Helping Perth locals make smarter mortgage decisions 

 

I’m Amy Ferguson, founder of Inca Mortgage Solutions, and for 10 years I’ve helped Perth first home buyers and owner occupiers secure home loans that actually suit their situation — not just today, but well into the future.  My role is to simplify the process, explain your options clearly, and make sure you feel confident at every step.​  Choosing a mortgage shouldn’t feel confusing, rushed, or driven by a bank’s agenda. 

 

I work closely with clients across Perth and surrounds, taking the time to understand their goals, financial position, and future plans before recommending a solution. No pressure. No shortcuts. Just clear advice and options that make sense.

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Why I became a mortgage broker

I started Inca Mortgage Solutions to give Perth clients a better experience with finance:

• Clear, honest advice that’s easy to understand

• A loan structure that suits their current and future plans

• Support that doesn’t disappear after settlement

 

Whether you’re buying your first home, upgrading, refinancing, or building an investment portfolio, getting the right guidance from the beginning makes a massive difference over time.

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What I help Perth clients with

I work with a wide range of lenders to arrange:

• Home loans for first home buyers

• Owner-occupied and upgrade loans

• Refinancing to reduce repayments or improve flexibility

• Investment property loans

• Releasing equity for renovations or investment

• Loan structuring advice for long-term planning

 

Because I’m not tied to one bank, my role is to compare, explain, and negotiate on your behalf — so you can make an informed decision with confidence.

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Local knowledge matters

The Perth property market has its own cycles, challenges, and opportunities. Working with a local mortgage broker means you’re getting advice shaped by:

• Current Perth lending conditions

• Local property trends and buying process

• Contract paperwork in Western Australia

• Practical experience with Perth-based clients

 

My local insights helps avoid surprises and keeps your loan aligned with your goals.

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How I work with clients

My process is straightforward:

1. Understand your situation and future plans

2. Collect your information and complete a borrowing capacity assessment

3. Explain your options in plain English

4. Recommend a loan structure that fits you

5. Handle the application and lender communication

6. Be available for reviews and changes down the track

 

Clients often tell me they appreciate having someone in their corner — not just at settlement, but well after.

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Let’s talk about your next step

If you’re looking for a Perth mortgage broker who prioritises clarity, strategy, and long-term outcomes, I’d love to help.

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Get in touch with Inca Mortgage Solutions to discuss your situation and options today.