We hold an Australian credit licence ( 390573) as required by the National Consumer Credit Protection Act, and we are fully insured. Our staff are qualified and are members of the MFAA and AFCA programs aimed at ensuring professional and ethical lending practices.
We can offer free service because we get paid by the lender for doing the work that would otherwise be done by a bank manager or branch staff.
But unlike a bank, we can help you choose from a wide variety of lenders and offer you a customized tailored advice.
Michael graduated from Sydney University with a Bachelor in Mathematics and Science. Before starting Shape home loans in 2008, he worked for Commonwealth bank, H&R block Accountants and Ge Capital. Michael is a passionate property investor with a sizable portfolio of residential, blocks of units and commercial properties.
Michael has over 20 years’ experience in the mortgage industry and is the main mortgage broker who clients speak and interacts with daily.
We listen – We recommend a solution and product that fits your requirements and financial needs now and into the future. We work with multiple lenders, increasing your chances of obtaining a loan with the best possible terms for your situation. For example, we can find lenders who offer loans to borrowers who have limited funds for deposits or who have reached their serviceability limits.
We are Researchers – We have over 45 lenders on our panel that we deal with on a regular basis. Each lender has different borrowing capacity, set up cost and policies.
We are negotiators – We will always try to negotiate the best possible interest rate and lowest possible set up costs with the same banks!
We are organizers – We will organize your loan from start too finish. We will work as a team and communicate on a regular basis with; the lender, your lawyers, lender’s lawyers, real estate agent, bank’s valuer, accountants and most importantly- YOU
We are here to help – All our brokers and staffs are property investors and home owners, so we understand the stress and questions you may have with investing in a property and home ownership.
Did you know that some larger mortgage broking companies are part owned by one of the banks? We are independently owned, and can arrange loans with the four major banks as well as many reputable non- bank lenders, international lenders and private money bankers.
We are part of the largest network of broker- Connective. This allows us to negotiate the best possible rate on your behalf.
Are you out in the bush? Interstate? Overseas? We can efficiently deal with your application by email, phone, DocuSign, Zoom, Microsoft teams, Wechat and Whatsapp.
As both a member of the MFAA and AFCA we are bound to uphold the highest level of standards with our work. Members must meet strict experience, education, ongoing training and insurance requirements to renew their membership each year.
| Services | Banks | Other Mortgage Brokers |  |
|---|---|---|---|
| Services are free of charge |  | | |
| Access to over 45 lenders |  |  | |
| 100% 5-star Google reviews | | | |
| 100% Australian operations/staff and owned | | | |
| Liaise with your Solicitor or conveyancer | | | |
| Liaise with your Buyers agent and accountant | | | |
| Free road map planning | | | |
| Regular Post settlement catch up and support – rate review | | | |
| Staff are experienced property investors and homeowners (Walk the walk, talk the talk) | | | |