Get a Mortgage that Shapes Around You.
Shaper isn't just another rate-checker. We optimise your entire home loan to fit your life, not the other way around.
About shaper.
Not your average mortgage broker.
Shaper probably isn't the first mortgage broker you've explored.
If you've had a look around, you'll have already seen all the same promises:
Of course we've got all of that too, but we believe there are other things that really matter.
Knowing.
Understanding.
Having.
That's what we do at Shaper.
Brokerage that optimises for your future, not a bank or algorithm.
What are you trying to shape?
Buying your first home
Upgrading or moving
Refinancing
Investing
We Get the Full Story, So You Get the Full Value.
We know what the banks don't say out loud.
The tweaks that speed up approvals. The lenders who get commissions, bonuses, and salary packaging. These aren’t things you'll find in the fine print, but they are what shape a better outcome.
We make sure your loan is optimised for your actual situation - not just a checkbox on a screen.
Always-on optimisation
Lender Workarounds
Structured to suit you
15+ years of experience
Human Advice, Not Bots
No pushy refinance triggers
Our Mortgage Process
Discovery
Let's get to know each other.
We'll ask a few simple questions, whether you're buying, refinancing, self-employed, or just curious.
Time: as quick or deep as you want.
Outcome: Clarity on whether it makes sense to move forward.
Preliminary Checks
We'll fact find, gather necessary docs, connect accounts, and run valuations or reports where necessary.
We then ensure the loan is not unsuitable for your situation.
Time: typically 24 hours.
Outcome: To get you an indicative rate and quote, without impacting credit score.
Lender Match
We shape the deal, structure the application, and match you with the lender that can get you the best outcome.
We do the admin. You stay in the loop.
Time: As soon as you're happy with step 2.
Outcome: Loan selected and applied for.
Formal Approval
The final green light.
You'll receive a written lender approval, your full loan docs, ready to e-sign.
Time: Typically 2-4 days, depending on the lender.
Outcome: A mortgage shaped to you.
We've helped 3,000+ Australians shape their mortgage.
We're mortgage brokers, technically. But most of our clients say they feel like they've finally found someone who gets it.
See what happens when strategy comes first.
They said a guarantor was the only way. We said otherwise.
We didn’t wait for the books to catch up.
The equity was there - the bank just didn’t see it.
Let's make this simple.
We'll bring the answers - and maybe even a few ideas you hadn't considered.
Frequently Asked Questions:
A bank is a group of brokers who can only sell you their own products. Shaper isn't restricted to a single lender. So we can often be much faster, much more cost-effective, and more flexible to your work.
A bank might see ‘truck’ or ‘tractor’ and just think numbers. We see how it fits into your work and your cash flow - and we fight to get you the best deal without all the red tape.
Not always.
Many of our clients go through a low-doc process - that means instead of full financial statements, we just need your ABN and GST registration. We can usually get you approved without the mountain of paperwork.
Sometimes the same day. It depends on your situation and the lender we match you with, but we always push to get you an answer quickly - especially if you’ve already found the truck or machine you want.
Absolutely. Whether it’s fresh off the lot or a workhorse with some years on it, we can usually finance it. If it’s on TruckSales, FarmMachinerySales, or ConstructionSales, we can probably help.
No problem. We finance both dealership and private sales. We’ll help with the checks and paperwork so you’re protected and the process is smooth.
Yes. We regularly work with farmers, contractors, and operators whose income goes up and down with the seasons. We can structure your repayments to match your earning patterns, so you’re not squeezed in the quiet months.
Not at all. Our brokers work with clients all over Australia, from remote farms to city workshops. Everything can be done online or over the phone, and we’re used to working around patchy reception and long hours.
A bank is a group of brokers who can only sell you their own products. Shaper isn't restricted to a single lender.
We shape your options based on your life - not a banks commission targets.
Low-doc just means you don’t have to provide full tax returns or detailed financials to apply. Instead, we use alternative ways to prove your ability to repay - like your ABN, GST registration, and bank statements. It’s designed for business owners who don’t have everything neat in a folder (and who does?).