Australian Mortgage Managers
About Us
Australian Mortgage Managers PL
not your typical mortgage broker
With a dedication to personalized service and a deep understanding of the ever-evolving
mortgage landscape, we stand out as industry leaders.
Committed to finding tailored solutions for each client, we go above and beyond to ensure
that our customers secure the best possible loan options.
Australian Mortgage Managers PL works closely with a vast network of lenders, providing
access to a wide range of mortgage products, including fixed and variable rate loans,
construction loans, and refinancing options. Our expertise and attention to detail enable us
to guide borrowers through the complex process of obtaining a mortgage, ensuring a
smooth and seamless experience. with our client-centric approach and unwavering commitment to excellence, australian mortgage managers pl sets the standard for mortgage brokers in australia.
What is a Mortgage Broker?
A mortgage broker is a financial professional who acts as an intermediary between
borrowers (homebuyers or property investors) and lenders (banks, credit unions, or other
financial institutions). Their primary role is to help individuals or companies secure a
mortgage or home loan that best suits their needs and financial circumstances.
Services
What Australian Mortgage Managers Do.
Refinancing your property
We conduct thorough research, perform meticulous market comparisons, and skillfully negotiate on your behalf.
Real Estate Investment Loan
A property investment loan in Australia, also known as an investment mortgage or
investment home loan…
Business Loans – Secured
A secured business loan is a type of loan that requires the borrower to provide collateral or
security…
Business Loans – Unsecured
An unsecured business loan is a type of loan that does not require the borrower to provide
collateral …
First Home Buyers
In Australia, a first home buyer loan is a type of mortgage loan specifically designed to assist individuals or families …
Mortgage Deleveraging
In the context of releasing unnecessary loan security held by a lender, refers to the process
of reducing…
Why Choose AMM
for your Home, Commercial or Business Loan
Experience and track record
Strong relationships with funding sources
Preferred lender for specific industry groups
"No Fees, No Worries" product offering
Personalized customer service
Professional Indemnity Insured
Wide range of funding sources
Halal Home Finance Available
Testimonials
Previous
Next
Frequently Asked Questions
Can Australian Mortgage Managers P/L help me with a pre- approval?
Yes. So that you do not miss out on your perfect home, Australian Mortgage Managers P/L
will make sure that you have your perfect home loan ready, subject to some conditions.
What do I need to consider when looking for my first home?
When considering your first home, you should consider proximity to things like public
transport, distance from family and friends, closeness to airports and to busy roads, schools,
parks & community facilities.
What do I need to talk to my real estate agent about?
To make sure your property has the best potential for future growth, research is always
a MUST when buying your first home. When you have short listed a property speak to your
agent and the appropriate government departments to establish previous sale prices, any heritage overlays, easements that may affect future renovation or rebuilding of the
property, covenants, illegal additions and the number of rates payable.
It would pay to conduct a title search to make certain no irregularities exist on the title that
could prevent the sale / settlement from proceeding. It can often cost you a lot of time if
you have found your perfect property and discover after you have paid your deposit that
the vendor has a charge on the title that may prevent them from settling.
It is highly advisable that once you have chosen your perfect first home to speak to your
agent about carrying out some basic inspection work that could save you a great deal of
expense and heartache in the future. Some of the inspections that you should consider
carrying out are:
- Condition of roof
- Condition of the guttering, flues & flashings
- Check for pests like termites and others
- Condition of chimney
- Condition of electrical wiring, gas & water services
- Condition of weatherboards (Check for rot)
- Condition of floor boards. Check underfloor areas for level of ventilation.
- Condition of tiles in wet areas. Mildew and water damage under floor tiles are highly evident with a simple inspection
- Condition of stumps that underpin the house
Check for severe internal cracking in the cornices. Check outside the property to establish if
the house is leaning more in one direction. All of this could mean restumping and the
requirement to remove trees close to the property that may mean damaging the foundation
of the property or the tree's root system.
What do I need to ask for if I am buying my first home that includes common property?
Usually, if your first home includes common property, you are buying a strata titles property
and you will need to ask for the following information:
- Name of the Body Corporate / Management Committee
- Body Corporate fees, including insurance & levy costs
- Deeds & Books
- The specific use of the common areas
- Parking entitlements
- Restrictions on pets
Will Australian Mortgage Managers P/L lend to me if I want to borrow together with someone else?
Yes, as long as all borrowers meet the lending criteria.
Will Australian Mortgage Managers P/L lend to me if my family provides a family guarantee?
Yes, check terms & conditions of doing so with an Australian Mortgage Managers P/L
lending manager.
What types of home loans can Australian Mortgage Managers P/L offer?
Variable Rate Loans
Variable rate loans are very popular and are usually lower than fixed rate loans. This type of
loan can fluctuate up or down and is easier to refinance or increase, as minimal cost with
doing so exists. Variable rate loans allow additional payments at your leisure.
Fixed Rate Loans
Fixed rate loans can provide payment security for up to five years at a time, given your
ability to budget on a known monthly amount. If you have reason to break your fixed rate
home loan before the expiry of the fixed rate you almost always will have to pay a rate
break charge. Principle reduction (additional lump sum repayments).
Split Rate Loans
The ability to part fix your home loan interest rate is a good option to consider. This option
allows you to work out how much you would like to repay over a particular period of time
and leave the interest rate variable. The balance of your first home buyer home loan
remains fixed and provides you with certainty of repayment.
Line of Credit Home Loans
A very popular option amongst Australian Mortgage Managers P/L mortgage reduction
clients, a line of credit home loan allows for a highly flexible method of managing your
home loan. An Australian Mortgage Managers P/L mortgage reduction program has helped
many with eliminating their first homebuyer home loan much sooner. With the equity
created you may invest in residential investment property, renovations, shares, (subject to
your own financial advice) and anything else which may interest you. A greater level of
financial discipline is required when borrowing this way.
