Essential home loan
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Whether you’re purchasing a home, refinancing, or want to know how much you can borrow, our local home loan specialists are here to help.
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Calculators
Find out how much your mortgage repayments could be, and the interest you will need to pay over the life of your home loan.
Find out how much you could potentially borrow up to, and what monthly repayments could look like.
Find out how much stamp duty you may need to pay for purchasing your home to your state government.
Ready to apply?
Purchase or refinance with the Best Digital Bank in Australia* and get same day approval**
We offer a range of home loans to choose from and with different features and benefits, there’s something for everyone.
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Offset home loan
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New customer? Understand your borrowing power & pre-qualify in minutes
This is a good first step. A simple process with no documentation required, or credit checks.
Existing customer? Apply for a home loan increase
Want an increase on your existing AMP home loan? Log into My AMP, go to your variable loan account, and apply in minutes.
My AMP loginHome loan FAQs
From product features, eligibility and processes related to the application, here are some of the common FAQs we receive.
Helpful tips
Applying for conditional approval
This is also known as home loan pre-approval or approval in principle. This can be one of the first steps in house hunting. It allows you to search for a property with greater confidence knowing the amount you can borrow.
Learn more5 ways to get the most from your AMP home loan
No matter what home loan package you have, you can make your home loan work harder, take control of your repayments and build your financial resilience.
5-step guide to refinancing your home loan
Refinancing your loan to another lender is one way to reduce mortgage stress. Here is a guide to help you navigate the process of refinancing.
Have an existing AMP home loan?
Contact us if you have a question about your home loan.
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Mon - Fri: 8am – 8pm (AEST)
Sat & Sun 9am – 5pm (AEST)
What you need to know
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 Owner Occupied AMP Essential Home Loan variable rate, $750,000 and above, LVR ≤60%, P&I repayments. Rate is for new loans only and are subject to change.
2 Owner Occupied Professional Package variable rate, $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.
* Global Retail Banking Innovation Awards 2023 – The Digital Banker
** 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.