Why pre-qualify?

If you're looking to buy your first home, upgrade to your next one, purchase an investment property or refinance, our online pre-qualification process is a good first step.

Find out how much you could borrow

Get an idea of your borrowing power, stamp duty costs, repayments and first home buyer incentives

Simple process with no credit checks

You won’t need to provide any documentation or undergo any credit checks to complete the form

Help when you need it

One of our home loan specialists will be in touch within two business days to guide you through the outcome

Start your home buying journey in 3 easy steps

Get prepared

Gather your info - you’ll need to include in the form how much you want to borrow, how much you might have saved, and details of your income and expenses.

Pre-qualify online

Complete our pre-qualification form to see how much you could borrow and might have to repay. It should take less than 10 minutes to complete.

Have a chat

One of our home loan specialists will call you within two business days to talk through the outcome, next steps and our home loan products.

What is pre-qualification?

The pre-qualification process is the step before pre-approval, and it will help estimate:

  • how much you could borrow
  • your stamp duty costs
  • your monthly repayments
  • any first home buyer incentives you may be eligible for.

Who can pre-qualify?

You can pre-qualify for an AMP Bank home loan if you are:

  • over 18
  • an Australian or New Zealand citizen or permanent resident
  • employed full-time, part-time, as a contractor or casual, or self-employed
  • looking to borrow above $100,000
  • seeking a home loan to purchase or refinance a residential property.

What is involved and what will you need?

Our simple pre-qualification process should take less than 10 minutes to complete.

To help you get started, have a think about and prepare the following:

  • How much you want to borrow and how much of a deposit you have (if you’re purchasing a new property)
  • Details of your income, monthly living expenses, property assets, savings and existing loan details (such as credit cards, personal loans, car loans or existing home loans)
  • The address of the property you're interested in, if you’ve seen one that you like. During the process, we’ll do some simple calculations and verify the address of the property

Once the form is complete, one of our home loan specialists will be in touch within two business days to talk you through the outcome and potential next steps.

Borrowing calculator

Get a quick estimate of how much you may be able to borrow based on the income and expenses entered.

Start now

Our home loans

Whether you want to buy or refinance, there’s an AMP Bank home loan for you.

Find out more

Request call back

Your time is precious. Request a call back from an AMP Bank home loan specialist at a time that suits you.

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What you need to know

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 2 December 2020 and is subject to change without notice. Terms and conditions apply and are available at amp.com.au/bankterms or phone 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) which 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 www.amp.com.au, 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-qualification form is indicative only and does not constitute an offer to lend.