AMD Mortgage Planning Services is an on-line, client focused finance advisory service

What we are about is helping our clients and those of our business partners to own their homes sooner, create wealth and achieve their life goals while maintaining their current standard of living.

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Our Mission

We are client-focused and partner with an Australia wide network of Real Estate Agents, accountants, financial planners and other financial service professionals to deliver the best outcomes possible for our clients. Our planners and support team have a wealth of industry experience.

Who can we help? One of these could be you:

First Home Buyer

More than just getting you a home loan, we’ll show you how to pay it off sooner and ensure you take advantage of any lender or government benefits such as the first home owners grants.

Buying Your Next Home

Don’t just transfer your existing finance, ask us to explore your options first.

Refinancing Your Mortgage

We’ll ensure you have the best structure in place and shop for the best deal.

Restructuring Your Finances

For greater flexibility, better control or cash flow, we’ll get you organised.

Property Investment

Needs planning! Let us work with your (or our) financial professionals to structure your investment and maximise tax benefits.

“Our mission is to secure the best finance options for our clients in order to meet their financial and life goals through a timely, efficient and fuss free process”

What We Do

Initial Loan Qualification

The first step in our process is to have a general discussion on mortgage planning which will include:

There are plenty of online calculators to estimate your borrowing capacity but nothing compares to advice tailored to your needs and unique circumstances. That’s because different lenders have different criteria.

AMD Mortgage Planners will give you a great head start in developing a home or investment budget and provide direction and confidence in your property search.

Loan Structuring

Loan structuring is the way in which we set up the loan(s) to meet the best interests of our clients. There are several aspects to it, including credit, legal and taxation issues. We focus on the credit side in conjunction with our network partners so that loans are set-up with a view to:

The greatest mistake most people make when obtaining finance is they treat it like a transactional sale, that is they are buying a ‘mortgage product’. As often as not they will deal directly with one bank and seek the lowest rate available from that lender.

The lowest rate is not necessarily the best loan product for you.

The first consideration should be how appropriate each product is for your situation now as well as in the future. Flexibility of the product to change with the changing circumstances in your life need to be taken into consideration.

Unfortunately, we cannot erase the past and it’s a costly process to undo poor loan structures and mistakes down the track. AMD Mortgage planners will help you get the right structure from the start and ensure you don’t fall into the hidden traps to which most consumers are not aware.

Property Investment Structuring and Cash Flow Management

For investors borrowing becomes more complex and the appropriate structure and choice of loan products can have a significant impact on your loan repayments, interest costs, cash flow and ultimately success in your investment journey.

It’s all about the numbers so you need to make sure your finances are set up correctly to support your goals. Whether you are buying your first investment property, or already have a few under your belt, the loan process and dealing with banks can be stressful and confusing. Typically bank branch staff are used to assisting the average home buyer but are far less experienced in dealing with the needs of property investors

Finance factors to be aware of when investing in property include:

AMD Mortgage Planners are investment finance specialists who can assist you with all facets of property investment, and make this process as simple and easy as possible, allowing you to focus on more important things.

Lender and Loan Selection

After assessing your objectives and financial needs, the AMD mortgage team will search from over hundreds of loan products from many different lenders, including major banks, smaller banks, credit unions and boutique lenders.

We constantly update our data base and search for the latest deals from the lenders so we can pass on the best rates and benefits to you. Our sophisticated software helps us provide comparison tables so you can make an informed decision and we will recommend a product solution for your needs.

We offer you thousands of products from this huge list of financial institutions:

Managing the Process

When you are comfortable to proceed, The AMD Mortgage Planning team will help you to complete the paperwork and liaise with the lender(s) on your behalf. This will include the completion and lodgement of your application and the on-going communication with all parties until you loan is approved and settled.

Annual Review

People’s needs, lifestyle and budgets change over time so it is important to review the appropriateness of your loan(s) with your planner every year to make sure you stay on track.

Preparing for your meeting with your AMD Mortgage Planner

A common mistake people make when purchasing a home or investment is to identify the property they want and then seek finance. By obtaining finance first you are in a position to move quickly and better negotiate terms. As the saying goes ‘money talks’.

It’s never too early to start planning, so if you’re at the beginning of your home or investment journey have ready a list of questions you’d like to ask.

It’s also a good idea to gather together some documents that will give your planner a better idea of where you stand financially. After reviewing your documents, your planner will also be able to explain any steps you could take to help your loan application get the thumbs up with the right lender.

Some of the paperwork you’ll need includes: 

If, however you have seen a property you’d like to make an offer on, have the contract of sale ready to forward to us so we can get the process started as soon as possible.  

With the support of AMD Mortgage Planning Services’ you are well-placed to understand more about how buying a property works, and how we will help you to start making your goals a reality.


Established in 2009 as a strategic partnership between Finance Broking, Financial planning and Property Investment firms we have grown into an Australia wide network providing access to a broad range of financial services and products.

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