Rethink your home loan. Reclaim your cashflow.
Efficient approval
Panel of 30+ lenders
15+ years of experience
Personalised Loan Structuring
About shaper.
It’s your loan. Let’s make it work for you.
Still on the loan you got years ago? You’re probably paying more than you should be.
At Shaper, we help homeowners refinance with intent - whether that’s lowering your rate, freeing up cash, consolidating debt or unlocking equity.
If any of the following apply to you, Shaper can drive a better outcome.
Shaper handles everything - from paperwork to payout - so you don’t have to chase banks.
We work with a large panel lenders from major banks to niche lenders. We’ll take your situation, and show you what’s possible: better rates, fixed vs variable, offset accounts, redraw, and more.
We won’t just refinance for a headline rate - we’ll help you reduce stress, debt, or time on your loan.
How Refinance Works with Shaper
Quick loan health check
We start by reviewing your current rate, repayment, and loan setup. No pressure, just clarity on whether refinance could make sense.
Time: as quick or deep as you want.
Outcome: Clarity on whether it makes sense to move forward.
You tell us your goals
Want lower repayments? Want to work in funds for renovations? We'll shape your refinance around it.
Time: typically 24 hours.
Outcome: To get you an indicative rate and quote, without impacting credit score.
We compare a range of lenders
You might qualify for a lot better value than you think. You get tailored options - not just the Big Four.
We shape the deal, structure the application, and do the admin. You stay in the loop.
Time: Begins as soon as you're happy with step 2.
Outcome: Loan selected and applied for.
We handle the switch
You get approved fast, and we take care of the exit paperwork.
You'll receive a written lender approval, and your full loan docs, ready to e-sign.
Time: Typically 2-4 days, depending on the lender.
Outcome: A mortgage shaped to you.
We See the Gaps, So You Can Close Them.
After thousands of loans, we’ve learned the unspoken rules.
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.
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
Not Sure If It's Worth Switching?
Now it’s time to make the loan work smarter.
We’ll do the math and tell you up front what a refinance could be worth to you. Including:
Your potential monthly savings
How much interest you could cut over time
If you can refinance without extra costs
Whether it’s worth staying with your current lender
It's about more than just rates.
It’s about knowing more.
We're mortgage brokers, technically.
But most of our clients say they feel like they've finally found someone who gets it.
We saved them from refinancing too soon.
We cut five years - without changing repayments.
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?).