Local Mortgage Broker Advice
for Coogee and the Eastern Suburbs of Sydney
for Coogee and the Eastern Suburbs of Sydney
Amir Masinovic founded Shield Mortgage Brokers to help borrowers achieve their dreams by guiding you toward smarter choices and securing the best loans possible. With access to over 75 of Australia’s top home loan, commercial loan, and asset finance lenders — including major banks, leading non-banks, specialist commercial lenders, and niche providers — we can find a solution tailored to you.
Servicing Coogee and the surrounding Eastern Suburbs, we proudly assist locals with the flexibility of online, in-person, or phone appointments. All you need to do is get in touch and book a time that suits you.
We can meet in person or provide you with a secure online platform to share the documents we need to get started on your pre-approval. Let’s have a chat first to understand your circumstances and confirm if any additional documents are required.
Self Employed:
✅ PROVIDE last 2 BAS returns
✅ PROVIDE 6 months bank statements
✅ PROVIDE most recent ATO notice of assessment
✅ PROVIDE 100 pts ID - 2 of: drivers license, Medicare, passport
PAYG Borrowers:
✅ PROVIDE last 3 months pay slips
✅ PROVIDE 6 months bank statements
✅ PROVIDE most recent ATO notice of assessment
✅ PROVIDE 100 pts ID - 2 of: drivers license, Medicare, passport
At Shield Mortgage Brokers, we’re proud to offer a local, personalised service to Coogee and the surrounding Eastern Suburbs. Our network of dedicated Finance & Mortgage Brokers is committed to helping you make informed decisions when buying or refinancing a home. 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.
We thrive in solving loan challenges — even if your situation is complex or you’ve been told “no” before. Our service goes beyond simply showing you loan options. We work with you to find solutions that fit, including fixed or variable rate loans, each with its own advantages depending on your goals and circumstances. Whether you have credit issues, a high loan-to-value ratio (LVR), or non-standard income, we’ll help you understand your true borrowing capacity and structure your application for the best chance of approval. We look closely at every relevant detail — credit history, loan amount, LVR and more — to give you clear, honest advice and a strategy that works.
Buying a home can feel overwhelming — but that’s where we come in. At Shield Mortgage Brokers, we handle the loan process for you, so you can focus on finding the right property. We calculate your cost of living using your bank statements, prepare your application, and guide you through securing pre-approval to strengthen your position and uncover potential rate discounts. Best of all, our service usually comes at no cost to you — as we’re paid by the lender when your loan settles.
If you’re looking to buy a home with a smaller deposit, we can help you explore a range of low deposit loan options tailored to your needs. Working with lenders who offer special programs for essential service employees such as nurses, teachers, police, and many professionals working in IT, health and engineering — allowing you to borrow with as little as 5–10% deposit, often without paying Lenders Mortgage Insurance (LMI). Even if you’re not in one of these professions, there are still attractive solutions available to help you get into your home sooner while keeping costs manageable. Let’s talk about the right option for you.
Accessing the right loan and getting pre-approved is pivotal in making your property purchase successful and less stressful. Reach out to Shield Mortgage Brokers today. Servicing Coogee and the surrounding Eastern Suburbs, our commitment is to deliver clarity and honesty, ensuring your progress towards homeownership remains well-informed and advantageous. Let us partner with you now and into the future, applying our expertise and dedication to support your unique needs every step of the way.
We help people in specific industries access easier-to-qualify loans. If you’re an essential services worker or a university-qualified professional looking to enter the property market, we can help you avoid Lenders Mortgage Insurance (LMI). If you’re already a mortgage holder looking for a better rate, we can assist you with refinancing — often without the need for a full assessment.
✅ Low deposit loans
✅ Easier serviceability tests
✅ Simpler refinance loans
✅ First home/investment loans
✅ ATO debt loans
✅ SMSF loans
✅ Family trust loans
✅ 40 year home loans
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 meet in person, Zoom or phone – whatever works best for you.
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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