Amy Ferguson - Inca Mortgage Solutions

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Amy Ferguson - Inca Mortgage Solutions

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Buying a house or investment property? Need a home loan, investment loan or asset finance? Contact Helping investors and home buyers achieve property ownership

23/10/2026

Same income. Same HECS-HELP debt. Different results.

This example shows just how important it is to work with an experienced broker who understands all the different lending policies when applying for a loan.

Small details in how lenders assess your profile can make a big difference in how much you can borrow. HECS-HELP debt is a prime example:

➡️ Standard Assessment: Most lenders include your HECS-HELP repayments (which are a percentage of income) when assessing your serviceability.
➡️ Near-Term Exclusions: Some lenders may exclude repayments if the balance will be paid off within a short time frame (generally 12 months).
➡️ Balance Threshold Rules: Select lenders will exclude the repayments entirely if the total HECS-HELP debt falls below a certain amount.

The example graphic compares the exact same buyer across two different lenders - one with HECS-HELP repayments included and the other without.

A good reminder to never rely on just one lending option - policy nuances matter more than you think!

15/10/2026

Car leases have risen significantly in popularity over recent years, but many property buyers don’t realise the impact they can have on future borrowing capacity.

In this video, I break down exactly why I advise buyers to steer clear of car leases if they’re preparing for a new mortgage.

08/10/2026

Most people understand that reducing their liabilities would increase their borrowing capacity, but did you know that 𝐜𝐫𝐞𝐝𝐢𝐭 𝐜𝐚𝐫𝐝𝐬 𝐚𝐫𝐞 𝐚𝐬𝐬𝐞𝐬𝐬𝐞𝐝 𝐨𝐧 𝐭𝐡𝐞𝐢𝐫 𝐥𝐢𝐦𝐢𝐭, 𝐧𝐨𝐭 𝐭𝐡𝐞𝐢𝐫 𝐛𝐚𝐥𝐚𝐧𝐜𝐞?

This means reducing your limit or cancelling your credit card is an easy way to increase your borrowing power.

Lenders are focused on managing risk - you could go out and spend up to the limit of your card at the drop of a hat.

Lenders generally apply a repayment of 3.8% of the limit of the card, regardless of whether you’re actually using the card – that's $380/m for a $10,000 limit card.

So, if you’re looking to maximise your borrowing power, consider these three steps:

✔️𝐂𝐥𝐨𝐬𝐞 any surplus cards you’re not using.
✔️𝐏𝐚𝐲 𝐝𝐨𝐰𝐧 any existing credit card debt.
✔️𝐑𝐞𝐝𝐮𝐜𝐞 your credit card limits to the minimum you need.

01/10/2026

𝟏𝟎 𝐘𝐞𝐚𝐫𝐬 𝐢𝐧 𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬. 𝟏𝟎 𝐋𝐞𝐬𝐬𝐨𝐧𝐬 𝐈'𝐯𝐞 𝐋𝐞𝐚𝐫𝐧𝐞𝐝 𝐀𝐥𝐨𝐧𝐠 𝐭𝐡𝐞 𝐖𝐚𝐲.

Looking back, there have been plenty of challenges and more lessons than I could ever count. But if I had to narrow it down, these are the 10 that have had the biggest impact on both my business and my life:

1️⃣ 𝐊𝐧𝐨𝐰 𝐲𝐨𝐮𝐫 𝐯𝐚𝐥𝐮𝐞 - Don't be afraid to stand behind the value you bring.

2️⃣ 𝐏𝐫𝐨𝐭𝐞𝐜𝐭 𝐲𝐨𝐮𝐫 𝐭𝐢𝐦𝐞 - Time is your most valuable asset. Once it's gone, you can never get it back.

3️⃣ 𝐓𝐫𝐞𝐚𝐭 𝐩𝐞𝐨𝐩𝐥𝐞 𝐭𝐡𝐞 𝐰𝐚𝐲 𝐲𝐨𝐮'𝐝 𝐥𝐢𝐤𝐞 𝐭𝐨 𝐛𝐞 𝐭𝐫𝐞𝐚𝐭𝐞𝐝 - Business is built on relationships, trust, and respect.

4️⃣ 𝐍𝐨𝐭 𝐚𝐥𝐥 𝐛𝐫𝐨𝐤𝐞𝐫𝐬 𝐚𝐫𝐞 𝐜𝐫𝐞𝐚𝐭𝐞𝐝 𝐞𝐪𝐮𝐚𝐥 - Experience, knowledge, integrity and genuine care make all the difference.

