Refinancing - Finance & Mortgage Broker

We're Here to Help You Refinance Your Home Loan or Investment Loan

Refinancing your mortgage can be a smart financial move, whether you're seeking better loan terms, lower interest rates, or access to equity. At Shield Mortgage Brokers, we help homeowners across Sydney and Australia find refinancing solutions that align with their goals.

Why Refinance

Secure a lower interest rate to reduce monthly repayments or shorten your loan term, potentially saving thousands over the life of your loan.
Release equity in your home to fund renovations, invest in a new property, or cover major expenses, without needing to sell.
Consolidate debts into one manageable loan, simplifying your finances and potentially lowering your total interest paid.

When to Refinance

The end of a fixed-rate period is a great time to reassess your options. Another time is when property prices have grown and the extra equity makes your case a lower risk for lenders. We can help compare both fixed and variable rates from a panel of lenders, ensuring you access highly competitive offers.

What to Consider

Refinancing involves reviewing your current loan and replacing it with one that better suits your needs. Key factors include your credit history, borrowing capacity, and required documentation such as bank statements. We make the process smooth by guiding you through every step, from eligibility assessment to approval. We also stay up to date with market trends and lender policy changes, ensuring you receive timely advice that maximises your outcomes.

Let’s Unlock Better Loan Options

Whether you're looking to lower repayments, release equity, or restructure your loan, Shield Mortgage Brokers is here to help you refinance with easy refinance options. In most cases, if we simply find a lower cost option, we can avoid a full application. Get in touch today for a personalised consultation.

How We Make Refinancing Easier

Whether owner occupied or investment property, we can help you find and refinance to a better loan and avoid doing a full assessment application. To qualify you for the easy refinance:
✅ Existing loan over 12 months old
✅ No changes to employment in last 6 months
✅ Good repayment history
✅ Credit scores over 600
✅ At least 20% equity in property

Common Loan Solutions

✅ Better rates
✅ ATO debt loans
✅ Debt consolidation
✅ SMSF loans
✅ Family trust loans

Book Appointment

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About Your Mortgage Broker

Amir Masinovic founded Shield Mortgage Brokers to help borrowers achieve their goals with the best loan options available. With access to 75 lenders and thousands of home, commercial, and asset finance solutions. From major banks to niche specialists, we’ll find the right fit for you. We serve clients Australia-wide with convenient online and phone appointments. Book a time that suits you today.

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Benefits of Working with Us

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Strategic Advice, Not Just Loan Products

We go beyond rates, tailoring your loan to your financial goals. Whether buying, refinancing, or investing, we ensure your loan supports your long-term plans.

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Expertise with Complex Scenarios

We specialise in scenarios many brokers avoid. If you’re self-employed, have tax debt, need a loan through a trust or SMSF, or have a small deposit, we can help.

Mentoring Clients

With extensive property investing experience, I guide first-time buyers and investors. You’ll also gain access to trusted conveyancers, accountants, and financial planners for complete support if needed.

Our Recent Reviews

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

What are the Steps to Loan Approval

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1.Strategy Discussion

Schedule a time to chat, we’ll understand your goals and advise borrowing capacity

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2. Documents Provided

Once you provide us your documents we scan the market and review your options together

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3. Application

We'll prepare the application and confirm your approvals

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4. Funding

We'll support your conveyancer/agent as required through to settlement

Still Unsure? Schedule a No Obligation Consultation

We can connect via Zoom or Phone, Whatever Works Best for You

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Frequently Asked Questions

Can you help First Home Buyers?

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.

Can you help with refinancing an existing Mortgage?

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.

Why should I use a Mortgage Broker?

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.

Are your mortgage brokers licensed and accredited?

All of our Mortgage Brokers are accredited and members of the Finance Brokers Association of Australia (FBAA). They are extremely professional and provide exceptional service across a range of lending options.

Can you only help with Home Loans?

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.

What kind of interest rates can you offer?

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.

Top Mortgage Broker Advice to Refinance a Loan

Want a no-obligation heath check of your current loans? Let us identify better rates and help you start saving. Online service Australia wide, local service Eastern Suburbs and Inner West Sydney.