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Q: How long does a home loan pre-approval remain v

Q: How long does a home loan pre-approval remain valid?
A: Most home loan pre-approvals last about 3 to 6 months from the date you get them, though the exact timeframe can vary by lender.

Think of pre-approval as a 'window' where the lender has said, 'In principle, we’ll lend you up to $X.' That window doesn’t stay open forever. After it closes, if you haven’t bought a property yet, you’ll need to get the pre-approval renewed or apply again.

If your pre-approval is nearing expiry and you’re still house hunting, it’s usually straightforward to renew – often just a quick update of documents so the lender can check nothing major has changed.

Hot tip: Don’t make big changes (like new debts or quitting your job) during your pre-approval period without talking to us first, as it could affect your approval.

Remember, a pre-approval is not a guarantee, but it’s a very useful guide. It gives you confidence to make an offer, knowing the bank has initially green lit your numbers. Get in touch to organise your pre-approval and get serious about the house hunting!

http://📧office@twobirdsoneloan.com.au

#twobirdsoneloan #financeexperts #homesweethome #nswproperty #realestateau #sydneyrealestate #hillsdistrict #sydneyproperty

Saving for a home deposit can feel tough, but litt

Saving for a home deposit can feel tough, but little steps make a big difference. Here are 5 tips to help you reach your goal faster:

- Set a budget and stick to it: Track your income and expenses to see where your money is going. Knowing your spending habits helps you find areas to save (and avoids that end-of-month 'Where did it all go?' panic).

- Automate your savings: Set up an automatic transfer into a separate high-interest savings account every payday. This way, you pay yourself first – out of sight, out of mind, and steadily growing!

- Trim small luxuries (within reason): You don’t have to give up your daily coffee forever, but cutting back on non essentials can add up. Maybe it’s fewer Uber Eats orders or cancelling an unused subscription – every $50 a week saved is $2,600 over the course of a year.

- Take advantage of freebies: Check if you’re eligible for first-home buyer grants or schemes. That’s essentially free money or concessions that can boost your deposit or reduce your costs.

- Boost your income if possible: Consider a side gig or sell unused items sitting around the house. Every extra dollar counts and can bring your home ownership dream closer.

Stick with these tips and 'future you' will be glad you did!

http://📧office@twobirdsoneloan.com.au

#twobirdsoneloan #financeexperts #homesweethome #nswproperty #realestateau #sydneyrealestate #hillsdistrict #sydneyproperty

We are soooooooo excited to announce that our Char

We are soooooooo excited to announce that our Charlotte is returning from maternity leave on Monday the 5th May! We have all missed Charlotte, and we are so looking forward to having her amazing energy and support back in the office ❤️❤️❤️ already allocating tasks with the first being can you please order us a new selfie stick ring light, it was hard to squeeze us all into this one shot 🤣🫶🏼🥰

Ever heard you need a 20% deposit to buy a home? G

Ever heard you need a 20% deposit to buy a home? Good news: that’s a myth.

It turns out you can potentially get a home loan with a much smaller deposit, with some lenders accepting 10%, 5%, or even less with a guarantor.

While a bigger deposit helps you avoid extra costs like Lenders Mortgage Insurance, it’s not the only way into the market.

The key is to explore your options. Don’t let the 20% myth hold you back – a good broker (like us!) can show you pathways to home ownership even if you haven’t hit that magic number yet.

http://📧office@twobirdsoneloan.com.au

#twobirdsoneloan #financeexperts #homesweethome #nswproperty #realestateau #sydneyrealestate #hillsdistrict #sydneyproperty

Home equity is a term that gets tossed around a lo

Home equity is a term that gets tossed around a lot, and for good reason – it can be a powerful tool in your financial toolkit.

Put simply, equity is the portion of your home that you own. If your home is worth $600k and you owe $400k on your mortgage, you have $200k in equity (which is roughly 33% of the property’s value). As you pay down your loan, or if your property value rises, your equity grows.

So, why does equity matter? Because you can use it. Here are a couple of smart ways to put your home equity to work:

- Upgrade or renovate your home: Want a new kitchen or an extra bedroom? You can potentially borrow against your equity to fund renovations. By improving your home, you could also increase its value – a nice bonus. It’s like reinvesting in your own asset.

- Buy an investment property: This is how many Aussies get into property investing. They use the equity in their first home as a deposit for a second property. Essentially, you’re leveraging the value you’ve built up to expand your portfolio. Your existing home becomes the springboard for buying another.

- Refinance and consolidate: If you have other high interest debts (like personal loans or credit cards), you might tap into equity to pay those off via a refinance. That can simplify your finances and lower your overall interest costs. Just be cautious: you’re turning short-term debt into long-term debt, so perhaps commit to not racking up debt on the cards again.

Everyone’s situation is different, so it’s best to chat with us about the pros and cons before diving in. Using equity can be a great way to build wealth or improve your lifestyle, but it’s still borrowed money, so it needs to be part of a well thought out plan.

http://📧office@twobirdsoneloan.com.au

#twobirdsoneloan #financeexperts #homesweethome #nswproperty #realestateau #sydneyrealestate #hillsdistrict #sydneyproperty

Office positions at TBOL HQ may occasionally (ofte

Office positions at TBOL HQ may occasionally (often) call for higher duties such as ordering materials for, and supervising 6 children to complete Easter art projects… shout out and thank you to Danni for managing this for us for 2025!!! When people ask us how we manage to run a business around raising 1000 kids…. It’s the village 🫶🏼