We help you compare loan products across 40+ lenders to find the right solution for your finance needs.
*Terms and conditions apply. Cashback offers are available from some lenders only, apply to certain net loan amounts, vary between lenders and are subject to each lender’s current offers and eligibility criteria. LMI (lenders mortgage insurance) waivers are available from some lenders only, for eligible professions, up to the maximum LVR (loan to value ratio) each lender allows, and are subject to lender policy and approval. Not all applicants will qualify.
First Home Buyer & Investment property loans with competitive rates.
Business & commercial property financing solutions.
House & Land packages and construction finance.
Self-managed super fund property loans with specialist guidance.
Better rates on your existing loans - save money with our expertise.
Vehicle, truck, and equipment loans with flexible terms.
Your dream home deserves a mortgage that resonates with your goals. Let’s find it together.
Waived LMI means a lender does not charge Lenders Mortgage Insurance even when you’re borrowing more than 80% of a property’s value — saving you potentially thousands of dollars upfront.
Ideal for self-employed individuals, freelancers, and business owners who have solid income but can’t provide traditional payslips or tax returns. Use BAS statements, bank statements, or an accountant’s letter instead.
Buy a property with less than the standard 20% deposit — from just 2% via government-backed schemes, or 5% with most lenders. Ideal for first-home buyers, upgraders, and investors who don’t want to wait years to save.
| Scenario | Min. Deposit | LMI Waived? |
|---|---|---|
| Standard low-deposit | 5% | No |
| With guarantor | 0% | Yes |
| First Home Guarantee | 5% | Yes |
| Family Home Guarantee | 2% | Yes |
Genuine savings guide: 15–19% deposit: usually not required • 10–15%: most lenders require it • 3–5%: almost always required.
Important Disclaimer: The mortgage information above is for general educational purposes only. Lending policies, government scheme eligibility, LVR limits, LMI rules, interest rates, and deposit requirements change frequently and may have been updated since this page was last reviewed. This content does not constitute financial advice. Please reach out to our team or call us for current, personalised guidance.
Know your repayments before you buy. Work out your home loan repayments in seconds, including extra repayments and what a rate rise would cost.
Estimated monthly repayment
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Estimate only. Results assume a constant interest rate for the whole term, repayments made on time, and exclude fees, offsets and redraw. Your lender’s actual repayments will differ. This is general information, not credit advice, and is subject to lender approval and eligibility criteria.
Stay updated with the latest news in finance, property markets, and lending strategies.
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Your local Amber Finance specialist can help you make it happen! Whether it be for your first home, commercial property, investment or business loan, we'll help you find, compare and select the right loan for your needs.
Amber Finance is a Melbourne mortgage broker based in Point Cook. We help first home buyers, upgraders, investors, builders and business owners right across metropolitan Melbourne, from the City of Wyndham and Melbourne’s west to the north, east and south-east – and Australia wide.
…and Australia wide. That includes Geelong, Ballarat and regional Victoria. Wherever you are buying, refinancing or building, we compare loans across 40+ lenders and handle the paperwork for you.