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 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. 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,...
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...
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! 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...
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...
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...
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 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...
If you’re thinking of building your own home, you’ll need to be familiar with the ins-and-outs of construction loans. Construction loans are not as straightforward as standard home loans. There are additional decisions to be made about the structure of the loan,...
How Can a Buyer’s Agent Help You Once You’re Pre-Approved (And why the cost is worth every cent in the long run) So, you’ve got your loan pre-approval—congratulations! That’s a huge milestone on your property journey. But before you start scrolling realestate.com.au...
First home buyers can now purchase a property with as little as 5 per cent deposit without copping lenders’ mortgage insurance, after the government’s expanded First Home Guarantee Scheme came into effect on 1 October. It’s expected that 70,000 first home buyers will...
Following three cash rate cuts so far this year, the lending and borrowing environment in Australia has changed drastically. As a result, more and more borrowers are breaking out of ‘mortgage prison’ and refinancing their home loans to more competitive options. If...
While some property investors prioritise rental yield – that is, how much income a property earns, as a percentage of its value – others see capital growth as the ultimate objective. There is no guaranteed way to predict the future capital growth of a suburb, but...
Debt Consolidation. What You Need to Know Managing multiple debts can feel overwhelming... juggling credit cards, personal loans, car finance and other repayments each month can leave you stretched thin. Debt consolidation is a strategy that can simplify your finances...