Just this time last month, some economists were optimistically talking about the potential for a rate cut sooner rather than later. Red-hot inflation was moderating, retail spending was down, and three of the big four banks tipped that the official…

There is a lot of process and assessment when it comes to seeking a home loan approval. Financiers need to gather reams of information, tick loads of boxes and ask plenty of questions, but at the end of it all…

Superannuation is an important contributor to the long-term financial security of Australians. It’s been designed as a low-tax, investor-friendly vehicle to help fund a comfortable retirement for millions of people. While it is mostly a win for Aussies, there is…

Let me start this article by acknowledging that while strides have been made towards gender equality in the homebuying, investment and finance spaces, there’s still plenty do. The reality is that women remain on the back foot when it comes…

As the nation settles into its post-pandemic reality, a host of challenges have arisen – and one of the big ones has been trying to house our population. A look across metrics described the way rental and homeownership stress have…

There are multiple loan configurations to choose from across Australia’s finance landscape, and one of the most popular options utilised by borrowers is interest-only periods. Interest-only loans can be hugely advantageous for some borrowers, but anyone who has one needs…