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    Features that give you flexibility and control

    • Refinance online and save time with a seamless experience

      Our new 10-year interest-only loans give you the power to maximise your investment choices, while you grow your wealth through property.

    • Improve your borrowing capacity

      Unlike other lenders, we give you a higher percentage of income and rental shading so you can borrow more. 

    • Reduce interest and stay on top of your finances

      Enjoy the freedom of an offset account, where you can make extra repayments that chip away at your loan.

                            

    Choose home loan

    Why choose an AMP Bank home loan

    Get more out of your home loan when you refinance with us.

    Speak to a specialist

    Expert support

    Relax knowing you’re supported by our specialist

    Quick decisions

    Apply and receive unconditional approval within an hour**

    Flexible loan options

    Competitive rates and tailored features

                            

                            

    Our home loan interest rates

    Variable rates from

    • Interest rate (i)

      % P.A

    • Comparison rate(ii)

      % P.A

    Interest rate(i) and comparison rates(ii) for owner-occupied Professional Package home loans with principal and interest repayments.

    View all rates
    Interest Rates
    Home loan specialist

    Our home loan specialists are ready to help 

    An AMP Bank home loan specialist is here for you at every stage of your journey to growing wealth through property. They’ll help you: 

    • Set up the right home loan
    • Talk through the best rates, products and features for your goals
    • Guide you through the application process
    • Be your dedicated expert support throughout the life of your loan
    Get in touch

                            

    Cashback on purchase

    Limited time cashback offer

    $2,000 cashback* when you purchase or refinance an eligible home loan

    Get $2,000 cashback* when you apply to refinance or purchase between 1st August 2025 and 30th September 2025 and settle by 31st December 2025.

    Speak to a specialist
    Buying home loan

    I’m buying

    Chat with our home loan specialists for a fast pre-approval and be ready to make moves when the “one” turns up.

    We know how hard it can be, getting all your ducks in a row when it comes to buying property. With our fast and easy pre-approval, you’ll be ready to act quickly when the right investment property comes up.

    Our home loan specialists are ready to help you, every step of the way. Book a chat and you’ll be one step closer to achieving your property goals.  

    Speak to a specialist
    Refinancing home loan

    I’m refinancing

    Speak to an AMP Bank home loan specialist and enjoy the support of a local expert, without the branch visits, long queues or paperwork. Whether you’re trying to save on interest, free up equity or just need more flexibility, we make the refinancing process fast and easy. Speak to our home loan specialists or start your application online, at anytime, from anywhere.

    Apply online
    Speak to a loan specialist

    Book a free consultation with our home loan specialists

     

    What to expect

    1. Choose a day and time that works for you.
    2. The date you select for your appointment must be at least 24 hours from the date of the request.
    3. Please allow up to 30 minutes for your appointment.
    4. One of our home loan specialists in Australia will call you.

     

    If your request is urgent, call or email us.

    Phone: 1300 534 325

    Email: direct_lending@ampbanking.com.au

    9am - 5pm Sydney time, Monday to Friday

    Fields marked with * are mandatory.

    Your contact details *

    Name *

    Phone number *

    Email *

    Your preferred date and time to be contacted

    Please note that we do not take appointments on weekends or public holidays.

    The date you select for your appointment must be at least 24 hours from the date of the request. Please allow up to 30 minutes for your appointment.

    Date

    Time (Sydney time):

    What can we help you with? *

    Select one of the options below

    If purchasing, where are you in your journey? *

    Select one of the options below

    • Dollar amount you would like to borrow
    Are you self-employed?

    Select one of the options below

    Privacy

    The information you provide is being collected by AMP Bank Limited ABN 15 081 596 009 (AMP Bank) in order to respond to your enquiry. If you don't provide the information requested, AMP Bank may not be able to respond to your query. Your personal information may be shared with business areas or companies within the AMP Group. We may also provide information to local and overseas entities which provide AMP with administrative, financial, research or other services, other insurers and credit providers, financial planners, brokers and other organisations authorised by AMP to assist in reviewing customer needs. We may also disclose personal information to courts, tribunals and dispute resolution bodies, government agencies, and other bodies we are required to provide information to under the law. A list of countries where these providers are likely to be located can be accessed via the AMP Privacy Policy.

    The AMP Privacy Policy provides more information about how we manage and protect the personal information we hold about individuals. It sets out how you can access and correct the information that AMP holds about you, how you may complain about a breach of privacy and our process for resolving privacy related enquiries and complaints.
     

    Let's get started

    • Apply online
    • Book a chat
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    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.

     

    * Minimum loan size $100,000 for eligible loan applicants who apply to us through Finder and are refinancing from another lender. You must apply through Finder between 24 July 2025 and 30 September 2025 and your loan must settle by 31 December 2025. Only available for our Professional Package, Essential, AMP First and Land Loan products. $2,000 cashback is payable on a per loan settled basis and will only be paid to an AMP Bank savings or transaction or offset account in the name of any of the borrowers. A limit of one $2,000 cashback payment applies to all borrowers, notwithstanding the number of applications submitted and approved. AMP Bank will pay the amount within 90 days from settlement.

    ** 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.

    (i) Rates are subject to change.
    (ii) Comparison rate calculated for a secured loan on a loan amount of $150,000 for a 25-year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.