Mortgage Broker in Coogee
At Shield Mortgage Brokers, we're Mortgage Brokers in Coogee helping locals get a new loan or refinance their existing loan
Amir Masinovic created Shield Mortgage Brokers to help borrowers fund their dreams with the best available loans in the market. With access to over 75 of Australia’s leading home loan, commercial loan and asset finance lenders on our panel and thousands of loan options, we're sure to find something that works for you. Our panel includes all the major lenders, leading non-bank lenders, specialised commercial lenders and diverse niche lenders.
Servicing clients in Coogee, we happily serve locals 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.
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At Shield Mortgage Brokers, we understand the unique dynamics of the Coogee property market. Our team of dedicated Finance & Mortgage Brokers is committed to helping you make informed decisions when buying a home in this vibrant coastal suburb. Whether you're a first-time buyer or a current resident seeking a better option, our expertise ensures you can access loan options from banks and lenders across Australia, tailored to your financial situation.
Our professional services start with helping you explore various loan options. You’ll have access to fixed and variable interest rate loans, allowing you to weigh the benefits of each. A fixed interest rate loan can provide stability in your repayments, while a variable loan rate offers flexibility depending on market conditions. Our team will assist you in understanding your borrowing capacity, ensuring you secure a loan that matches your financial capabilities. We closely look at relevant factors such as credit history, loan to value ratio (LVR), and loan amount, providing you with transparent insights to optimise your loan application.
An essential element in buying a home is navigating the application process efficiently. At Shield Mortgage Brokers, we prioritise a streamlined application process to mitigate stress so you can apply for a loan with confidence. Our brokers work alongside you, ensuring that key elements like bank statements and calculating loan repayments are managed accurately. Whether you're applying for a home loan or an investment loan, securing loan pre-approval can significantly strengthen your buying position. We'll guide you through attaining this certificate, offering insights into potential interest rate discounts that may be accessible.
For those leveraging home equity or refinancing, understanding how to use an offset account can further benefit your financial position. Offsetting effectively reduces the interest you pay, maximising your savings in the long term. Additionally, we'll assist with the practical details of the transaction, such as understanding stamp duty implications and evaluating lenders mortgage insurance (LMI), which can often be a complex part of the loan process.
The Coogee property market presents unique opportunities, and our local expertise provides you with an advantage. Familiarity with local property trends empowers us to offer you tailored advice that considers the fluctuating market conditions, offering a strategic approach to your investment. By staying abreast of developments and utilising our connections, we find competitive loan rates suitable for your specific needs.
Accessing the right loan and getting pre-approved is pivotal in making your property purchase smoother and more achievable. Reach out to Shield Mortgage Brokers today to begin your journey in the Coogee property market. Our commitment is to deliver clarity and peace of mind, ensuring your steps towards homeownership are well-informed and advantageous. Let us partner with you to make a well-grounded investment by applying our expertise and dedication to your unique needs.
Exploring the variety of loan options available to locals in Coogee and nearby areas can feel overwhelming. This guide simplifies the process, helping you make informed choices suited to your financial situation.
These loans are tailored for individuals who plan to live in their Coogee property. Lenders often view this as a lower-risk option, resulting in competitive interest rates and favourable terms. This makes owner-occupied loans an excellent choice for those buying a home to live in.
With this type of loan, you pay only the interest for a set period, typically five to ten years. While this can reduce repayments during the initial term, the overall cost increases once principal repayments begin, requiring careful financial planning.
These loans combine repayments of both the principal and interest. Over time, the total debt decreases steadily, ensuring the loan is fully repaid by the end of the term. This structure provides a clear path to financial freedom.
These loans come with interest rates that change based on market trends, influencing monthly repayments and the overall cost of borrowing. While they offer flexibility, fluctuations in rates mean monthly repayments can vary.
A fixed-rate loan secures your interest rate for a specified term, typically between one and five years, ensuring consistent repayments during this period. After the fixed term, the loan usually reverts to a variable rate, which may increase or decrease depending on market conditions.
Bridging loans are designed for individuals transitioning between properties. They provide short-term funding while waiting for the sale of your current home. Though these loans often have higher interest rates and shorter terms, they are a practical solution for covering gaps in financing. Proceeds from the property sale are usually used to pay off the loan.
Understanding these loan types allows you to choose a mortgage that suits your needs and aligns with your financial goals.
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
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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