Mortgage broking for every suburb and town in Surf Coast 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.
Surf Coast Shire is the start of the Great Ocean Road, where Torquay's growth estates meet coastal holiday towns and rural hinterland. Whether you're buying your first home in Torquay, refinancing in Jan Juc or investing anywhere across the Geelong & Barwon 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 Torquay or in the smallest town in Surf Coast. We know the lenders, we know how they view property in your area, and we handle the paperwork from application to settlement.
Coastal homes around Torquay and Jan Juc 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.
Much of the buying activity around Surf Coast is in newer estates and house-and-land packages. Building a home is financed differently to buying an established one: a construction loan pays the builder in stages (slab, frame, lock-up, fixing and completion), and you usually only pay interest on what has been drawn so far. We line up the right lender before you sign the building contract, check the land settlement timing, and keep an eye on valuation risk when the build price and the bank's valuation don't match. If it's your first home, we'll also walk you through the government schemes and concessions you may be eligible for — see our guide to the First Home Guarantee and the First Home Owner Grant in Victoria.
Plenty of buyers in Surf Coast 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.
We help home buyers, homeowners and investors in every suburb and locality in Surf Coast Shire, including:
Don't see your town? We still cover it — just give us a call.
No. We work with clients right across Surf Coast 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 Torquay or the smallest locality in the area.
All of them — 29 suburbs and localities across Surf Coast Shire, including Torquay, Jan Juc, Anglesea, Lorne, Winchelsea. 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.