Mortgage Broker Australia — Find the Right Home Loan With AMA Accountants
Buying a home is one of the biggest decisions of your life. Getting the wrong loan can cost you thousands of dollars over time. Getting the right one can save you just as much.
At AMA Accountants, we are licensed mortgage brokers who help Australians across every state and territory find the right home loan — at the right rate — with less stress and less paperwork.
We compare home loans from major banks and trusted lenders, handle the application for you, and guide you from your first question all the way through to settlement.
Whether you are buying your first home, investing in property, or looking to refinance, we are here to help
Why Use a Mortgage Broker Instead of Going Directly to a Bank?
Most people think they need to walk into their bank and hope for the best. But there is a smarter way.
A mortgage broker like AMA Accountants works for you — not the bank. We compare dozens of lenders at once and find the deal that suits your situation.
Direct to Bank
Limited Loan Options
You only see that bank’s rates and loan products. Better options from other lenders may be missed.
More Paperwork
You manage applications, lender communication, and paperwork yourself.
Bank-Focused Advice
Banks generally recommend their own products only.
Using AMA Accountants
Multiple Lender Comparison
We compare home loan options from multiple lenders to help find a suitable solution for you.
We Handle the Process
Our team helps with paperwork, applications, and communication with lenders.
Advice Based on Your Goals
We provide guidance based on your income, goals, and financial situation.
Tip: Using a licensed mortgage broker costs you nothing extra. Brokers are paid by the lender — not by you.
Our Home Loan and Mortgage Services
We offer a full range of mortgage and home loan services for buyers, investors, and homeowners across Australia.
First Home Buyer Loans
Buying your first home is exciting — but it can also be confusing. We simplify the whole process. We explain every step, help you access government grants and schemes you may be eligible for, and find you a loan with a deposit that works for your budget.
- Help with the First Home Owner Grant (FHOG) where eligible
- Access to low deposit loan options
- Guidance on the First Home Guarantee scheme (subject to eligibility)
- Simple explanations — no confusing bank language
Refinancing Your Home Loan
If you have had your current mortgage for a few years, there is a good chance you are paying more than you need to. Refinancing means switching to a better loan — and it could save you hundreds of dollars every month.
- We compare your current rate against what is available in the market today
- We calculate whether refinancing makes financial sense for your situation
- We handle all the paperwork and negotiation
- No unnecessary delays — we move as fast as your situation allows
Tip: Even a 0.5% drop in your interest rate on a $500,000 loan can save you over $2,500 per year.
Investment Property Loans
Growing your property portfolio requires the right loan structure from the start. The wrong setup can cost you more tax and more interest over time. We help property investors find loans that are structured correctly for investment purposes.
- Interest-only and principal and interest options explained
- Loans for multiple investment properties
- Guidance on how loan structure may affect your tax position
- Access to lenders that specialise in investor lending
Self-Employed Home Loans
If you run your own business, getting a home loan can feel harder than it should be. Standard income documents do not always tell the full story of your finances. We work with lenders who understand self-employed income and know how to assess your application properly.
- Loans for sole traders, company directors, and contractors
- Alternative income documentation options
- Low doc loan options where applicable
- Our accounting background means we understand your financials — and so will your lender
Fixed Rate Home Loans
A fixed rate home loan locks in your interest rate for a set period — usually 1 to 5 years. Your repayments stay the same each month, which makes budgeting easy. This is a good option if you want certainty and protection from rate rises.
- Rate certainty for 1, 2, 3, or 5 years
- Easy monthly budgeting — your repayment does not change
- Best for people who want stability and predictability
Variable Rate Home Loans
A variable rate home loan moves with the market. When rates go down, you pay less. When rates go up, your repayment increases. Variable loans often have more flexible features, such as offset accounts and the ability to make extra repayments.
- Potential to benefit when the Reserve Bank of Australia (RBA) cuts rates
- Extra repayment and redraw features often available
- Offset accounts can reduce the interest you pay
Joint Home Loans
Buying a property with a partner, spouse, or co-buyer? A joint home loan lets two or more people apply together. This can increase your borrowing power and make it easier to enter the property market.
