We were referred to the team at Two Birds by our accountant. We were in the unhappy position of having our residential landlord decide to sell our tenancy and were notified a few weeks out from Christmas. To compound issues we are small business owners who needed to...
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Testimonial Five
From first contact the team at Two Birds were super efficient, professional, methodical. They sourced some great options and clearly presented these with comprehensible pros and cons for each package tailored to our personal circumstances. 100% regret not contacting...
Testimonial Four
Elouise and the team at Two Birds are fantastic. We have recommended them to friends and family and we've all had the same wonderful experience with them. Their expertise and unrivalled communication is much appreciated at times that can be stressful. Thank you again...
Testimonial Three
We approached Two Birds based on recommendations on a local Facebook page and we are so glad we did. We were already some months into trying to arrange finance with another broker and were getting nowhere. Alissa was outstanding from our first chat. She took the time...
Testimonial Two
Elouise has been fantastic!! I had tried to refinance my investment loans with 2 mortgage brokers over the last 2 years and all I got was inconvenient meetings at my dining table late at night and no one was able to get us refinanced. Elouise and her team didn't need...
TO FIX OR NOT TO FIX?
With interest rates at an all-time low, and many lender’s fixed rates are lower than their variable options. Locking in an interest rate on your home loan to guard against possible future fluctuation may be attractive however, it pays to know the ins and outs of...
Testimonial One
Can't recommend Alissa and the team at Two Birds highly enough. She had endless patience helping us navigate a somewhat complicated mortgage application and was always willing to answer questions and offer support and guidance. Our purchase has now gone through and...
WHY REFINANCE MY MORTGAGE?
In the past, most people who took out a mortgage continued with it until they had paid it off. These days, people refinance their mortgage much more frequently with the average duration of a home loan in Australia now is just 4-5 years. Below, we look at some of the...
HOW TO PAY OFF YOUR MORTGAGE FASTER
When was the last time you looked closely at your loan? And the progress you are making on paying it off and how it compares to others in the market? Analysing your mortgage could mean savings for you, as well as the opportunity to pay it off more quickly, invest in...
BUYING A PROPERTY WITH LESS THAN 20% DEPOSIT
When you consider that a SMALL apartment in Sydney could set you back well over half a million dollars, saving a 20% deposit ($100k+) can seem like mission-bloody-impossible! Enter: Lender’s mortgage insurance. Lenders mortgage insurance (LMI) may be an added expense...
HOW TO SPEED UP YOUR LOAN APPROVAL
Asking how long it takes to get a loan approved is like asking how long a piece of string is! Every application is unique, so the time between our first contact and an approval can never be predetermined. There are, however, some things you can do to help hurry your...
NEW YEAR, NEW BUDGET!
Getting your budget under control and your finances in order is absolutely essential to anyone looking to apply for a home loan. It is particularly important for first home buyers about to take the first step on the property ladder. Now the new financial year has...
INTEREST ONLY LOANS
Borrowing to buy a property and repaying only the interest for a set period can be a great choice for some. Interest-only loans can offer financial flexibility whilst you invest. There are some very important risks to take into consideration. No principle With...
NEGOTIATION TACTICS FOR PROPERTY BUYERS
Interest rates remain at a record low, and the property market is expected to heat up as we enter spring despite the economic challenges due to the pandemic. Listings remain low compared to last year, which means that as a buyer, there may be more competition for...
GUARANTEEING YOUR CHILD’S LOAN
Rising house prices are making it increasingly difficult to enter the market. Guaranteeing your children’s loans can help, but it is important to understand how it can impact retirement or investment plans. Being a guarantor generally means using the equity in your...
HIDDEN DANGERS OF BUY NOW PAY LATER
The Buy Now Pay Later sector is winning over the youth demographic, with the promise of instant gratification (guilty!). But with every sugar-high, comes the risk of a corresponding low. ‘Buy Now Pay Later’ providers such as AfterPay and Zip Pay, have experienced...