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Inca Mortgage Solutions - Amy Ferguson

Updated 2026-07-30 · 4,285 reviewed · 380 listed · Scored from 166 Google reviews · How we rank ›

5.0(166) 91 composite score See reviews on Google ✓ Google-verified Publishes prices
First Home Buyer LoansRefinancingInvestment Property FinanceCommercial & Business FinanceConstruction & Building LoansSelf-Employed & Low-Doc LoansCar & Personal LoansMortgage Broker
Inca Mortgage Solutions - Amy Ferguson
Services
First Home Buyer Loans, Refinancing, Investment Property Finance
Reviews
166

What recent reviews say

Amy Ferguson and her team (including assistant Rad) turn what feels overwhelming into a straightforward path. Multiple clients note she explains complex lending and real estate in plain language, answers quickly, and stays involved months after settlement to review loans and negotiate better rates. First-home buyers especially report feeling supported and guided at every step; her responsiveness and genuine care set her apart from other brokers they've used.

Less commonly, one reviewer flagged that the $220 onboarding fee was not upfront and felt it was charged specifically to clients who would not generate commission. On the whole, she earns sustained repeat business and referrals from satisfied buyers, refinancers, and investors across Perth.

Praised for
  • clear communication and plain explanations
  • responsive and available throughout process
  • knowledgeable and professional
  • goes above and beyond for clients
  • makes complex process feel simple and stress-free
Watch-outs
  • upfront fee disclosure could be clearer
  • fee structure not beneficial for non-commission loans
responsive-communicationexplained-clearlywent-above-and-beyondknowledgeable-brokerpatient-with-questionshandled-complex-situationreliable-followupgreat-with-first-home-buyerssmooth-settlement
Best for: First-home buyers and existing clients seeking regular loan reviews and rate renegotiation.
Think twice if: You value upfront disclosure of all fees before starting; one client felt the $220 onboarding charge was not clearly communicated in advance.

Strengths

  • responsive communication and quick replies
  • clear plain-language explanations
  • ongoing support and loan review after settlement
  • handles complex and unique lending situations

Worth knowing

  • Assistant Rad provides ongoing support
  • Proactively contacts clients every 6-8 months to review loans and negotiate better rates
  • $220 onboarding fee for comprehensive borrowing capacity assessment
  • Amy handles both purchase and sale coordination
  • Accredited with over 30 lenders including major banks and non-bank lenders

What reviews say by service

First Home Buyer Loans
Consistently praised for breaking down the process, making it feel achievable and less overwhelming.
Refinancing
Reviewers report smooth refinancing experiences and proactive rate renegotiation after settlement.
Investment Property Finance
One client reported successful navigation of equity release and investment property loan.
Construction & Building Loans
Listed as a service; reviewers mention help with buying and building, though limited specific praise for construction loans alone.

How it compares

  • Rated 5 against a 4.92 average across the 322 first home buyer loans businesses listed here.
  • Has more Google reviews than 92% of the businesses in this directory.

How we scored this

Scoring Method
Star rating 99
Review volume 97
Review recency 100
Review sentiment 70
Profile completeness 100
Verification 30

Rating breakdown

5
165
4
0
3
0
2
0
1
1

Common questions

Is there a fee upfront?
The business lists a $220 onboarding fee for a comprehensive borrowing capacity assessment. Reviewers suggest this was not always disclosed clearly in advance, so it is worth asking about before starting.
Does Amy stay in touch after settlement?
Yes. One client noted Amy and Rad contact them every 6-8 months to review the home loan and negotiate better rates with the bank.
What hours are available?
The business lists 7 days opening hours on Google. Reviewers mention Amy responds at any time of day, though specific hours are not detailed in available information.

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Last updated 2026-07-30