Mortgage broking for every suburb and town in City of Melbourne. 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 Melbourne is the heart of the city, where apartments, terraces and warehouse conversions sit side by side with parks, universities and hospitals. Whether you're buying your first home in Melbourne CBD, refinancing in Carlton or investing anywhere across the Inner 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 Melbourne CBD or in the smallest town in Melbourne. We know the lenders, we know how they view property in your area, and we handle the paperwork from application to settlement.
Apartments and townhouses are a big part of the Melbourne market. Lenders don't treat them all the same — some are cautious about very small apartments, high-density buildings or certain postcodes, and may ask for a bigger deposit. We know which lenders are comfortable with the property you're looking at, so you don't waste time on an application that was never going to fit. Read more about how much deposit you need.
Investors buy across Melbourne for its rental demand and long-term growth. Investment loans are priced and assessed differently to home loans — rates, rental income shading and serviceability buffers all vary between lenders. We help you structure the loan properly from day one (including whether interest-only or principal-and-interest suits your plan, and how to keep investment debt separate from your home loan). New to investing? Start with our guide to buying your first investment property.
Many of our clients in Melbourne CBD, Carlton 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.
We help home buyers, homeowners and investors in every suburb and locality in City of Melbourne, including:
Don't see your town? We still cover it — just give us a call.
No. We work with clients right across City of Melbourne 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 Melbourne CBD or the smallest locality in the area.
All of them — 11 suburbs and localities across City of Melbourne, including Melbourne CBD, Carlton, Docklands, North Melbourne, Kensington. 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.