Loan Market Tanya Amber

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Loan Market Tanya Amber I believe home ownership is more than just a milestone, it’s a foundation for long-term financial wellbeing.

Based in Adelaide’s stunning Southern Suburbs, our brokerage provides tailored lending solutions for first home buyers, second home investors, and families looking to grow their wealth through property or leverage wealth through self-managed super funds. We specialise in residential lending, construction finance, and navigating government grants with ease, making complex lending feel simple and accessible. Whether you're stepping onto the property ladder or expanding your portfolio, our team brings decades of experience, personal insight, and genuine care to every interaction. We’re committed to helping clients make confident, informed decisions that support their financial goals - now and for generations to come.

04/11/2026

A quarter of a percent. It sounds tiny, doesn't it? But when it's applied to a mortgage worth hundreds of thousands of dollars, the impact can add up quickly. If a lender passes on the full increase, a borrower with a $600,000 home loan could be paying approximately $98 more every month, based on our example. That's around $1,176 a year in additional repayments. And for households already managing rising everyday expenses, that extra cost matters. So, what can you do? ✅ Check whether your current interest rate is competitive. ✅ Ask whether your existing lender can offer a better rate. ✅ Review your loan structure, offset facilities and repayment options. ✅ Consider whether refinancing is worthwhile after allowing for fees, costs and any changes to your loan term. ✅ Review your budget and prepare for the possibility of further changes. You can't control what the Reserve Bank does. But you can make informed decisions about your home loan. If your mortgage hasn't been reviewed recently, let's see whether there are opportunities worth exploring.

04/11/2026

"How much can I borrow?" It's usually one of the first questions people ask when they're looking to buy a property. But there's another question I always encourage borrowers to consider: "How much am I actually comfortable repaying each month?" Because your borrowing capacity and your personal budget aren't necessarily the same thing. A lender will assess your income, expenses, debts and other commitments to determine how much you may be eligible to borrow. But that doesn't automatically mean borrowing the maximum is the right decision. Think about everything else you want your money to do. ✈ Holidays and travel 💰 Building your savings 👨‍👩‍👧‍👦 Family expenses 🏡 Renovations and maintenance ☕ Having some breathing room in your everyday budget And remember, interest rates can change. Your repayments need to remain manageable if they increase. A good mortgage conversation isn't just about getting you into a property. It's about helping you stay financially comfortable once you're there. Let's work out a borrowing range that suits your goals and your lifestyle. Repayment figures are examples only and don't represent a loan offer or personalised borrowing capacity.

04/11/2026

We service our cars, check our insurance and review our household bills. But when did you last give your home loan the same attention? For many Australians, their mortgage is their biggest financial commitment. Yet it's surprisingly easy to leave it untouched for years. A home loan health check isn't necessarily about refinancing or changing banks. It's about asking a few important questions: 🏡 Is your interest rate still competitive? 💰 Could your existing lender offer a better deal? 🔑 Are you making the most of your offset account or redraw facility? 📈 Have your property value and equity position changed? 🎯 Does your current loan still suit your lifestyle and future plans? Sometimes a conversation with your existing lender is enough. Other times, restructuring or refinancing may be worth exploring. And sometimes, staying exactly where you are is the right decision. The important thing is knowing you've explored your options. If you haven't reviewed your loan in the past 12 months, let's arrange a home loan health check.

28/10/2026

💳 High interest rates got you down? 🤕 Review your credit cards! 💸 Close unused ones, lower limits, and run the numbers with your broker before applying for a home loan. Small changes can make a big impact on your borrowing capacity. 👀

21/10/2026

Ever wondered why your borrowing power is lower than expected? 📊 It's because lenders use a 3% higher rate to test affordability. But, did you know that assessment rates and policies vary between lenders? 💰🏠 So, one bank's lower number isn't always the end of the conversation.

19/10/2026

📈 Investors are shifting focus to buying land and new properties for strong rental returns. Same market as first home buyers! Is it time to jump in while the market is slower? What opportunities are there now to secure land at today's price, and wait for interest rates to recover. 💡 Remember, smart investing is about holding comfortably too.

15/10/2026

☕ So, you think being a mortgage broker is all rainbows and butterflies? 🌈🦄 Newsflash: it's actually a whole lot of behind-the-scenes magic that goes down! ✨ People only see the glamour: 🏡 buying the home, ✅ getting approved, and 🔑 getting the keys. But what about the not-so-glamorous stuff? 🤔 Structuring scenarios, checking lender policy, reviewing documents, managing timeframes, liaising with banks, chasing valuers, preparing for auction deadlines... and problem-solving when things go sideways 🤯! No two weeks are ever the same, and honestly, that's what makes it so darn fun 😂! A good broker isn't just a paper pusher; they're a master strategist, process ninja, and time-management wizard ⚡️.

14/10/2026

💸 Don't let genuine savings trip you up, first home buyers! 🤦‍♂️ It's not that you're broke, it's just that lenders are like nosy aunties - they want to know you can save and hold onto that cash like it's a precious gem 💎. They're all like, they will review 3 months of bank statements, evidence oof where the funds come from.
Rent can count with some lenders, but not all.
Gifted funds may still be acceptable as part of your overall contribution, but they don’t always count as genuine savings.
The same goes for recent inheritances or lump sums — they may be usable funds, but not necessarily genuine savings.
So if you’re planning to buy in the next few months, this is something to sort out early, not the week before you apply. 👀
General information only. Genuine savings requirements vary between lenders and products.

Address

Adelaide, SA
5049

Opening Hours

Monday 9am - 5am
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+61434930873

Website

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