AMO Home Loans

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AMO is a provider of home loans, as well as home insurance, landlord insurance, mortgage protection insurance, and car insurance.

Loan Options: What AMO home loans offer

Here’s a snapshot of AMO’s variable home loans currently on offer for a purchase value of $600,000 in NSW. Please note that this table is formulated based on paying both principal and interest whilst being sorted by our star rating (highest to lowest). To compare other home loans, please click here.


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The inclusions below represent a selection of the features available with a standard Variable Rate home loan of $350,000 for an owner-occupier. Canstar is not making any suggestion or recommendation to you about this product. Please see our comparison tables for more details information about products on offer from this provider.

Additional conditions may apply to different features. Please ensure that you read the product disclosure statement to determine all the current loan terms and conditions for the product you are considering.

Variable home loan features

  • Switch between variable and fixed rate as needed.
  • Offset facility available.
  • Split facility available.
  • Additional repayments allowed.
  • Repayments may be made weekly, fortnightly, or monthly.

What types of home loans does AMO offer?

At the time of writing, AMO offers the following types of home loans:

  • Variable rate home loan
  • Fixed rate home loan
  • Offset home loan (offset account available on either a variable rate or fixed rate loan)
  • Construction home loan

Find out about how different types of home loans work here.

See our comparison tables for details of AMO home loans:

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AMO Home Loans

Applying for an AMO home loan is a simple process; you can apply online by following the directions on the AMO website, or download a home loan application and fill it out. You can also call AMO on 1300 266 266 (open 24/7) to speak to an AMO consultant and apply over the phone.

Follow our applying for a home loan checklist, and use the Canstar website to compare AMO home loans with other home loans before choosing a product that suits your needs:

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Yes, AMO allows extra repayments on their variable interest home loans. Terms and conditions apply; contact your lender for details.

Yes, AMO offers redraw facilities on their home loans. Fees and charges may apply to use of a redraw facility; contact your lender for details.

AMO lets you make home loan repayments in several ways, including direct debt, withdrawal directly from your salary, using the Loan Service Net (LSN) system over the internet, or over the phone.

If you’re in the market for a home loan, compare your home loan options with Canstar:

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Australian Mortgage Options (AMO) was founded in 1998 with the mission statement, “We’ll show you what the others don’t want you to know.” Since then, they have helped thousands of Australians finance their homes and investment properties.

After years working in the banking industry, founder Robert Projeski knew there were several ways a lender could help borrowers keep more money in their pocket and pay off their mortgage sooner. When his recommendations were declined by his then employer, Mr Projeski left to start AMO on his own.

AMO has won many awards from Canstar over the years.

AMO has a blog with tips for making major financial decisions such as how to obtain the best finance for your mortgage.

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Showing products in Canstar’s database with links to lenders’ websites. The display is sorted by the advertised interest rate (lowest to highest), then provider name (alphabetically).


Source: Canstar. Based on residential variable home loans available for a loan amount of $350,000 at 80% LVR, and available for Principal and Interest repayments. 
*Comparison rate based on loan amount of $150,000. Read the Comparison Rate Warning.

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Written by: TJ Ryan | Last updated: