More than a loan.
A strategy.
Efficient approval
Panel of 30+ lenders
15+ years of experience
Structures for Yield, Growth or Tax Strategy
About shaper.
Smart lending for smart investors.
Property investment isn’t just about interest rates - it’s about structure.
At Shaper, we help you finance with the long game in mind. Whether you're focused on cashflow, capital growth, or tax effectiveness, we’ll shape a loan that supports your strategy, not just your next purchase.
If you're looking for any of the following, we 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.
Investor-Grade Loan Structuring
Compare investor-friendly lenders
Cashflow & Tax Strategy Alignment
Portfolio-Aware Advice
How It Works
We get clear on your investment goal & lending position
Whether it’s yield, growth, tax effectiveness or portfolio expansion - we align your loan to your strategy. We also review the impact of your existing equity and structure.
Time: as quick or deep as you want.
Outcome: Clarity on whether it makes sense to move forward.
We compare lenders that work with investors
From the majors to the niche. We know who supports interest-only, trusts, or complex income.
We’ll shape the path based on your plan.
Time: typically 24 hours.
Outcome: To get you an indicative rate and quote, without impacting credit score.
We structure your finance with foresight
Fixed vs variable, standalone vs cross-secured, offset vs redraw - shaped for growth, not just approval.
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 get your loan approved and ready for your next move
Fast turnaround. Minimal admin. And a setup designed to scale.
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 Get the Full Picture, So You Get the Full Potential.
How your loan is set up today affects what you can buy next, how much you’ll repay, and what you can claim.
We’ll help you build a lending strategy that works as hard as your property.
Always-on optimisation
Lender Workarounds
Structured to suit you
15+ years of experience
Human Advice, Not Bots
No pushy refinance triggers
Shape a loan strategy that backs your investment goals.
See what happens when strategy comes first.
We're mortgage brokers, technically.
But most of our clients say they feel like they've finally found someone who gets it.
We kept their borrowing power intact.
The equity was there - the bank just didn’t see it.
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?).