Home Loans

Whether it's your First Home, Next Home or Dream Home, we're on your side

We’d like to invite you make Shield Mortgage Brokers your trusted partner when it comes to accessing home loan options from banks and lenders across Australia. Whether you're buying a home in Sydney or elsewhere in the country, our team is here to simplify your home loan journey. We understand that applying for a home loan can be overwhelming, and that's why we’re here to shield you through the process and help you find the right solutions tailored to your needs.

Home loans come with various options, including fixed interest rate home loans and variable home loan rates. Each has its own set of benefits. A fixed interest rate provides stability, ensuring your monthly repayments remain consistent for a predetermined period. On the other hand, variable interest rates fluctuate with the market, offering potential savings when rates drop. With Shield Mortgage Brokers, you can explore these home loan options to find what suits your financial situation best.

Interest rates are a crucial factor when considering a home loan. A lower home loan interest rate can significantly reduce your overall repayment amount. We help you access competitive rates and even explore interest rate discounts where possible. Additionally, understanding the loan to value ratio (LVR) is essential, as it affects how much you can borrow. A lower LVR often means better interest rates and can impact whether you need lenders mortgage insurance (LMI). Our brokers can guide you through these considerations, ensuring you make informed decisions based on your borrowing capacity and financial goals.

Your credit history plays a significant role in the home loan application process. A good credit history can improve your chances of securing favourable terms. At Shield Mortgage Brokers, we work with you to assess your credit profile and offer advice on enhancing it if needed. We also assist in gathering necessary documents, such as bank statements, to ensure your Home Loan application is as strong as possible. By getting pre-approved for a home loan, you gain a clear understanding of your borrowing capacity, making the buying process smoother.

Stamp duty is another aspect to consider when buying a home. This government tax can add to your initial costs, and it's essential to factor it into your budget. Our experts help you calculate these costs along with your home loan repayments, enabling you to plan effectively.

In the property market, having a Home Loan pre-approval gives you an advantage. It signals to sellers that you're a serious buyer with finances in order. With Shield Mortgage Brokers, you not only get access to a wide range of home loan options but also benefit from our expertise in securing pre-approvals efficiently.

An offset account can be a useful feature in managing your home loan. By linking this account to your home loan, you can reduce the interest payable, thereby saving money over the life of the loan. We assist you in understanding how this works and whether it aligns with your financial situation.

Shield Mortgage Brokers is dedicated to helping you apply for a home loan that meets your needs. From exploring different Home Loan options and understanding variable and fixed rates to calculating costs and improving credit profiles, our comprehensive services are designed with your success in mind.

Take the first step towards owning your dream home by reaching out to Shield Mortgage Brokers today. Let us guide you through the complex world of home loans with ease and confidence. Our team is committed to providing you with the best possible service and support throughout your journey in buying a home.