Stay updated with the latest news in finance, property markets, and lending strategies.
Saving a 20% deposit in Melbourne can feel like training for a marathon where someone keeps moving the finish line. The First Home Guarantee (FHBG) is the…
Read More →Every borrower asks the same question: "How much will the bank lend me?" It's the most-searched home loan question in Australia for a reason. The honest answer is it…
Read More →The house deposit has become Australia's national sport: everyone has an opinion, nobody has enough avocado toast money, and the finish line moves every spring. Let's…
Read More →Who doesn't love a $10,000 payment from the government? Before you start choosing paint colours, here's the catch: the Victorian First Home Owner Grant (FHOG) is only…
Read More →Imagine paying for an insurance policy where the bank gets the payout, and you get… a polite thank-you. Welcome to Lenders Mortgage Insurance, or LMI. It's confusing…
Read More →The name makes it sound like you're un-buying your house and getting paid for the privilege. Not quite, but it's closer than you'd think. A reverse mortgage lets…
Read More →There's a special kind of suspense reserved for waiting on a home loan: it's like watching a pot boil, but the pot is your future house and the water is paperwork.…
Read More →Applying for a home loan is like applying for a passport, a job and a gym membership all at once, except the gym wants three months of bank statements. The good news…
Read More →Being your own boss is wonderful: flexible hours, no annoying manager, and a boss who completely understands when you want a day off. Then you apply for a home loan…
Read More →You've been in business for years. You pay your bills, you invoice on time, your accountant likes you (mostly). So surely a nice letter from that accountant saying…
Read More →You've found your dream home. Your current home is not yet sold, and your dream home will not wait for your open-for-inspection schedule. Enter the bridging loan: a…
Read More →Everyone has a cousin who "made a fortune in property" and a barbecue theory about how easy it is. Reality is a little less glamorous: spreadsheets, loan assessments…
Read More →You've saved the deposit, you've won the auction, and the lender has said yes. Time for champagne? Not quite. There's a hidden cast of costs waiting at the door…
Read More →Signing a contract of sale is the moment a lovely daydream turns into a legally binding document. There's no "undo" button, no extended warranty, and no friendly shop…
Read More →A 30-year mortgage is a bit like a long-haul flight: you will get there eventually, but the in-flight cost is shocking. On a $750,000 loan, the bank can end up…
Read More →Paying off a mortgage in 10 years sounds like something only lottery winners and people who live on rice can do. Plenty of people pitch the idea of clearing a home…
Read More →
Determining borrowing capacity is the first real step in the home-buying journey, but it's a bit more scientific than just multiplying your salary by a random number.
Read More →
Bridging Finance is essentially a short-term loan that 'bridges' the gap between the purchase of a new property and the sale of an existing one.
Read More →
Choosing a builder is arguably more important than choosing the house design itself. You're entering a long-term relationship.
Read More →
Choosing an interest rate type is a bit like choosing an outfit for Melbourne weather—you can go for the heavy coat, the t-shirt, or a bit of both.
Read More →
Often, a shiny 5.29% interest rate appears in big, bold font. Then, right next to it, in a font so small it requires a microscope, there is a 5.80% Comparison Rate.
Read More →
If a deposit is less than 20%, Lenders Mortgage Insurance (LMI) will likely be a factor. Yes, the borrower pays the premium, but the bank gets the payout.
Read More →
If a house is bought for $800,000, more than just $800,000 is needed. amber-finance.com.au ensures clients have a 'survival fund' for the bits the real estate agent might have missed.
Read More →
Both of these features help in paying less interest, but they behave differently when it comes to spending. We help match the right feature to your spending habits.
Read More →
Patience is a virtue, but it's a virtue that's tested during a mortgage application. Typically, we advise clients that the process takes 4 to 6 weeks.
Read More →
Going to a 'regular bank' for a mortgage is like going to a restaurant that only serves one dish. It might be a great dish, but what if the place next door has a buffet?
Read More →
A local broker knows that the commute from Williams Landing is different from Truganina, and why certain pockets of Werribee are currently a goldmine.
Read More →
Whether looking for a chic apartment in the Brisbane CBD, a family home in Western Sydney, or a warehouse in Perth, we are built to service every corner of Australia.
Read More →