5️⃣ 𝐋𝐞𝐚𝐫𝐧 𝐭𝐨 𝐬𝐚𝐲 𝐧𝐨 𝐞𝐚𝐫𝐥𝐲 - Every "yes" to the wrong thing is a "no" to something more important.

6️⃣ 𝐁𝐞 𝐟𝐥𝐞𝐱𝐢𝐛𝐥𝐞 𝐚𝐧𝐝 𝐚𝐝𝐚𝐩𝐭𝐚𝐛𝐥𝐞 - Markets change. Technology changes. Customer expectations change. The ability to adapt is critical.

7️⃣ 𝐃𝐨𝐧'𝐭 𝐜𝐡𝐚𝐬𝐞 𝐞𝐯𝐞𝐫𝐲 𝐬𝐡𝐢𝐧𝐲 𝐧𝐞𝐰 𝐨𝐛𝐣𝐞𝐜𝐭 - Stay focused on what actually moves the needle.

8️⃣ 𝐂𝐨𝐧𝐬𝐢𝐬𝐭𝐞𝐧𝐜𝐲 𝐰𝐢𝐧𝐬 - Success doesn’t come from one big moment. It's the result of showing up and doing the little things well, day after day.

9️⃣ 𝐁𝐮𝐢𝐥𝐝 𝐚 𝐛𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐲𝐨𝐮'𝐫𝐞 𝐩𝐚𝐬𝐬𝐢𝐨𝐧𝐚𝐭𝐞 𝐚𝐛𝐨𝐮𝐭 - The difficult days are a lot easier when you genuinely love what you do.

🔟 𝐑𝐞𝐥𝐚𝐭𝐢𝐨𝐧𝐬𝐡𝐢𝐩𝐬 𝐚𝐫𝐞 𝐰𝐨𝐫𝐭𝐡 𝐦𝐨𝐫𝐞 𝐭𝐡𝐚𝐧 𝐭𝐫𝐚𝐧𝐬𝐚𝐜𝐭𝐢𝐨𝐧𝐬 - People do business with people they trust and your reputation as a trusted advisor is worth more than any transaction.

17/09/2026

Earlier this month, I celebrated 10 years of Inca Mortgage Solutions.

Ten years on from taking the leap to follow my passion for property and become a mortgage broker, I can safely say it was the best decision I ever made.

I’m incredibly grateful to all my industry colleagues, BDMs and, most of all, my clients who have supported my small business and been part of Inca’s story so far.

It’s been an honour to help you on your property journeys, and I look forward to many more years of supporting you and your families!

15/09/2026

With Perth property values growing so strongly over recent years, many first-home buyers have been priced out of their area of choice. Due to this, I’ve seen a lot of buyers pivot to rentvesting, where they purchase a property to rent out and continue to live elsewhere.

By separating where you live from where you own property, you can potentially:

✔️ Enter the property market sooner
✔️ Continue living in a suburb that suits your lifestyle
✔️ Build equity to work towards purchasing your future home
✔️ Focus your purchase on growth prospects, not where you personally want to live

In my experience, it’s a strategy that works best when you’re comfortable with (good) debt, have appropriate buffers in place and are disciplined with your money.

If you’re considering rentvesting and would like to understand whether it aligns with your goals, I’d be more than happy to have a chat.

11/09/2026

I wear many hats - property investor, mortgage broker, registered real estate sales rep…. but really what all these titles boil down to is that I have a wealth of property knowledge that I share with my clients to help them navigate the Perth property market and their buying decisions with confidence.

10/09/2026

Working with clients actively house hunting daily means I understand how the Perth property market is changing.

We’re currently seeing a noticeable dip in activity - and while media headlines love to frame market changes as negatives, this specific shift is creating a window of opportunity for buyers.

In this video, I share my insights on why it could be the perfect time to act for first-home buyers and upgraders.

08/09/2026

One of the most rewarding parts of my job is taking the stress out of purchasing a home - especially for first home buyers.

Entering the market can feel overwhelming. Between understanding finance concepts, negotiating offers, and finding the right settlement team, it’s a lot to carry on your own.

My goal is always to make the journey feel clear and manageable. That means going beyond just finding the right home loan to providing step-by-step strategy, patient guidance and trusted recommendations for every stage of the process.

I’m so grateful for word-of-mouth recommendations like this one - working with repeat clients and their families is the highest compliment! 🤎

03/09/2026

Proud to be part of this statistic! More and more borrowers are engaging with a to help them navigate the current tight lending conditions.

Address

4/23 Richardson Street
South Perth, WA
6151

Telephone

+61425411737

Website

http://www.incams.com.au/

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