Mortgage Broker in Randwick
At Shield Mortgage Brokers, we're Mortgage Brokers in Randwick 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 Randwick, 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 Randwick for all your home buying needs. Whether you're planning to make Randwick your new home or you're already a resident seeking to better understand your mortgage options, we provide expert guidance throughout the complex journey of buying a home. As experienced finance and mortgage brokers, we connect you with loan options from banks and lenders across Australia. With our local insights and expertise, we help you manage every aspect of the process, from understanding interest rates and lenders mortgage insurance (LMI) to navigating the finer details of stamp duty and loan pre-approval.
Our primary focus is to ensure that you have access to a range of loan options that suit your financial situation. Understanding your unique borrowing capacity is critical. By evaluating your credit history and analysing the loan amount required, we help you choose the most suited product. Whether you're looking for a fixed interest rate loan or prefer the flexibility of variable loan rates, we guide you through the interest rate landscape. We also assist in calculating loan repayments to ensure you can comfortably manage your home loan. Special features like an offset account are explored to maximise your money, potentially offering tax benefits and reducing the loan amount faster.
Shield Mortgage Brokers recognises that buying a home is one of the most significant investments you'll make, and our job is to streamline the application process. Applying for a loan can be daunting, but with our help, we make it straightforward and uncomplicated. We organise necessary documentation like bank statements and walk you through the different aspects of the loan application, helping you to avoid unnecessary delays. The mortgage market can be competitive, which is why we strive to secure the best interest rate discounts for you and offer advice on managing lenders mortgage insurance (LMI). Our streamlined application process ensures you have a clear understanding of loan types, options, and how they fit within your financial strategy.
A deeper understanding of local property market trends in Randwick is another advantage we offer. Knowing when and where to invest can influence your success, whether it be a home loan or an investment loan. We empower you with insights into the influences affecting property prices in the area, providing you clarity on the potential home equity you could build.
Before you even begin the house inspection tours, consider getting pre-approved. A loan pre-approval positions you as a serious buyer in the eyes of sellers and enables you to move swiftly when you find the perfect property. This preparatory step involves assessing your loan-to-value ratio (LVR) and confirms your borrowing capacity, giving you confidence when making an offer.
In the vibrant community of Randwick, Shield Mortgage Brokers stands as a knowledgeable ally, ensuring every aspect of the financial journey towards home ownership is covered. Whether you are a first-time buyer or looking to optimise your investment strategy, our personalised services are designed to meet your specific needs. Contact us today to apply for a loan or learn more about our services. Allow us to assist you in reaching your home buying goals in Randwick and beyond.
Exploring the variety of loan options available to locals in Randwick 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 Randwick 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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