Mortgage broking for every suburb and town in Hepburn Shire. We compare 40+ lenders for you, and we do it all over the phone — no need to take time off or travel to an office.
Hepburn Shire is spa country, with Daylesford, Hepburn Springs and Trentham drawing tree-changers and short-stay investors. Whether you're buying your first home in Daylesford, refinancing in Creswick or investing anywhere across the Central Highlands region, Amber Finance can help you find the right loan without leaving home.
Because we work by phone and online, you get the same service whether you live in the middle of Daylesford or in the smallest town in Hepburn. We know the lenders, we know how they view property in your area, and we handle the paperwork from application to settlement.
Many of our Hepburn clients are moving out of Melbourne for more space and a better lifestyle. If you're selling in the city and buying in Daylesford or Creswick, timing matters — we can arrange pre-approval, bridging finance or a short-term solution so you don't have to sell before you buy. If your work is changing with the move, we'll also find lenders comfortable with your new employment or self-employed income.
Plenty of buyers in Hepburn are purchasing a holiday home or a short-stay rental. Lenders differ a lot here: some won't count short-stay income at all, some cap the loan size, and others are happy to lend if the numbers stack up. We'll tell you upfront which lenders will consider your plan and how much of the rental income they'll actually use.
Larger blocks are common across Hepburn. Many residential lenders limit how much land they'll accept (often around 10 hectares, sometimes less), and some reduce the maximum loan-to-value ratio for rural or lifestyle properties. If the property earns farm income, a different type of loan may be needed altogether. We know where these lines sit and which lenders are flexible, so you can buy the block you want without surprises at valuation.
We help home buyers, homeowners and investors in every suburb and locality in Hepburn Shire, including:
Don't see your town? We still cover it — just give us a call.
No. We work with clients right across Hepburn Shire by phone, video call and email. You can upload documents securely, and we handle the lender, valuer and settlement paperwork for you — so it doesn't matter whether you're in Daylesford or the smallest locality in the area.
All of them — 56 suburbs and localities across Hepburn Shire, including Daylesford, Creswick, Clunes, Trentham, Hepburn Springs. The full list is on this page. We also help buyers in every other council area in Victoria.
Yes. We'll check your eligibility for schemes like the First Home Guarantee and the First Home Owner Grant, explain stamp duty concessions, and find lenders that suit your deposit and income.
Your first consultation is free and there's no obligation. Before you go ahead we explain in writing how we are paid — for home loans this is usually a commission from the lender you choose.
It depends on the lender and how quickly we receive your documents. Many pre-approvals come back within a few business days once the application is complete. We'll give you a realistic timeline at the start.