Mortgage broking for every suburb and town in City of Kingston. 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.
City of Kingston is bayside south-eastern suburbs stretching along the beach from Mentone to Carrum, plus family areas inland. Whether you're buying your first home in Cheltenham, refinancing in Mordialloc or investing anywhere across the South-East Melbourne 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 Cheltenham or in the smallest town in Kingston. 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 clients in Cheltenham, Mordialloc and nearby suburbs already own a home. If your loan is a few years old, there's a good chance your rate is no longer competitive — lenders often save their sharpest pricing for new customers. We compare your current loan against 40+ lenders, look at whether a refinance or a simple rate review makes more sense, and help you use the equity you've built for renovations, an upgrade or an investment property. If you're buying before you sell, a bridging loan may help you avoid a rushed sale.
Coastal homes around Cheltenham and Mordialloc come with their own lending quirks. Some lenders apply tighter rules to properties in certain coastal postcodes or with unusual features such as large land, older construction or erosion overlays. We match you with lenders that understand the local market, so your valuation and approval go as smoothly as possible.
Kingston is popular with young families. Whether you're buying your first home, need more bedrooms, or want to be in a particular school zone, we'll show you exactly how much you can borrow and what your repayments will look like. Our guide to how much you can borrow explains how banks work out your limit.
We help home buyers, homeowners and investors in every suburb and locality in City of Kingston, including:
Don't see your town? We still cover it — just give us a call.
No. We work with clients right across City of Kingston 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 Cheltenham or the smallest locality in the area.
All of them — 26 suburbs and localities across City of Kingston, including Cheltenham, Mordialloc, Mentone, Chelsea, Dingley Village. 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.