Reverse Mortgages
A reverse mortgage allows homeowners aged 60 and over to access the equity in their home without selling it. You receive funds as a lump sum, regular payments, or a line of credit. The loan is repaid when you sell the home or pass away. This product has specific conditions — we explain everything clearly before you make any decision.
Lenders We Work With
We compare home loans from a wide range of trusted Australian banks and lenders, including:
- ANZ
- Commonwealth Bank (CBA)
- Westpac
- HSBC Australia
- St George Bank
- Macquarie Bank
- ME Bank
- And many other trusted lenders across Australia
Because we are not tied to any single bank, we can find the loan that genuinely suits you — not the one that suits the lender.
SIMPLE ONLINE PROCESS
HOME LOAN WORKFLOW
Contact Us
Call us, send a WhatsApp message, or complete our online enquiry form. Tell us about your goals and we will guide you through the process.
Free Consultation
We discuss your income, deposit, borrowing capacity, and future plans before recommending loan options.
We Compare Loan Rates
We compare lenders and loan products to help find competitive options based on your goals and budget.
Application Support
We prepare paperwork, submit applications, and communicate with lenders for you.
Approval & Settlement
Once approved, we guide you through settlement until the day you receive your property keys.
We help homebuyers and investors in every major Australian city and region. Our service is available in person and fully online — so it does not matter where you live.
Mortgage Broker Adelaide — Home Loans in South Australia
Adelaide’s property market has grown steadily in recent years, making it one of the most competitive markets in Australia. Whether you are buying your first home in the northern suburbs, investing in inner-city Adelaide, or refinancing an existing loan, AMA Accountants is your local mortgage broker in Adelaide.
We also help homebuyers in the Adelaide Hills, Gawler, Murray Bridge, Mount Barker, Port Augusta, and Whyalla.
- First home buyer loans in Adelaide
- Refinancing advice for Adelaide homeowners
- Investment property loans across South Australia
- Self-employed mortgages for Adelaide business owners
Mortgage Broker Perth — Home Loans in Western Australia
Perth is one of Australia’s fastest-growing property markets. With strong demand across the northern and southern suburbs, more buyers are looking for expert mortgage advice. AMA Accountants helps Perth residents find competitive home loans quickly and clearly.
We also serve buyers in Joondalup, Fremantle, Mandurah, Rockingham, Armadale, Midland, and surrounding areas.
- First home buyer loans in Perth
- Investment property loans in WA
- Refinancing existing Perth mortgages
- FIFO and mining worker home loans in WA
Mortgage Broker Sydney — Home Loans in New South Wales
Sydney is Australia’s most expensive property market. Getting the right loan structure matters even more when property prices are high. AMA Accountants helps Sydney buyers compare home loans from multiple lenders and find rates that make sense for the Sydney market.
We also help buyers in Parramatta, Blacktown, Liverpool, Penrith, the Northern Beaches, the Eastern Suburbs, and surrounding areas.
- First home buyer loans in Sydney
- Refinancing high-rate Sydney mortgages
- Investment property loans in NSW
- Self-employed home loans in Sydney
Mortgage Broker Melbourne — Home Loans in Victoria
Melbourne’s property market is one of the most diverse in Australia — from inner-city apartments to outer suburban family homes. AMA Accountants helps Melbourne buyers and investors find the right home loan for their goals and budget.
We serve buyers across Carlton, South Yarra, Dandenong, Frankston, Werribee, Sunshine, and all Melbourne suburbs.
- First home buyer loans in Melbourne
- Investment property loans across Victoria
- Refinancing Melbourne home loans
- Self-employed mortgage options for Victorian business owners
Mortgage Broker Brisbane — Home Loans in Queensland
Brisbane’s property market has boomed in recent years, driven by strong interstate migration and infrastructure development. AMA Accountants helps Brisbane buyers access competitive home loan rates and expert mortgage advice.
We also help buyers in the Gold Coast, Sunshine Coast, Ipswich, Logan, and Redlands.
