Get fast approval when you refinance online

Our online application allows you to choose between our two most popular home loans.

Essential home loan

Our AMP Essential Home Loan with no ongoing fees

Variable rates from 1
% pa
Comparison rate 3
% pa
This product includes:
  • Apply online for fast approval

  • Unlimited additional repayments and redraw

  • Variable interest rate

  • Principal & interest (P&I) repayments

  • Flexible repayment options (W, F, M)

  • No ongoing fees

This product does not include:
  • Offset account

  • Fixed rate options

  • Interest only repayments

  • Option for a construction loan interest only period

  • Pre-approved lending limit to borrow against equity

Refinance online icon Find out more icon

Offset home loan

Access to variable loan offset accounts with our Professional Package Home Loan

Variable rates from 2
% pa
Comparison rate 3
% pa
This product includes:
  • Apply online for fast approval

  • 100% offset accounts with variable rate loans

  • Variable or fixed rates, or a combination

  • Principal & interest (P&I) or interest only (IO) repayments

  • Flexible repayment options (W, F, M)

  • Unlimited additional repayments and redraw for variable and Line of Credit

  • Additional repayments up to $10K per annum for fixed loans

  • Option for a construction loan interest only period**

  • Pre-approved lending limit to borrow against equity**

  • $349 annual fee

Refinance online icon Find out more icon

Why switch to AMP?

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

Competitive rates

Enjoy savings over the life of your loan with a great rate.

Flexible loan options

Whether you're looking for a low rate, or the features you need to tailor your loan. 

Quick decision

We validate your application in real time and if eligible, you can get unconditional approval within an hour.*

Expert support

Relax knowing you're supported by our local team of home loan specialists.

See how much you could save

To complete our online application, you'll need to be:

18 years or older, and an Australian permanent resident 
Applying as an individual or a married / de facto couple
Earning a PAYG salary, or self-employed and trading for at least 2 years as a Sole Trader, Partnership or Company
Borrowing 80% or less of the property’s value, with a loan between $250,000 and $2 million
Purchasing an established property, or refinancing a home loan that isn't with AMP Bank

Please note: The option for a construction loan or pre-approved lending limit to borrow against equity are not available through our online application process.

Unsure whether you’re eligible? Contact a specialist


How to refinance online in 3 easy steps 

1. Get ready

You will need:

  • Your property details - Address, estimated valuation etc.
  • Your financial details - Bank details, income & expenses.
  • Identification documents - Passport, drivers licence etc. 

2. Apply online in minutes

To enable fast conditional approval, our application will use secure, automated assessment tools to:

  • Assess the value of your property
  • Verify your personal details
  • Verify your income and expenses
  • Check your credit history

We care about your privacy and we don't store or share any unnecessary, or sensitive personal information.

3. Receive fast approval

We aim to provide you with unconditional approval within an hour of receiving your application.* 

You won't be locked in until you accept and digitally sign the loan offer as part of the settlement process.

Have any unanswered questions?

What kind of documents will I need to provide to refinance?

We use digital processes and data to assess our online home loan applications. This includes verifying your identity, and assessing your income, expenses, and liabilities. As part of your home loan application, you will be required to log into your internet banking where we will access your financial transaction data safely and securely.

In most cases, the financial data we obtain via your internet banking is enough. There is no need to provide any documentation (other than proof of identity by taking some photos on your smart phone), making it a quick and easy experience where you can be approved in minutes.

For the few applications where we need more information, the Customer Support team will contact you via email and phone to cover any questions they may have. If needed, they may request some additional documentation.

Is the application safe? How do you ensure my data is protected?

We aim to use data at every opportunity to deliver a better experience for you. To assess your loan application, we need to complete a digital review of your banking and loan data.

The process we use to do this is proven, safe and secure. We take data security and the protection of sensitive information extremely seriously.

We have the following protocols in place:

  • One-time use only: we never see or store your banking username or password;
  • Read-only data: your transaction history and account details are read-only – it’s impossible for us to transfer or transact with any of your accounts;
  • Maximum security: we use 256-bit encryption with all information (the same as big banks); and
  • Secure storage: all data is securely stored, and we only use it in accordance with our Privacy Statement & Policy.

In fact, the information that we digitally assess is similar to what you would supply if you were to manually provide your bank statements to us. We just take the hassle out of the process for you. 

Can I still get a loan with AMP Bank if I am declined via the online application process?

Yes. At this time AMP Bank only has some of its many home loan products available to be applied for online. Please also note that we only accept some customer and property types online.

It is quite plausible and possible that via an AMP Bank Home Loan Specialist or Mortgage Broker, AMP Bank may still be able to assist you with a home loan. Go to and select home loans or call 1300 534 325 8am-8pm Monday to Friday AEST to chat with a Home Loan Specialist.

Support at your fingertips

If you need assistance or have any questions, provide your details and one of our home loan specialists in Australia will get in touch.

Book an appointment →

Request a call back → 

New Home Loan enquiries

Call: 1300 534 325


Mon - Fri 9am - 6pm Sydney time

All other  Home Loan enquiries

Call: 13 30 30


Mon - Fri  8am - 8pm
Sat & Sun 9am - 5pm Sydney time

Ready to take the next step?
We’ve simplified the application process, whether you’re after the convenience of an online, digital experience or the support of a specialist.

What you need to know

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 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 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.

1 Owner Occupied AMP Essential Home Loan variable rate, $750,000 and above, LVR ≤60%, P&I repayments. Other rates apply for Investment property loans. Rate is for new loans only and is subject to change.

2 Owner Occupied Professional Package variable rate loan, $1,000,000 and above, LVR ≤60%, P&I repayments. Other rates apply for investment property loans. Rate is for new loans only and are subject to change.

3 The comparison rate is calculated for a secured loan for an amount of $150,000 over a 25 year term. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

*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. 

** The option for a construction loan or pre-approved lending limit to borrow against equity are not available through our online application process. If you're looking to access these options, speak to one of our Home Loan Specialists today.