Buying your first home shouldn’t feel like guesswork.
We’ll help you know when to use it, when to wait, and how to buy with clarity.
Trusted for 2000+ first home loans
Efficient approval
Panel of 30+ lenders
15+ years of experience
About shaper.
Yes, you can buy with 5%. But should you?
The First Home Guarantee Scheme is a powerful tool - but it’s not right for everyone.
We’ll help you know when to use it, when to wait, and how to buy with clarity.
From pre-approval to settlement, we build a plan that fits your life - not just the criteria.
And we make sure you don’t leave a cent on the table, including:
At Shaper, we simplify the entire process, from pre-approval to settlement - so you can stop stressing and start picturing your life in that new place.
Shaper offers a range of benefits at lightning speed, working with a range of lenders from major banks to niche lenders who specialise in first-home buyers.
Why not just any broker?
Not all brokers are created equal.
We’re here to get you ahead. Because we’re planning for your second, third, and fourth. Not just the first.
And you don’t get there without smarter questions, clearer advice, and a real plan.
Thousands of first-home buyers later, we know the unspoken rules. The things banks won’t tell you. The tweaks that speed things up.
The lenders who understand bonuses, overtime, commission.
The structure that sets you up for what’s next. Your loan should fit you.
Not 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
How it Works
Tell us what you’re aiming for
A quiz or calculator can't really tell you what to do with hundreds of thousands of dollars. We'll need a quick chat to understand your budget, situation, borrowing power, and dream scenario.
Time: as quick or deep as you want.
Outcome: Clarity from a real professional on whether it makes sense to move forward.
We compare a range of lenders for you
Not all banks are first-home friendly for all situations. We'll find the one that puts you in the best position.
We'll fact find, gather necessary docs, connect accounts, and run valuations or reports where necessary.
Time: typically 24 hours.
Outcome: To get you an indicative rate and quote, without impacting credit score.
We structure your loan the smart way
You might qualify for more than you think. Our brokers look at every angle, grants, LMI, the home guarantee scheme, cashflow - to make it work for you.
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.
You get approved, fast
And we’ll support you all the way to settlement, the final green light.
You'll receive a written lender approval, your full loan docs, ready to e-sign.
And more importantly, your new home.
Time: Typically 2-4 days, depending on the lender.
Outcome: A mortgage shaped to you.
Know what to do with your 5%.
No pressure. No bots. Just strategy.
They'll bring a wealth of knowledge to your situation and find out whether it makes sense to move forward.
We've helped 2,000+ Australians fund their first home.
We're mortgage brokers, technically.
But most of our clients say they feel like they've finally found someone who gets it.
We structured around the grant - not just the bank.
We made the numbers work. Then made sure they stayed that way.
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?).
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