The right home loan, without the bank runaround.
We're mortgage brokers. We compare 30+ lenders, do the paperwork, and find the loan that actually fits your situation — whether it's your first home, your next investment, or something the bank made complicated.
No cost to you • No obligation • Australia-wide
Buying a home in Australia shouldn't be this confusing.
Rates change every few months. Every bank has different rules. The calculator on one website says you can borrow $700k, the next says $450k. And the moment your situation is anything other than 'PAYG with a 20% deposit' — self-employed, on contract, low deposit, building an investment portfolio — the conversation gets harder. You shouldn't have to become a mortgage expert just to buy somewhere to live.
How we get you from 'where do I start?' to 'we're moving in.'
A quick chat.
We spend 15 minutes understanding your situation, your goals and your timing. No pressure, no commitment.
We compare the market.
We shortlist the lenders most likely to say yes — and give you the strongest deal — out of 30+ on our panel. You see the options side-by-side.
We handle the rest.
Paperwork, applications, valuations, follow-ups — we manage it end-to-end and keep you updated until your loan settles.
We work with every kind of buyer.
First-home buyers.
We'll walk you through grants, schemes and deposit options — including buying with less than 20% down.
Next-home buyers and upgraders.
Selling and buying at the same time? We'll structure the loan and timing so it actually works.
Investors.
First investment or growing a portfolio — we structure loans with your cash flow and tax position in mind.
Self-employed and complex income.
Sole traders, company directors, contractors, bonus or commission income — we know which lenders look at it the right way.
Why people choose Amica.
We work for you, not the bank.
Brokers are legally required to recommend the loan in your best interests. That's the entire job.
We move quickly.
Same-day callbacks. Pre-approvals in days, not weeks. You'll never have to chase us for an update.
We say what we actually think.
If you're already on a good deal, we'll tell you. If a lender isn't right, we won't push it. Straight answers, every time.
It costs you nothing.
The lender pays us when your loan settles. You get the same rate, the same loan — sourced and managed for you.
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
Frequently asked questions
Ready to find out what's actually possible?
Book a free 15-minute chat with an Amica broker. We'll tell you what you can borrow, what you'd save, and exactly what to do next.
Or call us on 0417 218 599 — we usually answer on the first ring.