What are you looking to finance today?
About Amica
At Amica Finance, we believe your financial decisions deserve more than a comparison table. They deserve strategy, structure and long-term thinking.
We specialise in guiding ambitious professionals, families and investors through property and lending decisions with calm precision and complete transparency.
Our recommendations are tailored based on your unique position, helping you achieve your goals — from home ownership to building your asset portfolio.
We're not here for one transaction, we're here for your next decade.
Our lending solutions
Whether you're purchasing your first home, restructuring debt, building wealth through property, or funding business growth, we design solutions aligned to your bigger picture.
Residential & investment loans
Structured lending for owner occupiers and property investors, designed to support both immediate purchases and long-term portfolio growth.
Construction & development finance
Funding solutions for new builds and development projects, structured to provide certainty throughout each stage of construction.
Commercial & business lending
Strategic lending designed to support commercial property acquisition, business expansion and operational funding.
Asset & vehicle finance
Flexible funding for vehicles, equipment and essential business assets, structured to preserve cashflow while supporting operational growth.
SMSF lending
Specialist lending structures for trustees seeking to invest in property through superannuation.
Private & specialist lending
Access to private and non-bank lending solutions for unique or time sensitive scenarios where traditional structures may not apply.
Lenders we work with
What our clients say
"Having Samuel from Amica Finance as my mortgage broker made my entire first home buyer experience so smooth - he's extremely knowledgeable, responsive, and able to simplify into simple steps what I thought would be a very complex, difficult process. Couldn't r…"
Ben Hagan
"Sam and Amica Finance have been fantastic throughout our mortgage journey. Sam is knowledgable and goes above and beyond at every possible juncture. He is proactive in seeking the best deal and his communication is excellent!"
Jack Woodley
"Sam was incredibly helpful during my home loan process. Thanks to Sam I was able to get a loan that allowed me to buy the place I wanted. His quick responses and personal touch helped to smooth over any bump in the road and he was able to explain the complexit…"
Josh Konopka
The Amica approach
Strategic structuring
We don't simply secure approval — we structure loans with future refinancing, tax efficiency, investment growth and life changes in mind. The goal is to ensure today's decision enhances tomorrow's flexibility.
Measured guidance
We believe significant financial decisions require clarity, not pressure. We provide thoughtful explanations, transparent comparisons, and steady guidance at every stage, so you can feel confident in both what we recommend and why it supports your long-term goals.
Ongoing partnership
Our relationship continues well beyond settlement. We review your lending regularly, monitoring rate movements and identifying opportunities to strengthen your position over time — ensuring your lending structure evolves with your life.
How it works
Submit an enquiry
Complete a short online form so we can understand your goals and lending requirements.
Speak with your broker
An Amica broker will review your situation, answer your questions and outline your options.
Complete your application
We guide you through a simple online application and collect everything needed on your behalf.
We match you with the right solution
We present suitable lender options tailored to your circumstances and settle with confidence.
SDS Financial Pty Ltd is a credit representative (563518) of LMG Broker Services Pty Ltd ACN 632 405 504 Australian Credit Licence 517192.
This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
SDS Financial Pty Ltd trading as Amica Finance
ABN 63 680 961 406