Top Mortgage Broker Advice
Remote service Australia wide
Remote service Australia wide
Buying your first home can feel overwhelming, especially in a fast-moving property market. Across Australia, homes often sell within weeks, and units usually spend just over a month on the market. If you are not prepared, there is limited time to act when the right property becomes available.
Without pre-approval, first home buyers can be overlooked by agents or miss out entirely. The process also involves learning new terms and requirements, from your loan-to-value ratio (LVR) and borrowing limits to stamp duty, Lenders Mortgage Insurance (LMI), and choosing between fixed and variable rates.
That is why getting pre-approved before you begin house hunting is such an important step. At Shield Mortgage Brokers, we help you understand your options, assess your borrowing capacity, and guide you through each stage of the loan process. With your pre-approval in place, you will be ready to make strong, confident offers when the time is right.
Pre-approval is an important first step in the home loan journey, and it is the stage where we will spend the most time working together. This process goes beyond ticking boxes. It involves meeting to understand your property goals and broader life plans so that we can structure your borrowing strategy around what matters most to you. Buying a home or investment property is a major financial decision, and it is important that your loan supports your long-term goals.
During this stage, we will complete standard Know Your Customer (KYC) checks and verify your financial position. This includes reviewing documents such as:
These documents help us understand your borrowing capacity and allow us to recommend suitable loan options. We can meet in person if you are based in Sydney, or we can complete the process online if that is more convenient for you.
We can meet online to complete the pre-approval application. There are a couple of tests lenders require us to undertake to ensure your ability to repay the loan.
Serviceability Test:
✅ Income (PAYG, self-employed, rental, etc.)
✅ Living expenses
✅ Existing debts (credit cards, car loans, personal loans)
✅ Credit score and conduct
Security Test:
✅ Deposit size, LMI or guarantees
✅ Acceptable security under their lending policies
✅ Worth the amount you're paying (via valuation)
We work with clients in specific professions who may be eligible for more flexible lending options. If you are an essential services worker or a university-qualified professional looking to enter the property market, you may be able to secure a home loan with a smaller deposit and significantly reduce or even avoid the cost of Lenders Mortgage Insurance (LMI).
If you are already a homeowner, we can also help you refinance to a more competitive rate, often without the need for a full reassessment. Our goal is to make the loan process simpler and more accessible for professionals like you.
✅ Low deposit loans
✅ Easier serviceability tests
✅ First home/investment loans
✅ 40 year home loans
Amir Masinovic created Shield Mortgage Brokers to help first time buyers fund their dreams with the best available loans in the market. With access to over 75 of Australia’s leading home loan providers, we're sure to find something that works for you. Our panel includes all the major lenders, leading non-bank lenders, and deposit loan lenders.
Servicing clients Australia wide, we happily serve customers by offering the convenience of online and phone meetings. All that's needed now is to reach out and book an appointment that works for you.
Strategic Advice, Not Just Loan Products
More than just comparing rates. we'll take the time to understand your full financial picture and long-term plans. Whether you're buying your first home, refinancing, or investing, we'll help structure your loan to support your broader goals, giving you confidence at every stage.
I’ve worked with Shield Mortgage Brokers a couple of times now, and they’ve always made the whole process so much easier. They really listen to what you need and help you find the best loan options. Highly recommend if you’re looking for someone who knows their stuff.
Harry Jacob
I was struggling to refinance my home loan myself until I reached out to Amir at Shield Mortgage Brokers. He not only found me a loan but also structured it in a way that cost me less each month. His knowledge and customer-focused approach made the process less stressful. Highly recommended!
Katrina M.
Amir helped me get a debt consolidation loan that improved my monthly cashflows by some degree. Recommended service.
Aiden Tirrell
Schedule a time to chat — we’ll help qualify you and advise the documents we'll need
Once you provide us your documents we scan the market and review your options together
We'll prepare the application and confirm pre-approval/formal approval
We'll support your conveyancer/agent as required through to settlement
We can connect via Zoom or Phone – Whatever Works Best for You
Buying your first home is an exciting milestone, but it can also feel overwhelming. At Shield Mortgage Brokers, we’re dedicated to simplifying the process and helping you make informed decisions. With access to banks and lenders nationwide, we find home loan options tailored to your unique needs—whether you prefer fixed or variable rates, or want to explore offset accounts.
We guide you by assessing your financial situation, including credit history, loan amount, and loan-to-value ratio (LVR), so you know exactly how much you can borrow and which interest rates you may qualify for. We also help you check eligibility for Lenders Mortgage Insurance (LMI) waivers and First Home Owner Grants (FHOG)—valuable programs that can reduce upfront costs.
Applying for a home loan doesn’t have to be complicated. We simplify the process from start to finish, assisting with document collection, loan application, and securing pre-approval. Pre-approval strengthens your position as a buyer and gives you a clear budget to shop within.
Stamp duty can impact your upfront expenses. Our experts help you understand how this government tax applies to your purchase and explore any concessions available to first home buyers.
If you’re interested in your first investment property, we can guide you through the investment loan application process, ensuring you’re prepared and confident.
Shield Mortgage Brokers is here to support you with personalised advice and access to a wide range of lenders. Contact us today to start your journey toward home ownership or property investment with confidence.
We love helping First Home Buyers and hope you keep us as part of your team of experts when you continue up the property ladder in the future. With our experience in the end-to-end process, we provide the right guidance to First Home Buyers. Enquire about joining our free mentoring program for First Home Buyers. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.
Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.
Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.
All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.
We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.
We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.
Shield Mortgage Brokers P/L ABN: 40 684 384 816. Credit Representative # 566400 is authorised under Australian Credit License 384704
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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