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.

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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.

***Special $3,000 cashback for new purchase applications with principal and interest repayments with a portion of the loan on a variable interest rate.

Special offer available for applications made between 28 March 2022 and 30 June 2022 (inclusive) which settle on or before 30 September 2022. AMP Bank reserves the right to withdraw this offer at any time.

This offer is open to Australian residents aged 18 and over who are purchasing a new home. Conditions, credit criteria, fees, charges, eligibility criteria and exclusions apply.

This offer is available on Professional Package, AMP First, Essential and Basic Home Loan products only with a minimum loan amount of $250k. Offer is available for owner occupier and residential investment loans with principal and interest repayments. A variable interest rate must also apply to a portion of the loan balance.

Not available for the refinance, restructure, or switches of home loans within AMP Bank or refinancing an existing home loan from another lender.

Limit of one $3,000 cashback payment regardless of the number of applications, applicants, properties or loans involved. The $3,000 cashback cannot be used towards the serviceability of the home loan. The $3,000 cashback is not transferable.

The $3,000 cashback must be paid into an AMP Bank offset account, or AMP Access account, and will be paid within 60 days of the settlement date. If you do not have an existing AMP Bank offset account or AMP Access account, one must be opened before the date of settlement.

For multiple home loan applicants, the AMP Bank account needs to be in the name of at least one of the home loan applicants, and the $3,000 cashback will be paid only once to the applicants jointly.

The Offer is current as at 28 March 2022. This Offer may be varied, withdrawn or extended by AMP Bank at any time without notice. Applicants should seek their own tax advice in relation to the receipt of a cashback on settlement.
Tax consequences may arise from these promotions for investors and customers should seek independent advice on any taxation matters. This information is provided by AMP Bank Limited. Read our Financial Services Guide 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.