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Are property investors changing course after the new negative gearing reforms?
The Federal Government’s negative gearing and Capital Gains Tax (CGT) reforms represents a significant shift in how future property investments will be treated for tax purposes. For investors considering their next purchase, the changes may influence everything from...
Home loan pre-approval: What you need to know before house hunting this spring
When you’re planning to buy your first home or investment property, getting your head around all the jargon can feel overwhelming. One term you’re likely to come across is ‘conditional pre-approval’. Many buyers think conditional pre-approval means they’re ready to...
Has Your Borrowing Power Changed?
You might be earning the same income as you were six months ago, but that doesn’t necessarily mean you can borrow the same amount. Understanding your borrowing capacity is an important step before you start your home-buying journey. Your borrowing capacity is...
2026 Budget Changes Explained: Negative Gearing, CGT & SMSF Loans
Negative gearing. Capital gains tax. SMSF loans. If you've seen those three phrases in the same headline over the past few weeks and felt a small wave of panic, you're not alone and you're in the right place. Maybe you've been googling "negative gearing changes 2026"...
Secure Your Property Without Tying Up Your Cash
A Deposit Bond can replace the traditional cash deposit, helping you keep your savings accessible while securing your next property purchase. Check your eligibility, speak with a Broker Whether you're a first home buyer, investor or upgrading your family home, a...
Why more than 8 in 10 borrowers are choosing mortgage brokers
Few decisions have a bigger impact on your financial future than buying a property. Whether it’s your first home, your next home or an investment property, getting the finance right can make a significant difference for years to come. So why are more Australians...
Planning an investment property renovation? Here are your finance options
Renovating an investment property can help attract quality tenants, improve rental returns and potentially add value to your property. But before choosing paint colours or collecting quotes, it’s worth understanding how you’ll fund the project. Many investors focus on...
What’s driving the drop in auction clearance rates?
After years of fierce competition, fast-rising prices and crowded auction weekends, the market is beginning to show signs of a shift. More properties are being listed for sale, homes are taking longer to sell, and buyers are becoming increasingly selective about what...
Finance & Property Market Update | July 2026
Welcome to the Two Birds Finance & Property Market Update July Highlights. As we move through the second half of 2026, Australian borrowers, homeowners and property investors are navigating a market shaped by higher interest rates, persistent housing shortages and...
SMSF Property Lending Is Changing. Here’s What Australian Investors Need to Know.
The SMSF lending landscape is about to experience one of its biggest changes in nearly 20 years. From 10 August 2026, Self-Managed Super Funds (SMSFs) will no longer be able to enter into new Limited Recourse Borrowing Arrangements (LRBAs) to purchase residential...
Smart Moves for the New Financial Year: Insights from our Mortgage Brokers
The start of a new financial year is the perfect time to reset, refocus, and take control of your financial future, especially when it comes to your home loan. Whether you’re a first home buyer, looking at refinancing your mortgage, or considering debt consolidation,...
Is refinancing still worth considering?
With the cash rate on hold, many borrowers are taking a closer look at their home loans. If you haven’t reviewed yours in a while, it may be worth exploring whether your current loan still suits your situation. With cost-of-living expenses still stretching household...