Business Details
28 Years
experience
Your Trusted Mortgage Broker in Sydney
Australian Mortgage Options (AMO) was established in 1998 with a mission to empower ordinary Australians through innovative mortgage solutions. Founded by Robert Projeski, a former banking industry professional, we identified gaps in traditional lending practices and developed strategies to help clients pay off mortgages faster, minimize tax, and build wealth. Our approach combines deep industry expertise with personalized service, earning us multiple awards from Money Magazine, Your Mortgage Magazine, and Canstar. We specialize in fixed-rate, offset, and self-employed loans, alongside debt consolidation and refinancing services, tailored to meet diverse financial needs. Our team of certified mortgage consultants prioritizes transparency, offering free initial consultations and Australia's lowest-rate home loans.With over 25 years of experience, we have helped thousands of clients secure homes or investment properties, maintaining a client-centric focus that emphasizes long-term financial growth. Our commitment to excellence is reflected in our industry recognition and the trust of repeat clients who refer family and friends. We operate with full transparency, providing no hidden fees and ensuring clients understand all aspects of their loans. Our services extend nationwide, with a strong presence in Sydney and Bankstown, supported by 24/7 client accessibility and streamlined application processes. By continuously adapting to market changes, we remain at the forefront of the mortgage industry, dedicated to delivering value-driven solutions that align with our clients' evolving needs.
Services
Fixed Rate Home Loan
Offset Home Loan
Self-Employed Loans
Debt Consolidation Loans
Home Loan Refinance
Construction Loans
Prestige Home Loan
SMSF Loans
Alt Doc Loans
Bad Credit Loans
Details
- Year established: 1998
Highlights and features
- We offer 25+ years of specialized mortgage expertise since 1998.
- Our team holds multiple industry awards for loan product innovation.
- We provide free initial consultations with certified mortgage consultants.
- We guarantee competitive rates lower than major banks' standard offerings.
- Our loan structures minimize tax and accelerate mortgage payoff timelines.
What people say
Excellent service
Quick approval
Helpful consultants
Trusted advisors
Competitive rates
Services
Fixed Rate Home Loan
AMO's Fixed Rate Home Loan offers predictable monthly repayments by locking in interest rates for set terms. This protects borrowers from market fluctuations while allowing additional repayments without penalties. Ideal for those seeking financial certainty in their mortgage commitments.
Offset Home Loan
Our Offset Home Loan links a transaction account to your mortgage, reducing interest charges by the amount held in offset accounts. This accelerates loan repayment while maintaining liquidity for everyday transactions and savings.
Self-Employed Loans
Tailored solutions for self-employed individuals and business owners requiring non-conforming loan structures. We assess applications based on cash flow and business performance rather than standard income verification methods.
Debt Consolidation Loans
Combine multiple debts into a single mortgage with lower interest rates. This simplifies repayments while reducing overall interest costs, helping clients regain control of their financial position.
Home Loan Refinance
Refinance existing mortgages to access better rates or release equity for property investments. Our consultants analyze current loan terms to identify savings opportunities and wealth-building strategies.
People
Robert Projeski
Founder
Robert Projeski established AMO in 1998 after identifying limitations in traditional banking practices. With extensive financial sector experience, he developed innovative mortgage products that prioritize borrower benefits over lender profits, revolutionizing home loan accessibility for Australians.
Questions
What home loan options are available for self-employed individuals?
We offer specialized low-doc and no-doc loans requiring minimal income verification, tailored to self-employed applicants' unique financial circumstances.
Can I reduce interest payments on my existing mortgage?
Yes, through offset accounts, additional repayments, or refinancing to a lower rate product, depending on your specific situation.
How does the Future Proof Home Loan protect against rate rises?
This product allows switching between fixed and variable rates to always pay the lower option, protecting against interest rate fluctuations.
What documentation is required for loan approval?
Standard applications require ID, financial statements, and property details. Self-employed applicants may use alternative documentation methods.
Are there fees associated with your mortgage services?
We disclose all fees upfront. Many products have no annual or monthly maintenance fees, with transparent cost structures.
How quickly can loan applications be processed?
Pre-approvals often occur within hours, with full approvals typically completed within 5-10 business days depending on documentation completeness.
