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How do lenders assess applications?
While loan officers work solely for a lending institution and can only offer that institution’s products, brokers can help connect you to the lender best fit to serve your mortgage needs by shopping around on your behalf. Finance brokers on the other hand are paid...
Comparison Rates
Comparing apples with oranges doesn’t make sense. To make finding the right loan easier, and to make advertised rates as transparent as possible, there are comparison rates. You’re looking for the best mortgage deal, and you see an advertisement. It shouts ‘3.8%...
Five ways to fund a renovation
Considering transforming your home from ‘banal’ to ‘brilliant’, but lack the funds to support your makeover? Never fear, we’ve rounded up five home renovation finance options that could help turn your dream into reality. Equity Release/Top up Home Loan An equity...
Level Up Your Money: An 8-Week Gamified Savings Challenge
Level Up Your Money: An 8-Week Gamified Savings Challenge Starting the new year with a plan can make all the difference to your finances. At Two Birds One Loan, we believe saving and budgeting doesn’t have to be boring it can be fun, motivating, and rewarding. That’s...
Buy Now, Pay Later: could it affect your home loan approval?
Buy now, pay later. Sounds convenient and harmless, right? It’s no surprise that Buy Now, Pay Later (BNPL) services like Afterpay have surged in popularity as it lets you split purchases into smaller, interest-free instalments (as long as you pay on time). In fact,...
2025 in review, what to expect in 2026
Well, that’s almost a wrap on 2025 and what a year it’s been for the property market. Well, that's almost a wrap on 2025 and what a year it's been for the property market. Let’s take a look at some of the highlights from 2025 and see what aspiring property purchasers...
How young Australians are navigating housing affordability challenges
For many young Australians, home ownership can feel more like a distant dream than something within reach. Rising living costs, strong property price growth and slow wage increases have put real pressure on those hoping to buy their first home. Research by Deloitte...
How redraw facilities and offset accounts can save you money
How Redraw Facilities and Offset Accounts can Save you Money! Offset accounts and redraw facilities work in similar ways. They both allow you to reduce the balance of your home loan, and therefore the interest charged, by applying extra money to your debt. Deciding...
Four Steps to Help you Avoid Overpaying for your First Home
Home prices continue to climb across Australia. In October, national dwelling values rose 1.1% – the strongest monthly gain since June 2023. Several factors are fuelling the uptick in growth. One is the lack of housing supply in many markets. The expansion of the...
Tips for a Budget-Friendly Festive Season
The festive season is a time to celebrate, relax and connect with loved ones, but it can also put extra pressure on the household budget. With the rising cost of living, a little planning can go a long way towards keeping the season merry without overspending. That's...
Your Guide to Investing in a Holiday Home
Imagine waking up in a cosy mountain retreat or in a beach shack overlooking the ocean – all in your very own holiday home. Sounds dreamy, right? Looking for advice? Your guide to investing in a holiday home is here, whether you’re after a sea change, a tree change,...
How to Get Ahead in the Home-buying Game When the Deposit Seems Out of Reach
How to Get Ahead in the Home-buying Game When the Deposit Seems Out of Reach In today’s fast-moving property market, the biggest hurdle for many aspiring buyers isn’t just finding the right home it’s having enough cash for a deposit. Learning how to get ahead in the...