Mortgage Broker in Maroubra
At Shield Mortgage Brokers, we're Mortgage Brokers in Maroubra 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 Maroubra, 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 dedicated to providing exceptional mortgage broking services to the vibrant community of Maroubra. Whether you are a first-time buyer stepping into the local property market or a seasoned homeowner looking to upgrade, our team of experienced Finance & Mortgage Brokers is here to help you navigate your financial journey. We offer access to a wide range of Loan options from banks and lenders across Australia, ensuring you find the best fit for your financial situation and homeownership aspirations.
Our service starts with understanding your unique financial situation. Factors such as your credit history and borrowing capacity play crucial roles in applying for a loan, and we aim to make the process as smooth as possible. By reviewing your bank statements and other documents, we assess your loan amount eligibility, helping you calculate loan repayments effectively. Whether you’re looking to secure a home loan, investment loan, or access your home equity, our brokers help you get pre-approved with a loan pre-approval, providing a clear picture of your potential borrowing power.
When it comes to interest rate options, Shield Mortgage Brokers offer a thorough explanation of the various Loan Rates, including fixed interest rate loans and variable loan rates, to match your financial needs. We explore benefits like interest rate discounts and the use of an offset account to potentially reduce your loan interest rate and maximise savings. Moreover, we assist in understanding the loan to value ratio (LVR), an important factor when considering lenders mortgage insurance (LMI) and mitigating loan-related risks.
The application process can often feel overwhelming, but our streamlined application process is designed to ease this stress. We provide guidance on every aspect, from initial inquiries to the final approval stages, ensuring clarity at each step. By facilitating communication with banks and lenders, we make applying for a loan a straightforward experience. Additionally, our expertise in the intricacies of stamp duty calculations helps clients prepare for the financial requirements of buying a home.
As part of our commitment, we provide insights into the local property market in Maroubra, enabling you to make informed decisions based on current trends and economic factors. Our brokers tailor our services to the Maroubra area, understanding the nuances of the community and property values, thereby offering a personalised service for each client.
Our ultimate goal is to make your home buying journey in Maroubra as seamless as possible. We cover all aspects of mortgage broking, ensuring no stone is left unturned in finding you the ideal loan product. Shield Mortgage Brokers is your partner in navigating the complexities of home ownership, ensuring your dream of buying a home becomes a reality.
With a dedication to exceptional customer service, Shield Mortgage Brokers invites you to experience our tailored approach to finance and mortgage broking. Whether you are eager to apply for a loan or simply explore different Loan options, our friendly and knowledgeable team is ready to assist. Contact us today to start your journey towards home ownership in Maroubra.
Exploring the variety of loan options available to locals in Maroubra 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 Maroubra 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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