While you work hard on your business, we’ll work hard on your home loan
 

Simple documentation

All you need to provide is an ABN that's been established for a minimum of two years, most recent tax returns, and Notice of Assessment.

Fast approval times

We validate your application in real-time. If eligible, you can get approval within hours, allowing you to access your funds quickly and efficiently.

Flexible repayment options

Choose between weekly, fortnightly, or monthly repayments to help manage cash flow, reduce interest, or pay your loan off sooner.

Unlimited repayments

Make unlimited repayments on variable rate home loans, and up to $10,000 a year on fixed rate loans. Our flexible options empower you to pay off your loan on your terms.

Applying is simple

We’ve simplified and reduced the amount of documentation required for Credit Assessment for self-employed customers.

When applying for a home loan, we now only require:

✓ An established customer ABN for a minimum of two years 
✓ One-year tax return (most recent) and Notice of Assessment for individuals (sole traders, directors or partners) 
✓ One-year tax return (most recent) for business entities (company, partnership & trust)

Less paperwork, more time for your business

Book a chat

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

We offer a range of home loans to choose from and with different features and benefits, there’s something for everyone.

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 request to 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

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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 request to redraw

  • 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

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Have unanswered questions?

Does this mean we can allow for less than 2 years trading for self-employed applications?

No, self-employed applications still require a minimum of 2 years trading ABN, only the evidence of documentation has changed to 1 year.

The Credit Analyst has requested financials for an application. Is this allowed?

Yes, if the most recent tax returns do not have sufficient information for a Credit Analyst to confirm income, then Financials may be requested.

What is classified as the most recent tax return?

Most recent tax return is for the last financial year.

E.g. Application received today, we can accept 2023 tax return up until 31 March 2025. 

Ready to take the next step?
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

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.

** 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.