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    Get the fast approval when you apply online

     

    Our online application allows you to choose between our two most popular home loans.

    Home loan features for the savvy investor

    Our home loan features allow for control & flexibility to make investing in property easy.

      

    • No ongoing fees

      Enjoy no ongoing fees with our AMP Essential Home Loan

    • Offset account

      Pay less interest on your home loan with access to offset accounts on our Offset home loan

    • Split your loan

      Enjoy the benefits of a variable and fixed rate loan by splitting your home loan with our Offset home loan

    • Interest only repayments

      More flexible repayment options with interest only repayments on our Offset home loan

    Home loan calculators

    Our calculators can help you crunch the numbers before you apply.

    Discover your borrowing power 

    See how much you could borrow based on your income and expenses.

    Estimate your repayments

    Get a clearer idea of your monthly repayments and ways to reduce your interest.

    See how much you could save

    Enter your current loan details to see how much you could save by refinancing.

    To complete our online application, you'll need to be:

    • 18 years or older, and an Australian permanent resident 

    • Applying as an individual or a married / de facto couple

    • Earning a PAYG salary, or self-employed and trading for at least 2 years as a Sole Trader, Partnership or Company

    • Borrowing 80% or less of the property’s value, with a loan between $250,000 and $2 million

    • Buying an established property, or refinancing a home loan from another bank


    Please note    : The option for a construction loan or pre-approved lending limit to borrow against equity are not available through our online application process.

    Unsure whether you’re eligible? Contact a loan specialist

    How to apply online in 3 easy steps

    1. Get ready

    You will need:

    • Your property details - Address, estimated valuation etc.
    • Your financial details - Bank details, income & expenses.
    • Identification documents - Passport, drivers licence etc. 
    2. Apply online in minutes

    To enable fast conditional approval, our application will use secure, automated assessment tools to:

    • Assess the value of your property
    • Verify your personal details
    • Verify your income and expenses
    • Check your credit history

    We care about your privacy and we don't store or share any unnecessary, or sensitive personal information.

    3. Receive fast approval
    • When refinancing a loan, you can get unconditional approval within an hour.*
    • When you're buying, we aim to give you conditional approval within 24-48 hours of receiving your application.*

    You won't be locked in until you accept and digitally sign the loan offer as part of the settlement process.

    Have unanswered questions?

    We use digital processes and data to assess our online home loan applications. This includes verifying your identity, and assessing your income, expenses, and liabilities. As part of your home loan application, you will be required to log into your internet banking where we will access your financial transaction data safely and securely.


    In most cases, the financial data we obtain via your internet banking is enough. There is no need to provide any documentation (other than proof of identity by taking some photos on your smart phone), making it a quick and easy experience where you can be approved in minutes.


    For the few applications where we may have questions, the Customer Support team will contact you via email and phone to cover any questions they may have. If needed, they may request some additional documentation.

    We aim to use data at every opportunity to deliver a better experience for you. To assess your loan application, we need to complete a digital review of your banking and loan data.


    The process we use to do this is proven, safe and secure. We take data security and the protection of sensitive information extremely seriously.


    We have the following protocols in place:
     

    • One-time use only: we never see or store your banking username or password;
    • Read-only data: your transaction history and account details are read-only – it’s impossible for us to transfer or transact with any of your accounts;
    • Maximum security: we use 256-bit encryption with all information (the same as big banks); and
    • Secure storage: all data is securely stored, and we only use it in accordance with our Privacy Statement & Policy.


    In fact, the information that we digitally assess is similar to what you would supply if you were to manually provide your bank statements to us. We just take the hassle out of the process for you.

    Yes. At this time AMP Bank only has some of its many home loan products available to be applied for online. Please also note that we only accept some customer and property types online.


    It is quite plausible and possible that via an AMP Bank Home Loan Specialist or Mortgage Broker, AMP Bank may still be able to assist you with a home loan. Request a call back or call 1300 534 325 9am-5pm Monday to Friday Sydney time to chat with a Home Loan Specialist.

    See all FAQs

      

    Ready to take the next step?

    We’ve simplified the application process, whether you’re after the convenience of an online, digital experience or the support of a specialist.

    Speak to a loan specialist
    Apply online

    Important information

    The product issuer and credit provider is AMP Bank Limited ABN 15 081 596 009, AFSL and Australian credit licence 234517.

    It’s important to consider your circumstances and read the relevant Product Disclosure Statement or Terms and Conditions before deciding what’s right for you. This information hasn’t taken your circumstances into account. Information including interest rates is subject to change without notice.

    Any application is subject to AMP Bank’s approval. Terms and conditions apply and are available at amp.com.au/bankterms or 13 30 30. Fees and charges may be payable. Full details are available in the Fees and charges guide.

    This information is provided by AMP Bank Limited. Read our Financial Services Guide available at amp.com.au/fsg for information about our services, including the fees and other benefits that AMP companies and their representatives may receive in relation to products and services provided to you. All information on this website is subject to change without notice.

    AMP Bank is a member of the Australian Banking Association (ABA) and is committed to the standards in the Banking Code of Practice.

    A target market determination for these products is available on our TMD page.

    1 Investment AMP Essential Home Loan variable rate, $750,000 and above, LVR ≤60%, P&I repayments. Rate is for new loans only and is subject to change.

    2 Investment Professional Package variable rate loan, $1,000,000 and above, LVR ≤60%, P&I repayments. Rate is for new loans only and is subject to change.

    3 The comparison rate is calculated for a secured loan for an amount of $150,000 over a 25 year term. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

    *In many cases a conditional approval will be provided immediately after submission. The time to receive a full unconditional approval will vary. Where only identification is required, an immediate response to our SMS to complete this could result in an unconditional approval within an hour. Unconditional approval could take longer if we need to seek clarifications from you, or if we need to undertake an inspection of your property. The speed of response is also dependant on the time a second applicant takes to confirm their application details, and for all applicants to complete the biometric ID check. Most metro postcodes and many regional postcodes are eligible. Ineligible postcodes are likely in remote or higher risk areas. You will be told early in the application form if your postcode is ineligible.