Local Mortgage Broker Advice
for Maroubra and the Eastern Suburbs of Sydney
for Maroubra and the Eastern Suburbs of Sydney
Amir Masinovic founded Shield Mortgage Brokers to help borrowers reach their goals by providing guidance, smarter choices, and access to the best loans available. With connections to over 75 of Australia’s leading home loan, commercial loan, and asset finance lenders — including major banks, trusted non-banks, specialist commercial lenders, and niche providers — I can help you find a solution tailored to your unique circumstances.
Proudly serving Maroubra and the surrounding Eastern Suburbs, I offer flexible appointment options — online, in-person, or over the phone — to suit your schedule. Simply get in touch to book a time that works for you.
We can meet in person or provide you a secure online platform to provide the following documents to get started on your pre-approval. Lets chat first to confirm what your circumstances are and if more documents will be 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
Shield Mortgage Brokers is dedicated to providing exceptional mortgage broking services to the vibrant community of Maroubra and nearby suburbs. Whether you are a first-time buyer stepping into the local property market or a seasoned homeowner looking to upgrade, our network 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.
We specialise in navigating complex loan scenarios — even if you’ve encountered setbacks or been declined before. My service goes beyond simply presenting loan options. I take the time to understand your goals and craft a strategic solution, whether you’re aiming for wealth creation, building passive income, or finding a place to call home and create lasting memories. If you’re managing credit challenges, a high loan-to-value ratio (LVR), or irregular income, I’ll help you understand your borrowing capacity and structure your application to maximise your chances of approval. I carefully consider every detail to offer clear, honest advice and a plan that works for you.
Financing a home can feel daunting — but I’m here to make it easier. I handle the entire loan process for you, so you can focus on your property goals. I’ll assess your cost of living using your bank statements, prepare your application, and guide you through securing pre-approval to improve your negotiating power and reveal potential rate discounts. Best of all, since I’m paid by the lender when your loan settles, my service is typically at no cost to you.
If you’re planning to buy a home with a smaller deposit, I can guide you through a variety of low deposit loan options tailored to your situation. I work with lenders offering exclusive programs for essential service workers — including nurses, teachers, police, and professionals in IT, healthcare, and engineering — which can let you buy with as little as a 5–10% deposit, often without paying Lenders Mortgage Insurance (LMI). Even if you’re not in one of these professions, there are still competitive options available to help you get into your home sooner and keep your costs under control. Let’s chat about the right solution for you.
Securing the right loan and pre-approval can make your home buying experience much smoother and far less stressful. Get in touch with me at Shield Mortgage Brokers today to begin your journey in Maroubra or the surrounding Eastern Suburbs. I’m dedicated to offering clear, honest advice and supporting you at every stage — now and into the future.
We can help clients in specific industries access loans that are easier to qualify for. If you’re an essential services employee or a university-qualified professional ready to enter the property market, I can help you reduce or even avoid paying Lenders Mortgage Insurance (LMI). And if you’re already a homeowner looking for a cheaper loan, I can assist with refinancing — often without requiring a full reassessment.
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✅ 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 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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