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Refinance a home

Our simple online application means you can switch to AMP and start saving. 

Refinance online
Buy a new home

If you don't have a property locked in yet, pre-qualify in minutes to understand your borrowing power.

Pre-qualify today
Buy an investment property

Our fully featured investment loans give you flexibility and control. 

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Home loans for business owners

We’ve simplified and reduced the amount of documentation for self-employed home loans.

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We’ve got a home loan
that’s right for you

See all home loan interest rates & fees

Essential home loan

A variable home loan with no offset facility and no package fees.

Variable rates from 1
% pa
Comparison rate 3
% pa
Terms & conditions
This product includes:

  • Apply online for fast approval

  • Unlimited additional repayments and redraw

  • Variable interest rate

  • Principal & interest (P&I) repayments

  • Flexible repayment options (W, F, M)

  • No ongoing fees

This product does not include:

  • Offset account

  • Fixed rate options

  • Interest only repayments

  • Option for a construction loan interest only period

  • Pre-approved lending limit to borrow against equity

Apply online icon Find out more icon


 

Offset home loan

A home loan with fixed, variable and Line of Credit options. Offsets are available for variable loans. A package fee is applicable.

Variable rates from 2
% pa
Comparison rate 3
% pa
Terms & conditions
This product includes:

  • Apply online for fast approval

  • 100% offset accounts with variable rate loans

  • Variable or fixed rates, or a combination

  • Principal & interest (P&I) or interest only (IO) repayments

  • Flexible repayment options (W, F, M)

  • Unlimited additional repayments and redraw for variable and Line of Credit

  • Additional repayments up to $10K per annum for fixed loans

  • Option for a construction loan interest only period***

  • Pre-approved lending limit to borrow against equity***

  • $349 annual fee

Apply online icon Find out more icon

We're here to help

Connect with one of our home loan specialists for any assistance on your home loan journey.  We offer support on the go with tips, tools and resources, to keep you moving forward.

Home loan support

Looking for something else?

Explore our other home loan options.

Basic Package Home Loan

A home loan with fixed and variable options. Offsets are available for variable loans with offset fees applicable.


 

Offset account

Reduce the interest calculated on your eligible AMP Bank home loan by depositing your regular income and earnings into an everyday banking offset account.


 

Increase your home loan

Looking for additional funds or extra cash? We can help you whether you're looking to do renovations, consolidate your debts or buy your dream car.


 

First Home Buyer Family Guarantee

Get closer to your first home without the need for a hefty deposit. This option allows your parents to leverage their home equity without having to liquidate assets.

Refinance online with AMP
Refinancing with AMP to either our Essential or Offset home loan is fast and easy. We validate your application in real time and if eligible, you can get approval within an hour.**
Refinance online Find out more

Home loan calculators

Explore our different calculators to estimate your home loan repayments, borrowing power or savings when you refinance to an AMP home loan.

See all calculators

News & insights

The pros and cons of rentvesting

30 October 2024 | Property Renting an investment property while continuing to pay a mortgage where you live…how does that work? We unpack this property strategy and explore the pros and cons of maintaining your lifestyle while investing in a more affordable suburb. Read more

Tax time checklist for property investors

17 June 2024 | Blog If you have an investment property, here are some tips to help you prepare at tax time Read more

8 tips to get a harder-working home loan

14 June 2024 | Blog There are many ways you can get your home loan to work harder – from setting up an offset account to reduce the interest you pay, to consolidating your debt. No matter what package you have, you can take control of your repayments and build your financial resilience. Read more

Support at your fingertips

If you need assistance or have any questions, provide your details and one of our home loan specialists in Australia will get in touch.

Book a chat →

New Home Loan enquiries

Call: 1300 534 325

Email: direct_lending@ampbanking.com.au

Mon - Fri 9am - 5pm Sydney time

All other  Home Loan enquiries

Call: 13 30 30

Email: info@ampbanking.com.au

Mon - Fri  8am - 8pm
Sat & Sun 9am - 5pm Sydney time

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. Other rates apply for Investment property loans. Rate is for new loans only and is subject to change.

2 Owner Occupied Professional Package variable rate loan, $1,000,000 and above, LVR ≤60%, P&I repayments. Other rates apply for investment property loans. Rate is for new loans only and are 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. 

*** The option for a construction loan or pre-approved lending limit to borrow against equity are not available through our online application process. If you're looking to access these options, speak to one of our Home Loan Specialists today.