Buying a new home is exciting. There’s nothing quite like picturing yourself in a new space, and decorating it just the way you want, without the scrutiny of parents or landlords. Home ownership has been the great Australian dream for a long time, and the allure of our own space still holds a great attraction. For many of us, it’s the biggest financial commitment we make. So, it’s important to know what we’re in for, and to find the home loan that’s right for us.

Here you can discover the basics of getting a home loan, and get to grips with the jargon. We explain how different home loans work and what to look out for. Learn the difference between fixed and variable interest, and understand fees and charges you might come across. If you’re a first-time buyer there are tips to consider such as what you can really spend, taking account of stamp duty and whether you’re eligible for financial assistance. Take your time to explore this section, there’s no rush. Like finding the right property to buy, it can take time to find the home loan that suits you just now.

Important information

Any advice and information is provided by AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121 (AWM Services) and is general in nature. It hasn’t taken your financial or personal circumstances into account. Taxation issues are complex. You should seek professional advice before deciding to act on any information.Taxation issues are complex. You should seek professional advice before deciding to act on any information.

It’s important to consider your particular circumstances and read the relevant product disclosure statement, or terms and conditions, available from AMP at, or by calling 131 267, before deciding what’s right for you.

You can read our Financial Services Guide online 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. You can also ask us for a hardcopy. All information on this website is subject to change without notice. AWM Services is part of the AMP group.