Home buying & selling Archives

Do mortgage brokers charge a fee?

February 3, 2023

Financial Planning, First time buyers, Home buying & selling

Mortgage brokers are key members of your property team when buying a home or investment. However, understanding the cost of a mortgage broker and the way they add value remains a mystery to some borrowers. I’ve pulled together some information…

How to buy a home in 2023

January 23, 2023

Andrew Mirams

Financial Planning, First time buyers, Home buying & selling

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Whether you’re a first homebuyer, second-time purchaser, upsizer, downsizer or whoever, the process of buying a home comes with a range of challenges. But in 2023 I believe those trials will be a little different compared to previous years. 2022’s…

Why the RBA shouldn’t raise interest rates in February

January 23, 2023

Andrew Mirams

Financial Planning, First time buyers, Home buying & selling

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The Reserve Bank of Australia (RBA) has been under extreme pressure to tackle rising inflation by increasing interest rates. Their moves in 2022 proved necessary, but I think it’s time they pause. If they don’t it risks plunging our country…

Best mortgage broker in Melbourne giving free consultation

How to find the best mortgage broker for you

December 19, 2022

Andrew Mirams

Financial Planning, First time buyers, Home buying & selling

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When you get down to it, property – whether as an investment or a home – is all about finance. Unless your personal wealth runs extremely deep, there’s a good chance you’ll need to borrow money to secure your real…

The year in review and my 2023 predictions

December 19, 2022

Andrew Mirams

Financial Planning, First time buyers, Home buying & selling

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The end of the year is upon us and no one could argue it’s been uneventful. There was a palpable sense emerging from the post-pandemic funk as we transitioned from 2021 to 2022. The world was opening up, lives were…

How to prepare to buy your first home in 2023

December 2, 2022

Lachlan Mirams

Financial Planning, First time buyers, Home buying & selling

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There is nothing quite as exciting as buying your first home. Home ownership has become a rite of passage in Australia – a marker that you are successfully moving into a new phase of life. But part of the reason…

home loan application with a Melbourne mortgage broker

How to apply for your first home loan application

November 24, 2022

Andrew Mirams

Financial Planning, First time buyers, Home buying & selling

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Becoming a first homebuyer is both thrilling and confronting. There are many complexities surrounding decisions about where you’d like to live and what sort of home you want to buy. And then there’s the big question of finance. When it…

Why borrowers shouldn’t fear rising interest rates

November 22, 2022

Andrew Mirams

Brisbane, Financial Planning, Home buying & selling, Investing, Melbourne, Sydney

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An increase in the official cash rate by the Reserve Bank of Australia (RBA) has caused concern across Australia’s lending and property landscapes. The ratcheting up of the rate has resulted in headlines proclaiming that blown-out loan servicing costs and…

Fixed rate expiring on your mortgage? Here’s what to do

October 20, 2022

Andrew Mirams

Financial Planning, Home buying & selling, Investing

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We’ve been living in tumultuous financial times. The RBA’s previous suggestion that interest rates would hold at their low settings until 2024 went out the window in May this year. Spiking inflation saw the Reserve raise the cash rate by…

Refinancing home loans, what you need to know

October 13, 2022

Andrew Mirams

Financial Planning, Home buying & selling

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To refinance your home loan or not to refinance your home loan? That is the question on many Australians’ minds at the moment as the RBA continues to hike up interest rates and the cost of living continues to rise.…