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.
Types of Home Loans We Offer
We understand that every homebuyer is different. That’s why we provide many types of home loans to fit your needs.
Fixed Rate Home Loans
- Your interest rate stays the same for a set period.
- Predictable monthly payments make budgeting easy.
- Best for people who want stability.
Variable Home Loans
- Interest rates can go up or down with the market.
- Potential to save money if rates drop.
- Flexible repayment options.
First-Time Buyer Mortgages
- Special programs for people buying their first home.
- May include lower deposit options or government grants.
Investment Property Loans
- Designed for investors buying rental properties.
- Flexible options for multiple properties.
Other Options
- Reverse Mortgages – For older homeowners looking to access home equity.
- Adjustable Rate Mortgages – Rate changes after a fixed period.
- Joint Home Loans – Ideal for couples or partners buying together.
- Self-Employed Mortgages – Tailored for people with variable income.
Partner Banks & Popular Lenders
We work with major banks and lenders across Australia to give you more choices and better rates. Some of our partners include:
- ANZ Home Loan
- HSBC Home Loan
- Westpac Home Loan Rates
- CommBank Home Loan
Other trusted banks: CBA, St George, ME Bank, Macquarie Bank
Benefits of Using Our Partner Banks
- Access to competitive rates not always available to the public.
- Special packages and offers for first-time buyers or investors.
- Trusted, secure, and reputable lenders.
Why Choose AMA Accountants?
People across Adelaide, Brisbane, Darwin, Canberra, Perth, Sydney, Tasmania, and Melbourne trust AMA Accountants for their mortgage needs. Here’s why:
- Fast and Reliable Service: We guide you every step, from application to approval.
- Experienced Mortgage Brokers: Our licensed team knows the Australian mortgage market inside out.
- Customer Success Stories: Hundreds of happy clients who saved money and time.
- Local & National Support: We offer personal service no matter where you are.
- Simple Process: We explain everything simply and easily.
FAQ – Common Questions About Home Loans
A mortgage is a loan you get from a bank to buy a house. You pay it back in monthly installments.
We can calculate your monthly payment based on the loan amount, interest rate, and loan term using a simple calculator.
We offer fixed, variable, first-time buyer, investment property, and joint loans, plus reverse mortgages.
By comparing rates from multiple banks and using a licensed mortgage broker like vankine.
Yes! Many banks offer grants, lower deposits, and better rates for first-time buyers. We help you access these.
Approval times vary, but our team works hard to speed up the process and get you answers fast.
How Our home loans and mortgages Process Works
Getting a home loan with AMA Accountants is simple:
Contact Us
Call, WhatsApp, or fill out our online form.
Consultation
We discuss your goals and explain all loan options.
Rate Comparison
We find the best mortgage rates from multiple banks.
Application
We prepare and submit your application for approval.
Approval & Settlement
Once approved, you receive your funds and can move into your dream home.
Start Your Home Loan Journey Today
At AMA Accountants we make home loans and mortgages easy for everyone, no matter where you live in Australia. Whether you’re in Adelaide, Brisbane, Darwin, Canberra, Perth, Sydney, Tasmania, or Melbourne, we are ready to help you find the best mortgage deal.
Call us today for a free consultation, chat with us on WhatsApp for instant help, or fill out our online form to get started. Your dream home is closer than you think, and AMA Accountants is here to help you get there.
