Top Mortgage Broker Advice for First Home Buyers

We'll help you get into your first home with finance advice, government grant assistance and mentoring through the buying process. Online service Australia wide, local service Eastern Suburbs and Inner West Sydney.

Book Appointment Investment Loan

5.0

from 3 Reviews

image for First Home Buyers Mortgage Broker Kensington

Where to Start?

Buying your first home can be overwhelming, especially in a fast-moving market where properties sell quickly. Without pre-approval, you risk delays, confusion, or missing out.Pre-approval helps you understand key factors like LVR, borrowing limits, stamp duty, LMI, rate options as well as learn more about the process in advance.

At Shield Mortgage Brokers, we guide you through every step. Assessing your capacity, explaining your options, and securing pre-approval so you can make confident offers when the right property opportunity appears.

Pre-Approval Process

Pre-approval is a key first step in your home loan journey and where we spend the most time together. It’s more than just paperwork, as we work to understand your property goals and long-term plans so we can design a borrowing strategy that fits your future. As part of this stage, we’ll complete KYC checks and verify your financial position by reviewing documents such as:

Income statements or payslips
Tax returns, especially if you are self-employed
Bank account statements
Existing loan and credit card statements

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.

Unlock Benefits

✅ Access discounted rates and offers
✅ Tailored loan strategy to fit your needs
✅ No broker fees for majority of borrowers
✅ Ongoing loan reviews to keep you ahead
✅ Specialise in complex loan situations

Book Appointment

Image for Pre-approval First Home Buyers

How We Make Home Loans Easier to Qualify For

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). Additionally, there are products and other options such as guarantees to help you overcome a low deposit amount.

Common Loan Solutions

✅ Low deposit loans
✅ Easier serviceability tests
✅ First home/investment loans
✅ 40 year home loans

Book Appointment

Image for common loan solutions for first home buyers

About Your Mortgage Broker

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.

Image for Amir Masinovic First Home Buyers Mortgage Broker

Benefits of Working with Us

Image for Strategic Advice First Home Buyers

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.

Image for Complex Scenarios First Home Buyers

Expertise with Complex Scenarios

We regularly assist clients with situations that many brokers shy away from. If you're self-employed, have a tax debt, need to borrow through a trust or SMSF, or are working with a smaller deposit, we can help with complex situations.

Mentoring Clients

With years of experience as a property investor, I mentor first-time buyers and investors through the process. You’ll also have access to trusted professionals, including conveyancers, accountants, and financial planners, to support you at every step.

Our Recent Reviews

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

What are the Steps to Loan Approval

Image for pre-approval process first home buyers

1. Strategy Discussion

Schedule a time to chat, we’ll understand your goals and advise borrowing capacity

Image for documentation required first home buyers

2. Documents Provided

Once you provide us your documents we scan the market and review your options together

image for application process first home buyers

3. Application

We'll prepare the application and confirm your approvals

Image for funding approval first home buyers

4. Funding

We'll support your conveyancer/agent as required through to settlement

Still Unsure? Schedule a No Obligation Consultation

We can connect via Zoom or Phone, Whatever Works Best for You

We'll Help You Understand the Loan Types, Grants and Incentives to Get You into Your First Home

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.

Understanding Your Borrowing Capacity

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.

Streamlined Application Process & Pre-Approval

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.

Budgeting for Stamp Duty and Other Costs

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.

Considering Investment Properties?

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.

Need a Mentor to Guide You?

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.

Request a Call Back

Name

Phone Number

Email Address

Frequently Asked Questions

Can you help First Home Buyers?

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.

Can you help with refinancing an existing Mortgage?

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.

Why should I use a Mortgage Broker?

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.

Are your mortgage brokers licensed and accredited?

All of our Mortgage Brokers are accredited and members of the Finance Brokers Association of Australia (FBAA). They are extremely professional and provide exceptional service across a range of lending options.

Can you only help with Home Loans?

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.

What kind of interest rates can you offer?

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.

301/93 Brompton Rd Kensington NSW 2033

61295387358

About

Services

Key Service Areas

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.