Many homeowners have a rough idea of what their property is worth. However, fewer understand how the equity they’ve built up could support future financial goals. Whether you’re considering renovations, upgrading, purchasing an investment property or simply exploring...
It’s been a challenging few months for property investors. Changes to negative gearing and the capital gains tax (CGT) discount have fundamentally shifted the landscape for investors and prompted many to rethink their purchasing plans. From 1 July 2027, negative...
Spring is traditionally the busiest time of the year in the property world. More sellers tend to list their properties during this season, when gardens are looking their best and pleasant weather makes weekend open homes and moving house easier. Spring is...
The property market might be changing, but that doesn't mean Australians have stopped needing finance. In fact, when the market becomes more uncertain, the conversations around finance can become even more important. Your Life Changes. Your Finance Should Too: 10...
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...
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...
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...
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"...
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...
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...
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...
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...
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...
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...