- First home buyer loans in Brisbane
- Investment property loans in Queensland
- Refinancing Brisbane mortgages
- Home loans for Gold Coast and Sunshine Coast buyers
Mortgage Broker Canberra — Home Loans in the ACT
Canberra has one of the strongest household incomes in Australia, which creates unique property buying opportunities. AMA Accountants helps Canberra residents find home loans that match their income and lifestyle.
We serve buyers across Gungahlin, Belconnen, Tuggeranong, Woden, and the wider ACT region.
- First home buyer loans in Canberra
- Investment property loans in ACT
- Refinancing options for Canberra homeowners
- Government and public sector employee home loans
Mortgage Broker Darwin — Home Loans in the Northern Territory
Darwin has a unique property market shaped by its remote location, government sector workforce, and growing residential demand. AMA Accountants helps Darwin residents find home loans that work for NT conditions.
- First home buyer loans in Darwin
- Investment property loans in the NT
- Remote area and NT government employee loans
- Refinancing Darwin home loans
Mortgage Broker Tasmania — Home Loans in TAS
Tasmania’s property market has seen strong growth as more people relocate from the mainland. AMA Accountants helps Tasmanian buyers in Hobart, Launceston, Devonport, Burnie, and regional areas find the right home loan.
- First home buyer loans in Hobart and Launceston
- Investment property loans across Tasmania
- Refinancing Tasmanian home loans
- Rural and regional property loan options
Frequently Asked Questions — Home Loans and Mortgages in Australia
A mortgage broker compares home loans from multiple lenders on your behalf and helps you apply for the right one. Instead of going to one bank, you get access to many lenders through one conversation. AMA Accountants is a licensed mortgage broker who works for you — not the bank.
Most lenders in Australia ask for a minimum deposit of 5% to 20% of the purchase price. If your deposit is below 20%, you may need to pay Lenders Mortgage Insurance (LMI). First home buyers may have access to government schemes that help reduce the deposit required. We explain your options clearly in your first consultation.
The best way to find a low home loan rate is to compare lenders — not just look at your existing bank. AMA Accountants compares rates from a wide panel of lenders to find the most competitive deal for your situation. Rate alone is not everything — fees, features, and flexibility also matter.
Yes. Self-employed borrowers can get home loans in Australia, though the process can be more involved. Some lenders require two years of tax returns. Others offer low-doc options for business owners with strong financials. Because AMA Accountants is also an accounting firm, we understand self-employed finances and can present your income to lenders in the best light.
Approval times vary depending on the lender and the complexity of your situation. A straightforward application can be conditionally approved in as little as a few business days. We move as fast as your circumstances allow and keep you updated every step of the way.
A fixed rate home loan locks your interest rate for a set period — usually 1 to 5 years. A variable rate loan moves with the market. Fixed gives you certainty. Variable gives you flexibility. Some borrowers choose to split their loan — part fixed, part variable — to get the benefits of both.
Yes. Refinancing means switching your current mortgage to a new loan — usually with a lower rate or better features. If you have not reviewed your home loan in the last 2 to 3 years, there is a good chance a better deal exists. We compare your current loan against what is available today and tell you honestly whether refinancing makes sense for you.
In most cases, using a mortgage broker costs you nothing. Mortgage brokers are paid a commission by the lender when your loan settles. AMA Accountants will always be transparent about how we are paid, and we are required by law to act in your best interest as a licensed credit representative.
Yes. We help first home buyers understand and access government schemes they may be eligible for, including the First Home Owner Grant (FHOG) — which varies by state — and the First Home Guarantee (FHG) scheme. Eligibility conditions apply and we explain these clearly during your consultation.
Start Your Home Loan Journey Today — Contact AMA Accountants
Whether you are buying your first home, growing your property portfolio, or looking to refinance — AMA Accountants is ready to help. We are licensed mortgage brokers serving homebuyers and investors across Adelaide, Perth, Sydney, Melbourne, Brisbane, Canberra, Darwin, Tasmania, and all of Australia.
- Free consultation — no obligation
- We compare home loans from major Australian banks and lenders
- 100% online service available — no office visit needed
- Licensed mortgage brokers — we work for you, not the bank
- Fast turnaround — we move quickly to get your application in
- Serving all of Australia — city, regional, and remote
