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Inca Mortgage Solutions - Amy Ferguson

Updated 2026-09-26 · 1,716 reviewed · 444 listed · Scored from 172 Google reviews · How we rank ›

5.0(172) 90 composite score See reviews on Google ✓ Google-verified Publishes prices
First Home Buyer LoansInvestment Property FinanceCommercial & Business FinanceSelf-Employed & Low-Doc LoansConstruction & Building LoansCar & Personal LoansMortgage BrokerRefinancing
Inca Mortgage Solutions - Amy Ferguson
Location
South Perth
Services
First Home Buyer Loans, Investment Property Finance, Commercial & Business Finance
Reviews
172
Ranking
#69 in First Home Buyer Loans
Best for
First-time buyers seeking step-by-step guidance; clients with complex income or non-standard lending needs.

Core details are sourced from this business's Google Business Profile (checked 2026-09-26). Website-sourced details were fetched 2026-07-30.

What do recent reviews say?

Amy Ferguson builds trust through patient, clear communication and deep lending knowledge. First-time buyers and existing clients repeatedly credit her with simplifying an intimidating process and staying proactive from application through settlement. One reviewer found the $220 assessment fee unexpected and felt deprioritized when no commission would flow to the broker; Amy holds that fee transparency and scope are distinct issues.

Her strength is matching complex situations to lender options across 30+ institutions. Staff assistant the team earns specific praise for ongoing support. Many clients return for refinancing or investment property work, and she proactively negotiates rate reviews every 6-8 months. The complaint around fee clarity sits against overwhelmingly consistent praise for professionalism and genuine care.

Praised for
  • patient, clear explanations
  • knowledgeable and professional
  • responsive communication
  • goes above and beyond
  • makes complex processes feel manageable
Watch-outs
  • fee structure not clearly advertised upfront
  • limited commission opportunities result in service gaps
responsive-communicationexplained-clearlywent-above-and-beyondknowledgeable-brokerpatient-with-questionshandled-complex-situationreliable-followup
Best for: First-time buyers seeking step-by-step guidance; clients with complex income or non-standard lending needs.
Think twice if: The $220 onboarding assessment fee is not prominently flagged upfront and may catch borrowers seeking commission-only brokers off guard.

What are they good at?

  • Accredited with 30+ major and non-major lenders
  • Proactive 6-8 month rate review cycle
  • Deep expertise in complex and non-standard borrowing situations
  • Staff support (notably assistant the team) throughout process

What reviews say by service

First Home Buyer Loans
Reviewers consistently praise Amy for breaking down the process, answering questions patiently, and reducing stress for first-time buyers.
Refinancing
Clients report Amy simplifies refinancing and proactively negotiates better rates; one mentions she negotiated a bank discount after the initial purchase.
Investment Property Finance
Reviewers credit Amy with handling second property purchases and equity-release work smoothly and with strong guidance.
Construction & Building Loans
Website lists construction loans as a service; reviews mention Amy helping buyers navigate buying or building decisions, but no explicit construction-loan-specific feedback.
Self-Employed & Low-Doc Loans
One reviewer notes Amy deciphered complex payslips and explained them to the bank, suggesting competence with non-standard income.
Mortgage Broker
Across all loan types, reviewers highlight Amy's ability to match clients to suitable options from her lender panel and her professionalism as a broker.

How it compares

  • Rated 5 against a 4.91 average across the 339 first home buyer loans businesses listed here.
  • Has more Google reviews than 93% of the businesses in this directory.

How we scored this

Scoring Method
Star rating 99
Review volume 97
Review recency 100
Review sentiment 67
Profile completeness 100
Verification 30

Rating breakdown

5
171
4
0
3
0
2
0
1
1

FAQ

Does Amy charge a fee upfront?
Yes. Inca Mortgage Solutions charges $220 for a comprehensive borrowing capacity assessment as an onboarding fee. Amy's website does not flag this prominently, and at least one reviewer was surprised by it.
Can Amy help if my income is irregular or from self-employment?
Yes. One reviewer notes Amy successfully deciphered complex payslips and explained them to the bank, suggesting she has experience with non-standard income.
Does Amy follow up after the loan settles?
Yes. Multiple reviewers report Amy contacts them every 6-8 months to review rates and negotiate better terms with the lender.

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Last updated 2026-09-26