Small payments.
Big backyard upgrade.
Shaper compares 30+ lenders to get you a sharp rate on a payment plan in as little as 24 hours.
Get your pool project moving in minutes.
Shaper specialises in funding for home projects like pools and spas and can help turn you your project in reality, fast.
1. Apply for a quote
2. Accept an offer
3. We send funds
Two ways to own it
Who can apply?
Frequently asked questions
If you're securing the finance against your mortgage, we don't set a limit on what you can borrow.
If you're going unsecured (a personal loan), anywhere from $10,000 to $100,000 is considered 'the fast lane" range for approval. Above that is possible too, but will require more time and documentation.
Rates from 6.25% (mortgage secured) or 7.5% (personal loan) depend on your credit profile. Most people get exactly that or land very close to it - we don't quote a rate we don't think you'll qualify for.
No. There are no early exit fees, no early repayment fees, no monthly fees - pay it off the day you can and keep the difference.
That's up to you - you can if you wish, you don't need to.
It depends how your existing loan is structured. Most lenders can set it up as a separate split or sub-account so your original term isn't affected.
Your specialist will walk you through the exact structure that makes the most sense for you.
No. The initial check is completely soft - no impact on your file, and no obligation to proceed.
Yes - this is genuinely one of our specialties.
Low-doc options exist if you've been ABN and GST registered for 12+ months.
It happens - rock, unstable soil, and site surprises are the usual culprits.
Borrowing a small buffer above your quote is common. Ask your specialist about headroom before you finalise the amount.
Yes. As long as you don't have unpaid defaults and meet the other eligibility criteria.
Your finance and your building contract are seperate things.
Most lenders release funds in stages tied to build progress rather than all at once, which limits your exposure.
Always check your builder's licence and insurance before signing.