Local Mortgage Broker Advice
for Mascot and the Eastern Suburbs of Sydney
for Mascot and the Eastern Suburbs of Sydney
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 Mascot and the surrounding Eastern Suburbs, we happily serve locals by offering the convenience of online, in person and phone meetings. All that's needed now is to reach out and book an appointment 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
At Shield Mortgage Brokers Mascot, we’re your trusted partner for all things home loans and property investment. As a leading finance and mortgage broker, we understand the unique property market in Mascot and are here to help you navigate the complexities of buying a home or investing in property. With access to a wide network of banks and lenders across Australia, we’ll find the most suitable finance solution tailored to your needs. Our expertise and personalised approach means you can secure competitive interest rates and loan terms that align with your financial goals.
Buying a home is one of the biggest financial decisions you’ll make — and we’re here to make it easier. At Shield Mortgage Brokers, we simplify the process so you can focus on what matters. We’ll guide you through every step, from assessing your borrowing power to submitting your loan application, making sure everything runs smoothly. We’ll talk through your credit history, desired loan amount, and whether you’re looking for a home loan or an investment loan. We’ll also explain important financial factors like Lenders Mortgage Insurance (LMI), stamp duty, and Loan-to-Value Ratio (LVR) — all of which can affect your options. Whether you prefer a fixed rate, a variable rate, or want to understand the pros and cons of each, we’ll ensure you have all the information you need to make the right decision for your circumstances.
Financing a home can feel intimidating, particularly for first timers— 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.
Dreaming of buying a home with a small deposit? We can help make it happen. We work with lenders who offer low deposit home loans, including exclusive programs for essential workers such as nurses, teachers, police officers, and professionals in IT, engineering, and allied health. These programs can enable you to buy with as little as a 5–10% deposit, often without paying LMI — saving you thousands. Even if you don’t fall into one of these categories, we still have solutions to help you get into your new home sooner. Let’s chat about the best option for you.
Choosing the right mortgage broker can make all the difference on your journey to homeownership or property investment. At Shield Mortgage Brokers, we’re committed to supporting you every step of the way — securing loan terms that align with both your aspirations and your financial reality.
If you’re buying a home or investing in Mascot, reach out to Shield Mortgage Brokers today. Let us help you navigate the local market with clarity, confidence, and ease.
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, we can help you reduce or even avoid paying Lenders Mortgage Insurance (LMI). And if you’re already a homeowner looking for a better rate, we can assist you to refinance — often without requiring 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 many home loan options available to locals in Mascot and nearby suburbs can feel overwhelming. This guide is here to simplify the process, helping you make informed decisions that suit your financial goals and circumstances.
Ideal for buyers planning to live in their Mascot property, owner-occupied loans are considered lower-risk by lenders. This often means more competitive interest rates and favourable terms, making them a smart choice for those purchasing a home to live in.
With an interest-only loan, you pay just the interest for an initial period — usually 5 to 10 years. This keeps your repayments lower at first, which can free up cash flow, but it’s important to plan ahead: once the interest-only period ends, repayments increase as you begin paying down the principal as well. Popular with property investors looking to maximise tax deductions on interest payments while preserving capital for next acquisition.
This is the most common loan structure, where each repayment covers both the loan principal and the interest. Over time, your debt steadily decreases, and the loan is completely repaid by the end of the term — offering a clear and predictable path toward full ownership.
A variable rate loan means your interest rate — and therefore your repayments — can rise or fall in line with market conditions. These loans offer flexibility and the potential to save if rates drop, but keep in mind your repayments can also increase if rates go up.
With a fixed-rate loan, your interest rate is locked in for a set period (typically 1–5 years), giving you certainty over your repayments during that time. After the fixed term ends, the loan usually reverts to a variable rate, which can then change depending on the market.
Bridging loans are designed for buyers transitioning between homes — for example, when you’ve bought a new property but haven’t yet sold your current one. They provide short-term funding to cover the gap, usually at a higher interest rate and over a shorter term. Once your existing home sells, the proceeds are used to pay off the loan. These loans can be a popular strategy in rising markets but the risks need to be clearly understood. We can help you understand those risks.
Understanding the different types of loans available helps you choose a mortgage that not only meets your immediate needs but also supports your long-term financial wellbeing. If you live in Mascot or the surrounding area and you’d like personalised guidance in finding the right loan for your situation, we’re here to help — get in touch today.
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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