Mortgage Broker in Kensington
At Shield Mortgage Brokers, we're Mortgage Brokers in Kensington 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 Kensington, 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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Shield Mortgage Brokers is your trusted partner in Kensington, ready to assist both prospective homebuyers and current residents in their financial journey. As experts in the local property market, our finance & mortgage brokers are dedicated to providing personalised advice and support. Whether you are buying a home, considering an investment loan, or looking to tap into your home equity, our team can help you access a wide range of loan options from banks and lenders across Australia, ensuring you secure the best deal for your financial situation.
One of the primary steps in purchasing a property is understanding your borrowing capacity. This depends on several factors, including your credit history and bank statements. At Shield Mortgage Brokers, we simplify the application process by offering a streamlined approach that ensures you can swiftly apply for a loan. Our brokers will guide you through the intricacies of the Loan application, helping to maximise your loan amount while keeping interest rates favourable. We understand that the loan to value ratio (LVR) plays a crucial role in determining lenders mortgage insurance (LMI) requirements and work diligently to ensure our clients can make informed decisions based on their unique circumstances.
Interest rates are a vital aspect of any loan, affecting your long-term financial commitments. Whether you prefer a fixed interest rate loan for stability or variable loan rates for flexibility, our brokers can help you understand the nuances of each. We also explore interest rate discounts that might be available based on your specific profile, ensuring that your loan interest rate aligns with your broader financial goals. At Shield Mortgage Brokers, we assist you in calculating loan repayments so that you're never caught off guard by unexpected costs.
The team at Shield Mortgage Brokers focuses on ensuring that when you apply for a loan, you do so with confidence. By getting pre-approved, you can shop in the Kensington property market knowing your budget constraints and possibilities. Loan pre-approval allows for a smoother transaction once your dream property is found. Additionally, we advise on the benefits of an offset account, which can help reduce the interest payable on your home loan over time.
Finally, understanding associated costs like stamp duty is essential when buying a home. Our finance & mortgage brokers provide comprehensive insights into potential expenses, equipping you with the knowledge to plan effectively. We offer guidance on both home and investment loans, ensuring that your financial strategy supports your long-term ambitions.
With Shield Mortgage Brokers by your side, you gain access to unparalleled expertise and tailored solutions. Let our understanding of the Kensington property market and loan options empower you to make the best financial decision. Contact us today to begin your journey with a team committed to achieving your home ownership dreams.
Exploring the variety of loan options available to locals in Kensington 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 Kensington 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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