Finding out how much you could borrow is an important step when starting your home buying journey. By completing our pre-qualifying home loan process, you’ll see how much you could borrow, plus receive a report about your property, on the house!

Why pre-qualify?

If you're looking to buy your first home, upgrade to your next home, or refinance your existing home loan, our pre-qualifying process is a good first step.

Find out how much you could borrow & repay

Estimate your borrowing power, stamp duty costs, repayments & first home buyer incentives

Simple process with no credit checks

You won’t need to provide any documentation or credit checks upfront

Help when you need it

One of our home loan specialist will be in touch within 48hrs to help guide you through your next stage

A BONUS property report

Get valuable insights about the property you’re interested in with a free property report when you pre-qualify

Start your home buying journey in 3 easy steps

Get prepared

Gather your information - we’ll ask you about what you’re looking for, your income, expenses, loans, assets & savings.

Pre-qualify online

Complete our pre-qualifier to see how much you could borrow & repay. It should take less than 10 minutes to complete.

Have a chat

One of our home loan specialist will call you within two business days to talk through the outcome, our products and help guide you through the next stages.

Pre-qualify for your home loan

Could you borrow the amount you want?

What is pre-qualification?

A good first step in your home buying journey, before applying for pre-approval. Pre-qualifying will help you estimate:

  • How much you could borrow
  • Your stamp duty costs
  • Your monthly repayments
  • First home buyer incentives

Who can pre-qualify?

You can if you are:

  • Over 18, and under 50 years old
  • An Australian or New Zealand Citizen or Permanent Resident
  • Employed Full-time or Part-time
  • Want to borrow between $100k and $1 million
  • Seeking a loan to purchase or refinance a residential property

What is involved & what will you need?

Our simple pre-qualifying process should take less than 10 minutes to complete. To help you get started it is helpful to have a think about and prepare the following:

  • How much you want to borrow and how much deposit you have (if you’re purchasing a new house)
  • Details of your income, monthly living expenses, property assets, savings and existing loan details (both home loans, personal loans and car loans)
  • The address of the property you're interested in (if you have one) - during the process, we’ll be doing some simple calculations and verifying the address of the property

Once the form is complete, no matter the outcome, one of our home loan specialist will be in touch within two business days to talk through what you’re looking for, and help guide you through your next steps.

Borrowing calculator

Play around with the figures to get an idea of what is possible with your funds.

Start now

Professional package

The Professional package gives you the flexibility to tailor your banking to your needs.

Find out more

Request call back

Your time is precious. Speak to or email a home loan specialist when it suits you.

Leave your details

Pre-qualify for your home loan

Could you borrow the amount you want?

A few more tools to help you along the way

Want to talk to someone right now?

You can - just call our AMP Bank Direct Team on 1300 534 325 Monday to Friday excluding public holidays (8am - 8pm), Sydney time and select option two. And don't worry, you can still get your property report, just ask your home loan specialist when you first chat to them.

We're here to help

Monday to Friday excluding public holidays (8am - 8pm) and select option two.

Important information

The credit provider is AMP Bank Limited ABN 15 081 596 009, AFSL and Australian Credit Licence 234517. Approval is subject to AMP Bank guidelines. Information including interest rates is correct as at and is subject to change without notice. Terms and conditions apply and are available at or 13 30 30. Fees and charges are payable.

The information you provide is being collected by AMP Bank Limited ABN 115 081 596 009 (AMP Bank) who can be contacted on 13 30 30. AMP Bank is collecting the information to assess your ability to pre-qualify for an AMP Bank Home or Investment Loan. If you don’t provide the information requested, AMP Bank will not be able to assess whether you pre-qualify.

Your personal information may be shared with other AMP companies and with local and overseas entities which provide AMP with administrative, financial, research or other services. A list of overseas countries where these entities are likely to be located can be found in an appendix to the AMP Privacy Policy at, which also provides information about 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.

The information in the pre-qualifying form is indicative only and does not constitute an offer to lend.