A bigger move.
A smarter mortgage.
We’ll structure your next loan to fit your lifestyle, not your lender’s.
Efficient approval
Panel of 30+ lenders
15+ years of experience
End to end loan Structuring
About shaper.
You know the process. We know the pitfalls.
This isn’t your first rodeo. But moving or upgrading can still be financially messy if it’s not structured properly.
We’ll make sure your next home doesn’t come with regrets - by lining up the right loan, timing, and features before you sign.
At Shaper, we help homeowners move homes (and mortgages) with intent. If you're looking for any of the following, we can drive a better outcome:
We'll also talk you through some smart features and benefits that can make the move even better:
Bridging Loans
Loan Portability
Offset & Redraw
Interest-Only Periods
Equity Release
Special Lenders
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.
How It Works When You’re Upgrading or Moving
We review your current loan
We start by reviewing your current mortgage. How it’s structured, what’s owing, and what flexibility you have. No pressure, just clarity on whether a shaper 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
Buying before selling? Selling first? Need bridging finance? 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 match you with the right lender + features
Offset, redraw, portability, interest-only? You get tailored options - not just the Big Four. We’ll build the right mix.
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 guide you through the transition
From approvals to settlement, we’ll make sure no detail’s missed. 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 Know the Timing, So You Don’t Miss the Window.
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
Make your next move your best one.
What structure can really do.
We're mortgage brokers, technically.
But most of our clients say they feel like they've finally found someone who gets it.
We bridged the gap - without the stress.
We didn’t wait for the books to catch up.
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?).