A mortgage broker who actually works for you.
Banks can only sell their own loans. We compare 30+ lenders and find the one that suits your situation — whether you're buying your first home, refinancing, investing, or self-employed and tired of being told no.
Independent • Best Interests Duty • No cost to you
Walking into a bank is only seeing one option.
Every bank has a script. They'll show you their products, on their terms, against their criteria. If you tick their boxes, great. If you don't — self-employed, low deposit, casual income, complex situation — you're often told no with no real explanation of which lender would have said yes. A broker exists to fix exactly that. We compare the whole market, find the lender that fits you, and make the case for you.
What working with us looks like.
A free 15-minute chat.
We learn your situation, your goals and what you're trying to do. No pressure, no commitment.
We compare 30+ lenders.
We shortlist the lenders most likely to approve you on the strongest terms — and explain why they're the right fit for you specifically.
We handle the application and beyond.
Paperwork, lender follow-ups, valuations, conditions, settlement — we manage the whole process and keep you updated all the way through.
Specialists in the situations banks make hard.
First-home buyers.
Schemes, grants, low-deposit pathways — we map it all out and tell you what you actually qualify for.
Refinancers.
We benchmark your current loan against the market and tell you honestly whether it's worth switching.
Investors.
First property or fifth — we structure your borrowing for cash flow, serviceability and your long-term plans.
Self-employed and complex income.
Sole traders, contractors, company directors, bonus and commission income — we know which lenders look at it the right way.
Why people choose Amica over going direct.
The whole market, not one shelf.
We compare more than 30 lenders — including specialist ones banks don't talk about. You get options, not a sales pitch.
Best Interests Duty.
Australian brokers are legally required to recommend what's right for you. It's not a marketing line — it's the law we work under.
We specialise in the tricky stuff.
If your situation isn't textbook, that's exactly where we're most useful. We've placed loans for clients banks turned away.
Fast, hands-on service.
Same-day callbacks. Real humans. You'll never be left wondering where your application is at.
It costs you nothing.
The lender pays us when your loan settles. You get the same rate, the same product — sourced, negotiated 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
Let's find out what's actually possible.
One free 15-minute chat. No pressure, no commitment, no cost. Just a clear picture of what you can do and the smartest way to do it.
Or call us on 0417 218 599.